Michael miller the x banker california Has anyone ...

I Did XBanker's 6 month program about a year ago for my Steakhouse.  I had a bad divorce a few years ago that gutted my personal credit.  I had been operating for a few years as a corporation but I never knew anything about business credit.  I had been dealing with severe cash flow problems and was paying very high private party interest on weekly $15,000 loans to buy steak every thursday before the weekend...my largest expense.  They got me approved for financing so I only put about 600 down and then made monthly payments.  XBanker helped me get set up properly and in the beginning it was more work than I expected but my coach told me we would soon be in the credit phase and then it gets easy.  He was telling the truth and looking back it wasn't that much work even though I wasn't set up properly at all starting out.  There were some small expenses for things like company email and a bureau package.  I got basic credit that I used until I got business credit scores.  This wasn't very exciting and I had to find ways to use the credit but my coach told me after I had my scores that was when all the really usefull accounts would come.  This was also correct and the next batch of credit I got included Cysco which would never give me terms in the past because of my persoanl credit.  They gave me 6 day terms on perishables (including meat) and 30 day terms on non perishables.  This changed my entire life and I could finally buy all the steak I needed on Thursday, sell steak all weekend and pay the bill on Tuesday stress free.  I eventually got gas, computer, hardware, restaurant equipment, office supplies and accounting services.  I was busy and still stressed when I started so I dragged my feet a little but wish I had moved a little faster because I didn't get credit cards until after my program expired but they still let me continue to have access to my private online "roadmap" I called it which allowed me to finish the program on my own and they would still answer a question every once in a while.  I even got one of my Visas raised from $10k to 14K recently and I'm thinking about opening another restaurant.  If your situation is like mine regardless of the type of business you are, if you can afford it and are willing to do some work and can wait a little while for the financing it is well worth it.  It looked like if you had better personal credit they could do alot more for you but this was my experience with a very low FICO.

You can talk to them for free about your situation. Here is there website: www.thexbanker.com Good Luck