We were lucky to catch up with Irvin Pena recently and have shared our conversation below.

Alright, Irvin thanks for taking the time to share your stories and insights with us today. Alright, so you had your idea and then what happened? Can you walk us through the story of how you went from just an idea to executing on the idea

I’m often asked why I decided to help people with credit, funding, business strategies & why I’m so passionate about financial literacy. My answer… I know what it’s like to have bad credit, struggle in business & have a lack of money. I decided enough was enough. So I started researching how to clean personal credit, build business credit & implement methods to fund my business ideas which would result in producing a higher income. I started to post on social media frameworks & helpful steps that worked for me personally. I didn’t expect to get a ton of shares or engagement since I figured it would only serve a couple of people looking for that type of content. To my surprise I started getting a ton of shares, hundreds of thousands of follows from people looking to better their financial state & hundreds of messages every day of people asking me to coach them personally.

Since then, I’ve:

Helped thousands better understand credit & improve their finances
Featured in publishings & worked with notable companies worth mentioning: T-Mobile, Complex Magazine, Orlando Voyager, South Florida Business Journal, Fox Soul Credit Expert Panelist
Founder of The Insight Inner Circle an education & business consulting company
Apart from hosting the five-star rated podcast The Insight With Irv Show, we have one of the fastest growing social media platforms in the Business, Financial & Entrepreneurship space with over 1,000,000 followers & subscribers collectively
Now I help aspiring entrepreneurs & small business owners build business credit, get access to funding, attract more clients through social media & put systems in place so that they can make more money faster.

Irvin, before we move on to more of these sorts of questions, can you take some time to bring our readers up to speed on you and what you do?

My program The Insight Inner Circle & free content has helped thousands of people whether an existing business owner or start-up build out their personal credit, leverage business credit and optimize strong relationships with strategic lenders to receive maximum funding to start or scale a business. As an entrepreneur who struggled to get his idea off of the ground and turn it into a profitable business & after speaking to countless business owners the number one thing that holds a business back is not the lack of ideas, work ethic or bad products. The number one thing that holds small business owners & entrepreneurs back is their ability to access funding to continue growing.

I believe the more you can borrow, the more you can make. This is how big companies grow so quickly. They continue to feed a cash producing machine. Most business owners however are at the mercy of their savings account or can only move at the pace of their last paid invoice or closed deal.

Here are 3 tips of why every business owner should work on building business credit:

1. You can get approved for multiple credit cards on the same day. Whether you have one business or multiple businesses that you are getting funding for. This approach gives people the ability to get approved for $100k+ in a single day when done correctly.

2. You can get higher limits with a business credit card than a personal credit card. The reason for that is because banks view the funding businesses will get as a different kind of debt. Banks understand businesses will use those funds to sell more products, create more jobs, market to gain more client, etc. This is why a business can expect to get 5-10x the amount of business credit they would that of their average personal credit amount.

3.. Here is one of my favorite reasons to have business credit established. Business credit isn’t reported to your personal credit. This means instead of using let’s say $35k toward business expenses on a personal card which would hurt your personal FICO score because of credit utilization. Leveraging the $35k on your business credit card or lie of credit will not only help build your your business credit profile up but it will also allow you to maximize the reward points banks usually give business owners.

What do you think helped you build your reputation within your market?

I think one of the biggest reasons our platform & Insight Inner Circle business credit coaching program has grown so fast is because of one thing: consistency. I am constantly producing content for my social media audience of well over 1 million plus across YouTube, Instagram & TikTok. My team & I also work closely to ensure our clients get the most out of the coaching program by guiding them through their specific road blocks & giving a custom solution to obtaining business credit.

What’s been the most effective strategy for growing your clientele?

Our clients literally find us! That has by far been one of the things I am most proud of with my education company the Insight Inner Circle. We spend $0 in ads to acquire new customers into the program. Now that’s not to say that we won’t eventually use paid ads to scale but 100% of our existing clients are either referred to us by a friend in the program, saw one of my videos or reels on social media or was even referred by someone our network across a different industry.

Contact Info:

• Website: InsightInnerCircle.com
• Instagram: https://www.instagram.com/irv.official/?hl=en
• Facebook: https://www.facebook.com/irvofficial1
• Youtube: Irv Official – YouTube https://www.youtube.com › IrvOfficial
• Other: https://www.tiktok.com/@irv.official