Revenue that covers costs beats any term sheet. That’s the thread running through our conversation with Levi King, founder of Lendio and Nav, who lays out a practical, no-BS roadmap to funding a small business without giving up control. We talk about why customer cash is the best capital, how vendor and captive credit can power growth, and when to say yes to debt because the project math actually works.

We dig into the mechanics most owners never hear from their banker: how personal guarantees really factor into approvals, the difference between trade credit and true loans, and why negotiating liens and UCC filings matter. Levi breaks down the data lenders use, personal credit, business credit across Dun & Bradstreet and Equifax (PayNet), and real cash flow, and shows how visibility into those scores helps you move from subprime options to bank and SBA-ready financing. We cover overlooked tools like stacking 0% intro APR business cards, processor-based working capital from PayPal or Square, and modern factoring options, with a simple test for each: does it pencil out?

You’ll also hear how geography and timing shape your capital path, why local banks and credit unions still value character and community, and how to avoid the misery of friends-and-family money. Levi shares hard lessons from building five small businesses and two fintech platforms, including how Nav turns live data into smarter recommendations and transparency on the FICO SBSS score used in SBA underwriting.

Looking to strengthen your capital stack, protect your personal guarantees, and get cheaper money over time? Start by tightening cash flow, building vendor credit, and tracking the data lenders trust. 

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