The Business Credit and Financing Show

Ty Crandall

In The Business Credit and Financing Show we tackle all types or topics relating to how you can get business credit and financing to start and grow your business. We also discuss marketing and growth strategies with top influencers and industry experts, to help you start and grow a profitable business.

  1. 1d ago

    Tina Capobianco: How To Build A Financially Stronger Business Through Better Cash Flow

    Based at J D Factors' Canadian head office in Mississauga, Ontario, Tina also oversees branch operations in Montreal, Calgary, and Halifax. Throughout her career, she has developed extensive expertise in commercial finance, factoring, portfolio management, and operational leadership. In addition to her executive responsibilities, Tina has served on the  Advisory Board of the International Factoring Association, contributing her industry knowledge and leadership to the advancement of the commercial finance sector. She is also a graduate of the University of Toronto. With her deep experience in commercial lending, operations, and leadership, Tina brings valuable insights on business finance, factoring, risk management, and supporting the growth of businesses across Canada. Tina Capobianco is the Senior Vice President of Operations at JD Factors LLC, where she oversees the company's Canadian operations and portfolio, with its head office in Mississauga, Ontario, and offices in Montreal, Halifax, and Calgary. She has been in the factoring industry since 1992, beginning her career as an Account Executive and gaining extensive experience across operations, credit, underwriting, and business development. Tina currently serves on the SFNet Executive Committee as Education Chair and is a member of the SFNet Canadian Chapter. She also helped launch the first IFA Chapter in Canada, serves on its board of directors, and is an Advisory Board member for the IFA in the U.S. She holds an Honours Bachelor of Commerce from the University of Toronto and has earned the Certified Account Executive in Factoring (CAEF) designation. During the show we discuss: Why revenue does not always mean positive cash flow How to understand your business's cash-flow cycle Why cash-flow planning should start early How to identify cash-flow gaps before they become emergencies Why businesses should seek financing before they desperately need it How factoring can provide immediate working capital Why growth can create cash-flow problems How to determine whether factoring is right for your business Link: https://www.sfnet.com/detail-pages/speaker-title/tina-capobianco-bio Linkedin: https://www.linkedin.com/in/tina-capobianco-55b8a39/

  2. Aug 28

    Rob Misheloff: How to Evaluate Equipment Financing Offers and Avoid Costly Funding Traps

    Rob is the Vice President and Founder of Smarter Finance USA, an equipment financing firm dedicated to helping small and mid-sized businesses secure the capital they need to purchase equipment and grow. With more than 20 years of experience in financial analysis, business valuation, and financial services, Rob founded the company to bring greater transparency and straightforward guidance to the equipment financing industry. Rob combines a strong financial background—with a Bachelor's degree in Economics from the University of California, Irvine, an MBA in Finance from Pepperdine University, and completion of CFA Level II—with practical, real-world lending expertise. He is also the host of The Smarter Business Finance Podcast and has been featured by industry publications and podcasts including Manufacturing.net, FreightWaves, Business.com, Overdrive, and The Lead Pedal Podcast, where he shares insights on equipment financing, trucking finance, and common funding mistakes made by business owners. Rob's perspective would be especially valuable for conversations around equipment financing, commercial lending, trucking finance, business growth strategies, and how entrepreneurs can avoid common financing pitfalls while accessing capital. During the show we discuss: Why equipment should generate enough cash flow to justify its cost How to evaluate the ROI of an equipment purchase How to determine whether renting or financing equipment makes more sense How to identify when equipment financing is likely to improve cash flow How to avoid overextending the business with debt How to spot predatory short-term financing How to recognize a potential deposit scam How to identify an FMV lease You can explore more about Rob here: Website: https://www.smarterfinanceusa.com/ LinkedIn: https://www.linkedin.com/in/rob-misheloff/

  3. Aug 27

    Tom Nagar: Is Your Business Structure Helping You Grow or Holding You Back?

    What if the way you've structured your business to save taxes or protect your assets today is actually making it harder to get funded, grow, or build wealth tomorrow?  As business owners we may find ourselves thinking about about entity structure, taxes, business credit, funding, and asset protection as separate decisions. The reality is that these pieces are deeply connected—and the decisions we make early on can either create opportunities for us later or limit them.  Today we're going to talk about how to build a business structure that not only protects what we're building, but also supports growth, improves our ability to access capital, and helps turn our business success into lasting wealth.  Joining us is Tom Nagar, founder of U.S. Corporate Solutions. With more than two decades of experience helping entrepreneurs structure, grow, and protect their businesses, Tom has guided business owners and investors across the country through the complexities of entity structure, business credit, tax strategy, and asset protection.  During the show we discuss: Why your business structure matters before you start generating revenue. How to choose the right entity structure for your goals. Why an LLC and an S-corp or C-corp are not separate entity types. How LLCs can be taxed in different ways. How to evaluate whether your current entity is structured correctly. Why your business goals should influence your tax election. How to think about asset protection and privacy when choosing a state. Why business structure should be reviewed as your circumstances change. Resources: https://uscorpsolutions.com/

  4. Aug 25

    Eric Olsen: Alternative Financing Strategies for Business Owners

    Eric is a business finance professional with Solutions Financial Services, where he helps business owners secure customized funding solutions to support growth, acquisitions, equipment purchases, and working capital needs. Through his work, Eric partners with entrepreneurs across a wide range of industries, helping them navigate the lending landscape and access the capital necessary to achieve their goals. With extensive experience in commercial finance and business lending,  Eric brings a practical, solutions-oriented approach to helping companies overcome funding challenges. His expertise includes alternative lending, equipment financing, SBA financing, and structuring capital solutions that align with each client's unique business objectives. Eric's perspective would be especially valuable for conversations around business financing strategies, access to capital, alternative lending, and how entrepreneurs can better position themselves for funding in today's market. During the show we discuss: Why getting approved isn't the same as getting the right financing How to build a capital strategy around your business When an unsecured line of credit can make sense How to recognize problematic MCA financing Why stacking MCAs can become a financing trap How banks differ from private lenders Why the best time to establish financing relationships is when business is stable How rapid growth can affect bankability You can explore more about Eric here: Website: https://sfslenders.com/ LinkedIn: https://www.linkedin.com/in/sfslenders/

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About

In The Business Credit and Financing Show we tackle all types or topics relating to how you can get business credit and financing to start and grow your business. We also discuss marketing and growth strategies with top influencers and industry experts, to help you start and grow a profitable business.

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