80% of Businesses Fail Within 5 Years: How This Ex-Marine Shields Entrepreneurs Through Business Credit Mastery
YouTube Video Description
Thriving Through the Business Credit Maze | William Graham Interview
In this eye-opening episode of the Thriving Through Podcast, host AJ Riedel sits down with William Graham, a business credit and lending expert who's on a mission to help entrepreneurs beat the staggering business failure statistics.
Drawing from his 20-year Marine Corps background and corporate experience, William shares how he helps business owners establish proper credit structures using their EIN instead of relying on personal credit. Learn why separating personal and business finances is critical not just for funding but for legal protection as well.
William reveals:
• The alarming SBA statistic that 80% of businesses fail within 5 years
• What banks really look at when evaluating your business credit profile
• How "piercing the veil" can put your personal assets at risk
• Practical strategies for time management
• His data-driven approach to marketing and lead generation
Whether you're a new entrepreneur or looking to strengthen your existing business foundation, this conversation provides actionable insights on building a business that can stand on its own and thrive for the long term.
Show Notes
In this episode of the Thriving Through Podcast, AJ Riedel interviews William Graham, a business credit and lending expert who helps entrepreneurs establish business credit on their EIN rather than their SSN.
Episode Highlights:
- William's Background: After 20 years in the Marine Corps and corporate experience, William started his business credit consulting firm in September 2023.
- The Failure Statistics: Nearly 80% of businesses fail within 5 years, with most failing in the first year. William's mission is to help business owners avoid becoming part of these statistics.
- Business Credit Importance: There are 125 points in a business credit profile that banks evaluate. Without proper business credit, owners are forced to provide personal guarantees, putting personal assets at risk.
- Legal Protection: William explains "piercing the veil" - how commingling business and personal finances can expose personal assets in legal disputes.
- Time Management: As a solopreneur wearing multiple hats, William uses time blocking to structure his day efficiently.
- Marketing Evolution: From using virtual assistants for lead generation to transitioning to paid advertising on platforms like TikTok and Instagram, William takes a data-driven approach to testing strategies over 3-month periods.
- Target Clients: On the business credit side, William focuses on businesses under 5 years old with less than $1M in sales and fewer than 20 employees. His lending services primarily target real estate investors.
- Future Challenges: William identifies finding and hiring the right people as his biggest upcoming challenge, with the goal of building a team that allows him to work "on" rather than "in" the business.
Connect with William Graham:
LinkedIn: https://www.linkedin.com/in/grahamwilliamc/
goodcreditrocks.com (Company)
linktr.ee/ProCreditSolvers (Portfolio)

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