The truth about “business credit” no one’s telling you
by Amy Greene
It truly fills my heart with joy to see you flourishing with your finances, building wealth, being free with money, and creating a legacy your family will talk about for generations.
So I’m here to tell you something that might get me a lot of hate.
And I’m okay with that.
Because you need to hear the truth:
The “business credit” advice is a trap.
You know, the men in suits (and the SBA) that tell you to get “easy” business “funding” to grow your business…
Or that tell you that your business can build it’s own credit score, leaving you with no liability?
You’re being sold a lie.
Here’s the reality no one wants to talk about:
Almost every loan still requires a personal guarantee
Your LLC or S-Corp? Useless once your signature hits the dotted line
If your business fails, YOU still owe
And 60% of your so-called “business credit score”? Tied to your personal credit
Unless you’re applying for a commercial real estate loan over $2M or doing invoice factoring, you’re not building business credit.
You’re just borrowing under your name—with extra steps.
I’ve seen too many entrepreneurs:
→ Still paying off loans on businesses that closed years ago
→ Risking their homes and assets chasing the promise of funding
→ Caught in cash flow chaos that keeps them stuck—not scaling
There’s a better way.
One that doesn’t ask you to risk everything you’ve worked for.
One that builds real wealth—with your own cash, your own timing, your own terms.
It’s the way I teach inside the SAIL to Wealth Method:
Income Smoothing Systems – So you can pay yourself a consistent paycheck
Profit Allocation Plans – So every dollar has a job before it hits your account
Strategic Credit Use – That supports your growth instead of sabotaging it
Wealth Acceleration Strategies – That help you multiply success instead of cleaning up messes
No debt traps.
No personal guarantees.
No “funding hacks” that lead to financial ruin.
Just clarity, consistency, and cash-based decisions that actually build wealth—and protect your peace while you grow.
If you’re already tangled up with debt, I’ve got you. There’s no judgementor shame. Only my support and guidance to help you clean it up.
Because no matter where you’re starting, I believe you can become genuinely good with money.
And I’d love to show you how.
Click below to book a Financial Navigation Call—my free, no-pressure consultation to see if this approach is exactly what you’ve been looking for.
It’s time to create the future you desire and deserve. Without the gimmicks or the risk.
XOXO,
Amy
Founder, SAIL to Wealth Method
Turn Irregular Income Into Debt-Free, Lasting Wealth
