In this insightful episode of the Jay Hill Podcast, Darius Benders (@DariusBenders) shares how he turned credit into a powerful tool for building wealth and scaling multi-million-dollar businesses. He discusses innovative methods like credit stacking, relationship banking, and strategic funding, revealing how these strategies can unlock millions for both personal and business growth.
Darius runs a funding company that helps individuals secure business funding, specifically 0% interest credit cards and lines of credit. He charges a 10% fee after clients receive their funding, with no upfront costs. Over the past two years, Darius has helped fund $24 million, collaborating directly with bank relationship managers to secure higher approval amounts for clients.
To qualify for business funding, applicants need decent personal credit (a score of 680 or higher) and a well-structured business. Essential requirements include:
- An LLC (Limited Liability Company)
- A legitimate business address (no UPS or FedEx locations)
- A dedicated business phone number
- A professional email (not Gmail or Yahoo)
- A generic business name (avoid terms tied to high-risk industries)
- Operating in a low-risk industry (e.g., consulting, marketing, or education)
Darius explains how individuals can repair damaged credit using AI-powered software ($47-97/month). He recommends building a robust credit profile with at least 10 primary accounts and using credit builder products like pledge loans. Additionally, strategic removal of credit inquiries and stacking multiple credit cards across different bureaus are key tactics for improving credit.
Darius advises entrepreneurs to invest in coaching before spending their funding and to avoid overleveraging personal credit—stressing a maximum of 20% for business expenses. He also emphasizes the importance of building an efficient team and scalable systems (e.g., virtual assistants, operations managers). Furthermore, personal development should go hand-in-hand with business growth.
Darius offers a 3-day boot camp where participants learn funding strategies, credit building, live funding examples, and business growth techniques. The boot camp costs $132 for VIP access and $32 for general admission. He also provides done-for-you services for those who want comprehensive support.
Darius underscores that while the funding process is not guaranteed, the potential upside is worth the effort for those serious about growing their businesses.
In addition to discussing business growth, Darius offers a comprehensive 3-day boot camp. The program combines mindset training in the mornings and business tactics in the evenings. It includes strategies for alternative lending, even for those with bad credit, and comes with a money-back guarantee for dissatisfied participants. The camp is priced at $135 for an introductory rate (limited to the first 100 attendees).
The discussion also touches on how to monetize podcasts through multiple revenue streams, including:
- Selling e-books ($27)
- Charging guests to appear on the podcast
- Selling merchandise
- Offering mentorship programs
- Creating mastermind groups
Key Business Advice:
- Pricing is crucial—don’t undervalue your services.
- Start with lower-priced offerings ($27) to build trust with customers before offering premium services.
- Hiring an operations manager is essential for creatives looking to scale.
- Structure a 90-day mentorship program to help guide clients effectively.
- Recognize your value and charge accordingly.
Darius closes by promoting his upcoming boot camp from December 11-13 and offers special discounts for listeners who message him with “Jay Hill.”
