J. Galt Finance Suite
Every business owner should be free to run their business without directly risking their home or life savings, but most don't.
I help business owners build business credit without reliance on personal guarantees or personal credit support so they can protect personal assets and run their business smarter by improving cash flow.
A personal guaranty means that the owner has to repay business debts with personal assets if the business cannot.
The personal guaranty negates one of the main advantages of corporations: limited liability. The genius of a corporation is that it limits the liability of an owner to his or her investment in the company. After all, the development of the corporation was an advance that led to fantastic growth and innovation over the past several hundred years by enabling people to pool resources and limit their risk to cash invested in an enterprise and so attempt ventures they otherwise would not have – sometimes successfully, sometimes not.
We help small bu