Business

Common Goals That Leveraging Credit Can Help You Reach

Published

5 years ago

July 24, 2020

We often think of our credit scores as just something we’ll need down the line — when applying for a loan or renting an apartment. However, leveraging credit (which can only be done with an ideal credit score) may be the answer to achieving some of our biggest life goals.

Many don’t often think of credit as a way to fulfill these goals, and instead believe they must first make the money required to achieve them. But, in the spirit of Robert Kiyosaki’s Rich Dad Poor Dad, one of the smartest ways to build wealth is to use “other people’s money.” This includes credit.

Not only is leveraging credit fairly straightforward, but it’s simply the smart thing to do – and it comes with its many perks, which can help you achieve other life goals. Just ask Colin Yurcisin, who’s been named the “Credit King.” He teaches students of all ages and backgrounds how to leverage credit to meet these goals and desires: many of which he’s been able to achieve in his own life with credit. His course, Credit Class, gets into all of the details on how to make credit work for you.

Here are the most common goals that leveraging credit can help you reach.

Starting a business.

There’s no way around it – starting a business typically takes some upfront capital. Even if you’re “bootstrapping,” there are websites, domain names, initial contractors – and these costs can feel significantly discouraging for first time founders. However, Yurcisin believes in the power of business credit.

“Business credit is truly a wonderful thing, especially because of the higher credit limits,” said Yurcisin. “Business cards typically give three times your highest personal credit limit – so if your personal credit score allows you to spend up to $5,000, a business card would allow you to spend $15,000 upfront,” he noted.

It isn’t just access to the capital, but what the capital can do for you in the long run. “There are many business cards that offer incredible deals upfront, so you can access capital and then get money back, or points to apply towards free travel.”

One of the cards that Yurcisin recommends in his Credit Class is the Business Ink Unlimited from Chase: it offers $500 cashback if you spend $3,000 in the first three months, 1.5% cash back on ALL purchases, and most pertinently: 0% interest for twelve months. This means you don’t have to pay back your initial investment for twelve months, which is plenty of lead time to make that money back. Yurcisin shared that with the Chase Business Ink Unlimited and Business Ink Cash you get 0% for 12 months and will just have to make small minimum monthly payments.

Buying other businesses or investments.

Credit is also commonly used to buy businesses or other forms of investments, such as real estate. Rather than applying for a business or personal loan from the bank, consider using credit, since you can get up to 1.5% cash back. Here’s one way to think about it: if you buy an Amazon e-commerce business for $10,000, you get $150 back. If you’re going to spend the money anyway on buying up businesses or other investments, you might as well get cash back.

Again, a twelve to fifteen month lead time to make the money back from that investment on these credit cards is ideal, as loans from a bank typically have high interest rates and payments start immediately upon accepting the money.

Traveling the world.

Finally, many entrepreneurs prefer to be digital nomads and travel the world constantly – or, at the very least, have a great vacation from time to time. This is also something Yurcisin lives by and helps with. “By leveraging credit, you can upgrade to a hotel’s most premium and lavish suite for pennies on the dollar of what someone else is paying for it,” he explained. In fact, many credit cards – such as the Chase Sapphire – make traveling in luxury easier than ever.

“Here’s an example: You can transfer your points from your Chase Business Ink Unlimited card to your Chase Sapphire Reserve for 1.5x more redemption points, so what you spend in your business can secure points that you can spend on travel,” he explained. And, that’s not even scratching the surface on what some credit card rewards can offer you: luxury lounge access at airports, such as the Centurion Lounge through American Express Platinum, free upgrades to first class, free checked bags, and more.

The beauty of leveraging credit is that you don’t need to choose just one of these three goals – they’re all accessible and possible through credit. Yurcisin’s Credit Class teaches the ins and outs of all available credit cards, how to repair or raise your credit score, and which order to get which credit card to maximize your line of credit and the rewards that you can access.

Business

Scaling Strategies for Bootstrapped Founders: Why Smart Startup Entrepreneurs are Ditching Traditional Agencies for Leaner Growth Machines

Published

2 days ago

September 4, 2025

Matthew Wiles

Today’s startups need to scale at top speed. Conventional methods for achieving business growth and revenue early are under fire. That’s why more and more savvy founders are abandoning the traditional marketing agency business model. They realize that the rules of the game have changed.

Leading this shift is Pablo Gerboles Parrilla, founder of Pabs Marketing. He’s a techpreneur and CEO whose unique perspective marries technological insight and marketing expertise.

For today’s founders, Gerboles believes the message is clear: cash flow and profitability don’t depend on VC funding. It’s time to ditch old-school agencies and turn to leaner, more flexible growth machines.

The age of scaling a bootstrapped startup: Why founders choose to scale without external funding or venture capital

“Startups are nothing like the established corporations traditional agencies are built to serve,” Gerboles says. “They need to be nimble and conserve their resources. The last things they need are bloated services with hidden fees and lengthy contracts. They need results, and they needed them yesterday.”

Traditional agencies position themselves as one-stop shops for marketing and growth, offering extensive teams and shiny presentations, but their campaigns come with a hefty price tag. Those structures work well for Fortune 500 companies needing big-budget omnichannel campaigns. For startups? They often translate to high retainers and little flexibility.

“If you’re a startup founder, wasting time and resources on presentations that don’t lead to actionable growth isn’t an option,” Gerboles explains. “You have to be data-driven and relentless in finding what works. Traditional agencies are just too slow and cumbersome to deliver.”

Successful bootstrapping can lead to sustainable growth: Lean growth machines for lean operations

Gerboles spent the last six years helping founders to scale their businesses quickly and sustainably. His background in technology and marketing enables these founders to break free from outdated agency models in favor of smarter alternatives. He combines lean growth machines built on systems and sophisticated AI-powered tools with the power of micro-agencies and niche contractors.

“Agility is everything,” Gerboles shares. “The best founders today aren’t looking for creativity for its own sake. They want to see scalable solutions.”

The foundation of Gerboles’s philosophy lies in automating human-driven processes through software. Whether automating lead generation and funnel tracking, optimizing campaigns for performance with AI, or streamlining day-to-day operational tasks, smart automation reduces costs and enables companies to scale faster.

Take marketing strategy, for example. Instead of handing over control to a traditional large-scale agency, modern founders can engage niche micro-agencies with expertise in specific domains like paid media, SEO, or influencer campaigns. These smaller, hyper-focused teams are far more nimble, deliver measurable ROI, and cost a fraction of the price.

“When you combine these micro-agencies with contractors and automation, you’ve bypassed a lot of unnecessary overhead,” Gerboles explains.

The importance of accountability, transparency, and results in scaling strategies for bootstrapped founders

For Gerboles, one major shortfall of traditional agencies is the lack of true accountability. “You don’t want vague creative promises or KPIs that could mean anything,” he says. “You want sharp goals and clear deliverables. Most of all, you want systems that let you track performance in real time. Nothing builds trust and drives results faster than data-driven accountability.”

The shift away from agencies is primarily driven by concerns over transparency and reliability. By leveraging smaller, specialized teams or AI-powered tools, startups can maintain a tighter grasp on their marketing and growth. When they find what works, they can iterate quickly based on live campaign data.

“Smart founders don’t have time to wait weeks for an update,” Gerboles quips. “When you build lean growth machines, you’re always connected to your performance metrics. You can pivot instantly. This model rewards consistency and strategic risk-taking.”

When Gerboles designs systems for startups, he emphasizes performance certainty. He eliminates guesswork and sticks to systems that work. It’s a philosophy that resonates with modern entrepreneurs who value clarity and efficiency above all else.

Scaling strategies for bootstrapped founders who don’t consider external funding: a blend of technology and micro-agencies

The evolution Gerboles champions is already well underway. The rise of AI, no-code platforms, and automation tools means startups can do more with less — and faster — than ever. Solutions like automated campaign optimization, predictive analytics, and content creation tools enable startups to scale their output without hiring a large team or committing to an agency’s payroll.

Meanwhile, on-demand contractors and micro-agencies provide laser-focused expertise on an as-needed basis. Whether it’s bringing in a TikTok ads expert for a short-term boost, hiring a conversion copywriter for a product launch, or testing AI-powered chatbots for lead management, lean growth machines are redefining the agility game.

“An expert contractor or a micro-agency specializing in your exact need will always be faster and better than the ‘generalist’ vibes you get from old-school agencies,” Gerboles notes. “Specialization and precision are the name of the game now.”

Founders who want to lead in the new era of business are increasingly following the path Pablo Gerboles lays out. They are choosing smarter systems, investing in the right tech stack, prioritizing accountability, and embracing speed at every level.

“Business isn’t a time to play safe,” Pablo says. “It’s about innovation and pushing edges within a clear strategy. Surround yourself with agile partners, hold processes to results, and find the tools that help you stay lean. That’s how you win in today’s game.”

Gerboles is a thoughtful entrepreneur committed to helping business leaders reinvent their approach to growth. From ideation to execution, his advice rings true: leave the bloated bureaucracy of yesterday’s agencies behind and build lean growth machines fueled by agility and results.