The Flywheel Effect
In this episode of The Flywheel Effect, Brent Sonnek-Schmelz and Matt Bernath sit down with Gerri Detweiler, Business Credit & Financing Expert at NAV.com. They explore how business credit works, why many owners operate blind, and how smart leverage can fund growth without creating chaos. Gerri breaks down what shows up on a business credit report: payment history, public records, and UCC liens that often linger after debts get paid. She explains why scores can vary across Dun & Bradstreet, Experian, and Equifax, and why credit checks go beyond loans, including big commercial bids and client vetting. The takeaway: secure credit before you need it, use lines of credit and cards for cash flow, and stay disciplined. Gerri shares simple first steps to build business credit, plus warnings on debit-card fraud, business identity theft, and financing offers that hide true cost. Translate every deal into APR before you sign today.
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