BANK LOAN Denied? Here’s How to Get FUNDING Instead | Ep 150

<p>Meet William Stern — a founder who sold a townhome at 22, took the proceeds, and built Cardiff into America's largest privately held small business lender — co-owned and operated by four childhood friends for 22 years. Cardiff has deployed over $12 billion in capital to Main Street businesses across the country, was voted America's favorite small business lender two years in a row, and is now using AI to give any small business owner instant access to funding that banks have always denied them.</p><p><br /></p><p>Four childhood friends. 22 years. $12 billion deployed. And they're just getting started.</p><p><br /></p><p>He breaks down:</p><p>1. Why four co-founders with egos can actually work — if you get this one thing right</p><p>2. Why he would never take money or advice from someone he wouldn't put on his board</p><p>3. How Cardiff is using AI to democratize small business lending before banks even wake up</p><p>4. Why time is the only currency that matters — and how success finally taught him that</p><p>5.The real reason most businesses rot from the inside — and the book that changed everything</p><p><br /></p><p>Follow Will:</p><p>🌐 cardiff.co</p><p>🌐 williamstern.me</p><p>🔗 LinkedIn: linkedin.com/in/williamstern</p><p><br /></p><p>Timecodes:</p><p>00:00 Intro</p><p>01:00 Cardiff — America's Favorite Small Business Lender</p><p>02:45 Four Childhood Friends, One Company, 22 Years</p><p>05:00 The Entourage Model of Business</p><p>07:00 How to Eliminate Ego in a Partnership</p><p>10:00 Why Cardiff Hired a Business Coach — and What Changed</p><p>14:00 The Trillion Dollar Coach Story — Apple vs Google</p><p>18:00 Cardiff's Mission — Democratizing Capital for Main Street</p><p>21:00 Why Will Never Takes Money From People He Wouldn't Put on His Board</p><p>24:00 $2.5 Billion Last Year — Where Cardiff Is Headed</p><p>26:00 Why AI Is Changing Business Lending Before Banks React</p><p>29:00 The Don Quixote Lesson Every Entrepreneur Needs to Hear</p><p>32:00 Leadership &amp; Self-Deception — The Book That Changed His Business</p><p>36:00 From Chasing Materialism to Buying Back Time</p><p>40:00 Why Time Is the Most Valuable Currency You Have</p><p>44:00 The Stakeholder Philosophy That Powers Cardiff</p><p>48:00 What Being 1% Means to Will</p><p>52:00 How to Get Funded Through Cardiff</p><p>01:04:00 How to Connect With Will</p><p><br /></p><p>STAY CONNECTED:</p><p>https://www.instagram.com/the1percent_podcast/</p><p>https://www.facebook.com/the1percentpodcast/</p><p>http://tiktok.com/@the1percent_podcastPodcast</p><p><br /></p><p>WANT TO CONNECT TO OUR HOST?</p><p><br /></p><p>Vin:</p><p>Email: Vincentinfante.life</p><p>Instagram: https://www.instagram.com/vin.infante/</p><p><br /></p><p>Shane:</p><p>Email: Shane@thevagroup.com</p><p><br /></p><p>LISTEN ON OTHER SITES</p><p>Spotify: https://bit.ly/3HtT10C</p><p>Apple Podcast: https://bit.ly/3HtT10C</p>