Most people are trying to make money the hard way. In this episode of Digital Social Hour, Sean sits down with Derrick to break down the world of business funding, corporate credit, C-Corps, banking, tax strategy, trade lines, shelf corporations, and how wealthy people think about capital differently. Derrick explains why he believes most entrepreneurs are building the wrong structure from day one, why the bank and IRS can become your “best friends” when you understand the game, and why a corporation should be treated like a real person with its own address, phone number, credit profile, officers, assets, and data points. They also get into business credit bureaus, Paydex scores, Experian business credit, SBA loans, crowdfunding, private placement memorandums, stock certificates, investor raises, real estate, and how influencers with large audiences may be sitting on massive funding opportunities. This episode is packed with high-level funding concepts, business structure ideas, and a totally different way of thinking about money, debt, leverage, and building companies. Watch until the end because Derek breaks down the three levels of business funding and why he believes social media creators, entrepreneurs, and business owners are missing the bigger play. CHAPTERS 0:00 Why The Bank Is Your Friend 0:25 Derek Returns To The Show 3:07 The Boiler Room Lesson 5:16 Why C-Corps Matter 9:16 Building Business Credit 13:01 How To Structure Your Corporation 17:41 Business Credit Bureaus Explained 31:46 Building A “Scratch Pubco” 41:25 Why Taxes Can Help You Get Funded 1:06:24 Crowdfunding, Stock, And Big Money WHAT YOU’LL LEARN 💰 Why Derrick believes most people misunderstand business funding 🏦 Why he calls the bank and IRS your “friends” when used correctly 📄 Why a C-Corp is different from an LLC or S-Corp 📍 Why your business address, phone number, and registered agent matter 📊 How business credit bureaus like Experian, Equifax, SBFE, Paydex, and Dun & Bradstreet work 💳 Why corporate trade lines can impact your funding potential 🏢 How business assets can increase a company’s perceived value 📈 Why Derek says entrepreneurs should focus on getting capital before scaling operations 🤝 How crowdfunding and stock certificates can raise larger amounts of money 🚀 Why influencers and creators may have a major funding advantage 🎙️ APPLY OR CONNECT 👉 Interested in being a guest? The host and producers are not responsible for statements, claims, or opinions shared by guests during the show. This content is intended for informational and entertainment purposes only and should not be considered legal, medical, financial, or professional advice. Listeners are encouraged to do their own research and consult qualified professionals when appropriate. While we aim to share accurate and reliable information, no guarantees are made regarding completeness or accuracy. 🔥 Stay tuned for more conversations with creators, founders, and innovators shaping the digital world. SEO KEYWORDS Derrick Whitehead, Digital Social Hour, Sean Kelly, business funding, corporate credit, C-Corp funding, business credit, business credit bureaus, Experian business credit, Paydex score, Dun and Bradstreet, Small Business Financial Exchange, trade lines, corporate trade lines, shelf corporations, aged corporations, business loans, no doc business funding, stated income loans, business credit cards, crowdfunding, Jobs Act, private placement memorandum, stock certificates, real estate funding, entrepreneur podcast, business finance podcast Visit Our Website at https://digital-social-hour.simplecast.com/ Presented by https://podgo.io/ Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.