William Knowles

Had drinks with the finance manager at a Ferrari dealership in Miami who has sold 400+ cars to guys worth $20M+ Asked him how the richest buyers actually pay for a $380,000 car He laughed and said "they put the $60,000 deposit on 0% business cards under their LLC and their cash never leaves Treasuries" Thought he was bullshitting me until he walked me through the credit packets sitting on his desk Everyone assumes a guy making $2M a year wires cash out of his personal checking account or takes out a personal auto loan When the dealership pulls the file on a high-net-worth business owner, they see the exact same setup almost every time: 1. His personal credit report under his Social Security number looks untouched: a 775 FICO score, two personal cards with a $300 balance, under 2% usage 2. Under his LLC's federal tax ID (EIN), he holds 5 or 6 business credit cards across Chase Ink, Amex Blue Business Plus, US Bank Triple Cash, Wells Fargo Signify, and PNC totaling $220,000 to $300,000 at 0% interest for 12 to 18 months 3. He swipes $60,000 for the car deposit plus all his company's equipment, ads, inventory, and tax bills on those 0% business cards while his actual cash sits in Treasury bills paying 4.5% He gets three wins on the exact same swipe: - His $250,000 in cash earns $11,250 a year in risk-free yield for 12 to 18 months before he pays the cards off - Running $250,000 through Chase and Amex prints 400,000+ tax-free points that cover his flights and hotels - Zero dollars of that $250,000 balance ever show up on his personal Experian, Equifax, or TransUnion report because those business cards only report to commercial bureaus Compare that to what a Miami dentist making $400,000 a year with a 755 credit score did the same afternoon He financed a $75,000 BMW M3 on his personal credit file at 7.9% interest and put $15,000 of office equipment on his personal Amex. Thirty days later his personal score dropped 58 points and his mortgage lender bumped the rate on his house refi by half a point Both guys walked in with a 750+ score at the exact same banks. One guy used his personal credit report and got punished. The other guy put $250,000 on his LLC at 0% interest and kept a spotless 775 personal score You don't need $20 million or a Ferrari to run that setup. A 700+ personal credit score and a clean LLC unlocks the exact same $150,000 to $250,000 0% stack for business equipment, inventory, real estate, or vehicles The catch is that if you apply for those 5 business cards in random order, Chase 5/24 and bank velocity filters see back-to-back hard inquiries on the same credit bureau in your state and cap your second and third cards at $8,000 instead of $50,000 (If you have a 700+ credit score and want my team to build your 150K-250K 0% funding stack, book a call using the link in my bio)