Evan Rugen’s Playbook for Funding Any Business Without Revenue

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Welcome to the Level Up Podcast.

I'm your host, Paul Alex.

I went went from being a cop to an eight-figure entrepreneur that helps average people like you and me make money every single day.

I created this podcast to help you get motivated and to crush your goals.

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Hey guys, and welcome back to the level up podcast.

This is Paul Alex.

And guys, here is the latest update with our ranking.

We are currently top 19 in all podcasts and all categories, guys, which is phenomenal.

We wouldn't be able to get up there if it wasn't for you guys, the listeners and the viewers.

Thank you again.

With that being said, guys, we have another phenomenal guest here.

As you guys know, we bring the best of the best in every single industry.

He goes by the name of Evan, guys, okay?

He is one of the founders and owners of Let's Get Funded, one of the fastest growing funding companies out there.

So guys, if you guys are looking to get funding for your business, at 0%

interest.

Oh my God.

This is the man you're going to want to listen to, guys.

So we're going to talk about a little bit about his background and more about what he can offer for you.

Value-based entrepreneur, guys.

Evan, welcome to the show.

Thanks for having me, brother.

Some beer.

Dude, I'm pumped to hear how you guys could get people OPM, dude, other people's money, because that's what it's about, dude.

Leverage, right?

Yeah, a million percent.

So tell us a little bit about yourself.

Where do you come from before getting into business, brother?

Yeah, so I'm originally from upstate New York.

Grew up with a town of one traffic light.

Very, very rural, right?

so every single human every single person i come across everybody has something something to offer right um but yeah originally from upstate new york moved to new york city when i was 19 with 500 in a duffel bag um started selling real estate um started selling i think my first year did like nineteen thousand dollars at my peak the new york times called me the frat whisperer uh did about three million dollars in revenue and i'm like this is getting out of control a little thing uh in 2020 happened called COVID

where I took a, you know, took a little sabbatical, came down to Florida, thought about about my life.

I'm like, all right, I want to get to the other side of the transaction.

I don't want to be the broker anymore.

I want to be the owner, operator, developer, right?

So I started doing that, bought my first deal in upstate New York, bought it for $58,000, renovated it, put in $200,000, used business credit.

The bank's like, all right, this house is now worth $450,000.

I'm like, okay, this is pretty cool.

Did that at scale.

Real estate's interesting where money is everywhere, but in your pocket.

And I'm like, all right, I need a way to get access to capital.

Didn't know how to do it.

Got a collection of my car report.

I'm this big guy, flex on Instagram with all this, you know, millions of dollars of real estate, but I can't go to a bank and get $5,000.

I'm like, I have to fix this.

Yeah.

Right.

So I fixed my own credit, built up my credit profile, got access to business funding.

To this day, I've gotten $1.1 million of funding without ever providing a tax return or a bank statement and without ever paying a dollar of interest.

Wow.

And I'll put that record against anybody.

I've never met anyone who's gotten more funding than myself.

And now I just teach other people how to get access to that capital to grow or scalar business.

Dude, I love that because number one, you're leading by example.

Dude, you actually did the thing.

You did the social proof.

You did the work.

Right.

So you have the actual history to back what you do.

I love that.

So where exactly, okay, did you learn about money and credit?

Did you learn it growing up?

Did you learn it?

Did you have a mentor, dude?

Because I'm really big on self-education, man.

So as you're going through your real estate venture, did you have like a friend?

Did you have a spouse?

Did you have a mentor that was like, yo,

this is the sauce?

Well, it was always a little bit in the background, right?

I mean,

to graduate high school, you make do a senior thesis.

I don't know if you had that.

My course was financial literacy.

You should be required, of course, to graduate from high school.

But, you know, later on, I realized they don't want you to learn financial literacy because you go to high school to get a job, right?

That is the number one way to get out of your job.

So that's why they don't teach it.

But no, it was really just like my back was against the wall.

I was in Minnesota.

I think it was the date was April 12th, 2022.

Again, I had, you know, six, seven million dollars real estate, bunch of rentals, whatever.

And I look at my credit karma, my credit score is down 60 points.

Like, what is going on?

That's insane.

My girl at the time was like, oh my God, you have a stroke.

I'm like, yeah, this is my lifeblood.

This is how I, you know, because I have a bunch of bridge loans, whatever, and I need my credit score because for every 10 points your credit score is lower, on average, you pay an extra $30,000 over the course of your loan.

So like, you know, you're swimming upstream.

That's great information, man.

I never knew that.

Right?

Yeah, it's like, it's not even about the business money.

It's like, yo, build out your credit score.

Your life is more difficult if your credit score is not built out.

But anyway, back against the wall.

That's how I do best, right?

I need to refinance all these high-leverage bridge loans.

And I have all these investors.

I'm, you know, flexing on Instagram.

But at the end of the day, like I said, I can't go to a bank and get money.

So I'm like, I need to learn how to fix my credit, right?

I never bought a course, never bought anything online.

I think one day I'm like, yo, I'm going to lose my properties.

Let's like figure out how to do this.

So that's step one.

What year was this?

This is 2022.

So not that long ago.

So 2022, right after COVID, I mean, everything's getting sort of back to normal, sort of.

Relatively, I bought the properties during COVID, and the properties were on a two-year bridge loan where you renovate, refinance, all that stuff.

But I needed to refinance.

And all the loans were coming to maturity.

I'm like, I need to get out of these loans.

But I couldn't because I had that bad credit score.

Wow.

Wow.

Okay.

So what was the next step that you did?

So, I mean.

To be real, I messaged probably, I was in crisis mode back against the wall.

I'm like, all right, I've been putting this off.

I'm losing sleepover every single night.

I'm walking around town with a 600 credit score.

I think

I typed in fix my credit on Instagram, messaged 15 people.

One guy got back to me.

I never bought a course before.

I was always, oh, courses are scams.

Paid that guy $1,000, taught me how to fix my credit.

I think the next month I bought like 15 courses.

I'm like, courses are awesome.

So fix my own credit.

I'm like, okay, this is a real thing, right?

My score went from, and the cool thing about credit is you have a scoreboard, which is your credit score, right?

I think it's a pre-qualification to get into credit.

You actually have to display your credit score at all times.

I have have an H28 credit score.

But it wasn't always like that.

So step number one, fix my own credit.

Step number two, I'm like, all right, this is cool.

How can I build this out?

So get high limit credit cards, add my rent to my credit, remove all my previous addresses, remove my inquiries.

And then, you know, I'm like the hot girl at the bar.

You know, I can walk into any bank and get anything I want, right?

Because that's step three is after you fix your credit, you build out your file, then you can get access to the business funding, right?

So I fixed my credit, I saved my real estate portfolio, I got access to more business funding, right, to purchase more real estate, renovate more properties.

And then a funny thing started happening where more people were reaching out to me for my real estate, for my funding and credit services, because we actually fulfill, we actually get it done than my real estate services.

And I'm like, you know what?

It's a lot easier to fix a hyperlink than it is to fix a pipe, right?

I don't know if you have any real estate exposure, but pipes are breaking, tenants aren't paying you, you're getting sued, all this crazy stuff.

But you know what?

Let's try this digital money.

And that was about two years ago when we launched Let's Get Funded.

So around 2023, you have an epiphany.

And you're like, dude, I'm in real estate.

I love it.

I'm good at it.

But at the end of the day, I'm going to take the path of least resistance.

Digital money.

And that's what everybody wants to learn.

I feel like digital money is what I like to call NAD, which is the new American dream.

Absolutely.

It truly is.

Right.

So

you go ahead and you start Let's Get Funded.

Okay.

Tell me more about that.

How does that help people?

Well,

the first thing to backtrack a little bit, we were LVL group and I was, you know,

something I like to call domain hunting, right?

And I saw

Let's Get Funded.

It was about to expire, about to expire.

And I have this domain broker who, you know, just chubby guy with a ponytail.

And

I was using him to get this domain, right?

And I was able to purchase let'sgetfunded.com for one whole payment of $19.99, less than $20.

That is awesome.

Yeah, and since then, I've been offered well into the six figures to buy the domain, never selling, right?

But I, you know, use that funnel to help people, again, get access to money, fix their credit.

Even if you're a Canadian citizen or you don't have a social, we're actually helping people build out their ITIN, build out their business credit profile internationally, still get access to funding, and it sort of speeds up their route to citizenship in America.

So you're able to help everybody in the U.S.

in any state.

Correct.

And then you're able to help Canadians.

And anyone in the world.

I have about 20 VAs in the Philippines.

We're getting all of them ITINs so they can get American Express, you know, Chase, all that stuff.

They're going to be flexing out there.

Dude, that's amazing.

Yeah, well, I was walking in the Philippines a couple of weeks ago, and I looked up and I'm like, oh, the biggest...

tower in in downtown Manila is the the Amex tower.

It's like they must there must be something going on here.

Sorry,

and I looked it up and I'm like, yeah, all these people can be funded.

They just need to build out something called an ITIN, which is, I think, international tax identification number.

You need to build that out, but you can still get $100,000, $150,000 without a social wow yeah that's amazing man you know a lot of people don't know what companies to trust right what companies to go with what companies are going to fulfill like you said we actually fulfill yeah that's important yeah right so let me ask you this question what is the most common issue that people that have bad credit what are they facing based on what you guys see well it's not even bad credit you know there's so many guys that that come to us with a 740 750 you know credit score which is great but the thing you have to understand um about a business credit is look you buy you know real estate the collaterals of real estate if you don't pay they take that back with a car the collateral is the car if they don't you know pay for the car they repossess the car right feel like that happens a lot in Miami with these Lambos absolutely it does but with business credit they there's nothing they can take back they can't take you back so it's not only about fixing the credit it's making sure you're verifiable right making sure you're you're you know when the bank looks you up they're like okay this is a real human being this is an identity theft right so it's a small things removing all previous addresses off your file right removing all inquiries off your file making sure you have a tier one bank on your credit, like a Chase, like a Bank of America.

Because at the end of the day, you know, that small difference, right, can be the difference of you getting approved for $75,000 at 0% or denied.

That's powerful, man.

And then what qualifications do people need to get, let's say, funded or money at 0% interest?

How does that work?

It's completely predicated on your personal credit score.

You don't need to build out your business credit.

You don't need to have a business that's making revenue.

Yeah, it's completely predicated on your personal credit score.

All you need is a 700 FICO or above, and you can get access to $100,000 at 0%.

I mean, myself personally, I've gotten $1.1 million and never paid a dollar of interest, but I don't set the expectations that high.

But that's who they're learning from and working with.

Yeah, no, absolutely, man.

You're definitely leading by example.

I mean, you're showing your social proof.

You're telling people, hey, I was able to get $1.1 million in funding with zero interest, which is phenomenal.

Never paid a dollar of interest.

It's phenomenal.

Yeah.

You know, and I'm pretty sure you're promoting that on social media saying saying like, hey, guys, I want somebody, I want to challenge everybody right there, right?

You should, dude.

That'd be awesome.

Yeah.

So let's say if someone has a job and no business,

can they still get funded?

Yes.

They can.

I mean, the first step is forming your LLC, right?

And again, obviously that's very easy.

A lot of people, that's where they even mess up.

They're like, I already formed an LLC and it's, you know, KJ's construction or Rick's dispensary.

Banks don't want to lend money to a high-risk industry, which is, you know, real estate dispensary.

They love consulting,

technical consulting, because it doesn't cost money to talk to somebody, right?

It's a very high-margin business.

So you can't really help yourself

with the name of your LLC, but you can only hurt yourself with it.

So there's a lot of very, there's about 75 different things that you can do or say that can lead to an automatic decline.

No, absolutely, man.

And my audience,

so you know.

Yeah.

Man,

right now, this is very important.

Why?

Because we talk to so many people, dude.

We get about 100,000 downloads a day on the podcast, right?

But a lot of people, they just, they're not believers, dude.

Right.

They're not believers.

Did you always believe

in, like you said, what stopped you

from getting a course in the very beginning?

Remember, in the very beginning, you were like, dude, I thought courses were scams.

Why was that?

I mean, just popular conviction I've seen online, you know, just people talking about them.

And then I realized, you know, I think, you know, college enrollment is down 25%.

Where are those people going?

They're getting information from somewhere.

Correct.

Why not getting information from someone who has that specific information?

And to be completely real, Bob, is that there are a lot of scammers out there.

There is.

And my background a little bit, my dad's a chiropractor.

My uncle's a chiropractor.

Actually, I've two uncles that are chiropractors.

My grandfather, chiropractor.

I'll be real, like, I'd say two, three out of 10 chiropractors are maybe even higher are just quacks.

They're weirdos, right?

So so many people hear about chiropractic, they're like, doesn't work for me, blah, blah, blah.

I have a guy in your office right now.

Yeah.

Right.

He had

an injury 10, 15 years ago, and no one's ever been able to fix it.

He had the suction cups in the back, all this different stuff.

I'm like, my dad's never made six figures.

And I asked him, you know, why?

He's like, well, I fixed their problem.

There's no, there's not money in real chiropractic, right?

I'm like, Jeff, please go up there, right?

This is a month ago.

And he came back and he's like, dad, your dad is a master of his craft.

He feels better.

He's helped, you know, and it's the same thing with financial literacy and courses.

It's like, it's very much in my power.

I'm able to help these people.

So I have no problem doing it.

So now, what do you tell people that tell you, hey, man, I'm not sure of doing business with you.

I'm not sure about these other people that are selling courses or programs or services.

Now that you're on the other end of the table, dude, how do you handle this type of objections?

And that's a completely real objection.

I'd say join my 20,000 person free community.

Get free value.

As soon as you're onboarded, we do absolutely for free.

We remove all your inquiries on one bureau.

So you see real results.

You get the nice text message, hey, blah, blah, blah.

We just removed all your hard inquiries of these bureaus.

Then we have the scoreboard,

which is your credit report.

They see your credit score go up and they're like, okay, this is real.

Because people.

doubt what they're told, but they accept what they conclude themselves.

Yes.

So they join the free community.

They're like, okay, this is real, right?

Okay, I can get access to capital.

Where do I, you know, invest that money?

Maybe

a venture like Cash Web, you know, something like that.

So I'd say for those people, join my free community.

Get some free value.

I love that, man.

You're providing value.

You're providing them with a service.

Right.

And

we lose money on that service.

I was going to say, because you have to hire your employees, right?

You have to hire somebody to process that, right?

So that's amazing, man.

And how long have you had that community for?

About a year and a half.

That's phenomenal.

We're top 10 in school all time.

Dude, 20,000 members in a year and a half.

That's amazing.

Congratulations, my friend.

I love that, dude.

That means you are a servant leader, dude.

You are actually providing value for that many people to come to your community, brother.

Yeah, I mean, what is the quote?

A leader is a distributor of hope, right?

And they have to see those results.

And when they see the results, they're like, okay, wow, this is a real thing.

And we've had, you know, so many people where we've changed their lives, whether it's getting funding to finish, even my own employees.

I hired this one guy.

He was stuck on a fix and flip.

He was $100,000 short.

He just didn't know where to go.

We got him the $150,000.

He finished the renovation, refinanced.

He just has a better life.

It's something like very much my power I can help these people with.

Yeah.

No, absolutely, man.

And also with helping people with their credit repair, getting funding.

Do you offer any type of like coaching, like advice that you can tell and direct people to how to properly use the funds?

Yeah, absolutely.

I mean,

like I said to you earlier, if you want to make a lot of money, do what everyone needs, but no one wants to do.

Yeah.

So commonly, people come to me.

It's an epidemic right now.

I want to buy an Airbnb.

I want to buy a laundromat.

Sure, those are great vehicles.

You make money on anything, but when there's extreme competition in something,

all the revenue gets competed away.

So I'm like, hey, man, go in the chat GBT, type in that quote.

What are 10 businesses that no one wants to do, but everyone needs?

You know, waste management, you know, Johnny Robinson, cleaning services, right?

Your venture, Cash Swipe, all these things that you don't even think about, right?

Don't go for the low-hanging fruit of

Airbnb.

Everyone's doing it, right?

And Airbnb in particular, it's a great product.

Don't get me wrong, great for tax benefits.

But you have so much competition.

It's a smart and sexy business.

Guess what?

You have smart and sexy competition, right?

I'd rather compete with a garbage man than I would with a, you know, you know, interior designer.

Yeah.

No, absolutely, man.

And that makes a lot of sense.

So

besides the communities, or I'm sorry, the vehicles that you stated.

Right.

Okay.

If you were on the other end of the table and you just got funded, what would be the top three businesses you would do right now?

Well, I mean, to be, if you have the personality for, I'd say, I don't know about top three, but you know, like

number one is building a community and on the community.

Again, if you have the, if you're a bland person and you don't want to talk to anyone, maybe don't start a community.

But you want to look for things where you're early.

You remember Instagram years ago or Snapchat or TikTok?

It's easiest to grow when you're early on a platform.

Think about all of these platforms that just came out where you're monetizing your followers.

I think the top three are school, WAP, fan bases.

Correct.

All these platforms are coming out to monetize your audience.

I started this year at,

I think, $1,500 recurring every single month.

I'm like, oh, $1,500 pays for half my rent.

You know,

now we're at $50,000.

I love that.

You can't, I mean, that's in six months.

The fact that you can go from zero to $50,000 in recurring revenue, right?

Think about how much money in real estate you need to buy to get.

$50,000 in recurring revenue.

A whole lot, brother.

Yeah.

And because I respect you, I'll tell you, we're halfway through the year.

By the end of the year, we'll be at $100,000 recurring.

When I see you at the holiday party, I'll be like, hey, man, remember, you know, I made a challenge for myself.

I'm a believer.

I'm a believer, dude.

Because value is,

or sorry, money is only an issue in the absence of value, as you've seen with your offer.

Yeah.

Right.

100%, man.

And when you're providing that much value, when you have the proof and it works over and over again, oh, yeah, dude, it's a no-brainer.

Yeah.

You know, it just, it just makes sense.

Copy and paste.

So

you also help people start online communities.

Right.

Okay.

How does that work?

What is the process?

process let's say if i was a client you just funded me dude right i got you know fifty thousand dollars to invest into an online business because like i said it's the new american dream dude people want to build a digital product right what would be the steps that i would go through with working with your team i mean really exactly what we what we just described but in not so many words you know understand you know what your skill set is you know what your lead magnet is how are you gonna you know again you you give away uh the pretzels so people will buy the water you you know, what is that lead magnet?

Get people through the doors so they can see, okay, this is a real thing, right?

And then what is your upsell?

What is your downsell?

What are your channels?

You know, what does your fulfillment look like?

Right.

Very simply, any info, any online product, and you know this, is advertising, setting, closing, fulfillment, right?

Advertising, letting people know you exist, right?

Setting, getting them conditioned, getting them ready to buy, like through a lead magnet.

Closing, you know, getting them over the finish line.

Fulfillment, actually getting what they paid for.

If you look at like a restaurant, for example, let's take Red Lobster.

By the way, that CEO is doing a great job.

Yes, he is.

Because I know that one in four lobsters right now is purchased by Red Lobster.

So that's what advertising marketing, letting people know that you exist, setting, getting you ready, maybe the reviews online of Red Lobster, what it looks like outside when you walk in.

Hey, do you want to be inside or outside?

If it's a really nice restaurant, like the place you got married, oh, it's good to see you again, Mr.

Paul.

You know, you're set.

You know, the clothes is the waiter.

Hey, upsell, upsell, upsell.

Do you want a martini?

Do you want a steak?

But a lot of issues that a lot of people fall into is they have this great advertising setting closing and there's one guy in the back cooking all the food you know doing all the fulfillment right one like little dude you need like a whole staff right to take care of that fulfillment and you can only bring your offer as as as far as your weakest link right absolutely you have one chef in the back and you don't have a prep cook and you don't have food being distributed in you're you're not going to make any money no right no you're you're going to hit the roof dude and you're going to be like capped yeah you're going to be capped and you're not going to be able to grow capped by your weakest link yeah no and that and that makes perfect sense i mean client acquisition sales sales, and fulfillment is everything.

Those are the three main needle movers.

I always say, dude, so you're spot on, bro.

So let me ask you this.

And I get asked this all the time because limiting beliefs, right?

Online offers.

Oh, man, I don't know if I could do that.

I'll try being on camera, but what if I don't even have a following, man?

Can I still do it?

Yes.

So I, my personal Instagram, and I'll show you so it's verified, gets about, right now, I think over the last 30 days, we've gotten 8 million views, right?

Wow.

You can nod at the camera, that's real, right?

You might say, oh, Evan, because you're on this podcast, you're talking, blah, blah, blah.

But I made another Instagram that my face is not on one time, right?

Completely with repurposed content, faceless content.

You can tell them.

Wow, 3.7 million views, guys, in the last 30 days.

Right.

So with

marketing, you have to go very, very broad.

Like if you want to sell wedding rings, right?

Talk about weddings.

So that content is all about money, finance, you know cool stuff to get people into the funnel to get people familiar with you know broadly what you're doing right and then obviously i have the lead magnet in the in the in the bio so if you're someone who doesn't want to talk on camera guess what we've gotten four million views over the last 30 days with content that's completely rebranded ran by someone in the philippines for six dollars an hour yeah yeah so this is your strategy to grow your following and then you end up converting those people that go through the pipeline.

Well, here's another story for you.

You'll appreciate this.

And I don't don't know if you know this about me, but a friend of mine called me

in November.

He's like, yo, John, do you follow MMA?

Yeah, I do.

I was just at the Max Holloway fight in New Orleans.

Okay, cool.

So John Jones, he was the headliner, blah, blah, blah.

And Trump had just gotten elected, right?

It was after he got elected, but before he went to the White House.

He's like, hey, man.

You got to buy these tickets.

I'm not an MMA guy, right?

I'm built like a piece of paper, so I wouldn't compete very well.

But he's like, yo, you got to buy these tickets front row.

They're right behind Trump.

Okay.

he's like i think the perceived media value of this is at least 250 000 and this guy call he always has this intel i'm like that's that sounds crazy but uh he always has this intel and whenever shout out gabe whenever gabe tells me to do something i do it so i bought the ticket i've never been to mma just put down the 5k just to be behind trump because it's a historic event right and so he calls me like three hours later he's like yo mayday mayday like trump secret service switched him he's on the other side of the mma you're across from him so i'm playing i tag you know with trump all all day across the across the barren and i'm like all all right, what can I do?

So I bought an American flag before going in because I know they always show the guy waving the American flag.

And I snuck it in, got past Secret Service, right?

Got into the MMA and Trump comes out.

I pull out the flag.

I start waving it, right?

They show Trump.

They show Elon.

They show Joe Rogan.

I'm the next guy on camera waving the American flag.

I have like 300 texts.

The clip got over 100 million organic views.

Dude.

And yeah, yeah, I can show it to you later.

But just like stuff like that, right?

Where Where it just got brought so many more people that they were aware of me.

I got probably 5,000 followers just on wearing my logo right here.

And they could see it a little bit on the camera frame.

You know, I'd say the perceived value of that, a lot of those people started with me in November.

They just showed my page from the Trump clip.

I've probably funded that group of constituent of people probably $10 million.

Wow.

Yeah.

That's amazing, man.

And that's really think outside the box.

Right.

That is creative marketing right there.

Yeah.

So let's talk about some wins.

Okay.

What is one small win?

And I always, just to give you reference, man, last year I was part of Russell Brunson's inner circle.

So it's like 20 marketers.

There were Russell Brunson and

Boise, Idaho, in the snow.

I'm freezing my butthopter in there, dude.

You know, enjoying some Buffalo Wild Wings.

And I'm listening to Russell speak.

And for you guys that are listening right now, because we do have a lot of 95ers that are not into drug marketing, Russell Brunson owns ClickFunnels.

ClickFunnels is a household name.

He is an OG when it comes to digital marketing.

Russell talks about small wins.

And he's just like, guys,

if your client isn't getting a small win within the first 30 days, your conversion rate just drops.

So I'm a big believer in small wins, right?

You got to help people that have limiting beliefs win in life, dude.

That's how you grow a massive organization.

So

what is one small win a client of yours had that really really made you proud?

Yeah, I mean, a small win.

I mean, I'm going to pull up my phone and show you every single day because it's all about receipts, right?

So if you have more than, and I'll show you, look at, that's this live Slack notification.

If you have more than three hard credit inquiries in your credit report, you're seen as a high-risk lender, right?

We have small wins every single day.

Look at that guy.

Deleted four inquiries.

Hang on.

Let's see.

I love that, man.

Yeah,

here's another one.

Five inquiries deleted.

So every single day,

that's the smallest win.

But again, that's the difference.

There's another two inquiries deleted.

There's another one inquiries deleted.

So that's the difference of someone getting a mortgage rate of 7%

or 6.5%, that 10, 20-point swing, which is the difference of $30,000 over the course of your loan.

So in terms of small wins, I mean,

we truly have so many.

In terms of big wins, again, what people don't understand about credit repair is you are a consumer in America when it comes to...

with your credit, right?

So you have all the rights in the world.

A lot of people, I don't know if you've seen this, a lot of people have gotten late payments collections on their student loans that just, you know, happened because of something in the administration.

People are freaking out.

I'm about to close in a house.

My credit score's dropped 100 points.

Well, and here's just an example, right?

If you live in an area where there's a natural disaster, I'm not talking Hurricane Katrina.

I'm talking a 15-mile gust of wind sometimes can be classified as a natural disaster.

You can cite that, put it on your credit report, and say, hey, I was affected by this federal event.

It's a federally backed loan.

You cite that.

You state that with the CFPB, the BBB, the FTC, right?

Those student loans would be wiped off your credit report.

So you not only wipe the debt, you wipe the negative remarks.

Their score goes back 100 points.

They can close in their house.

Everyone is happy.

So you're literally changing lives.

You're actually building generational wealth when you look at it, man, because, you know, getting somebody from 600 to 7 is night and day.

Yeah.

You know,

it's whether they can go ahead and rent that apartment they need to for their family or whether they can afford that mortgage to live in that neighborhood they've always dreamed of, right?

Or very simply you know someone went to buy a car and they got six credit inquiries and it dropped their score 20 points and because of that they can't qualify for a first-time home buyer and that happens all the time all the time and they tell you not to take out a car when you're taking out a mortgage it's it's a it's a literally my team it's a it's a they will have results in 24 hours wow right and just a simple lack of information yeah yeah that's what a lot of this you know that's what info is you're selling information and and then with your offer is it more like a done with them or is it more like a done for you we we offer any single person that comes into my funnel you know russell brunson there's a way they can they can go i'll run from from the lowest tier all the way to the top so if someone comes in they have no conviction they have no idea who i am they came from a facebook ad we have free onboarding every single day and where you can get one bureau removed off your inquiries if you want to take the next step you're like hey i want to do the funding myself right you can join our paid community it's 97 a month i probably break even on that we do all the credit repair for you we remove all your inquiries for you and then i give you every single play I've used to get $1.1 million of funding.

Wow.

Right.

Every single play at the data points, who I spoke to, who to call, what website browser to use.

If you want to do it yourself, the next level above that, if you want to work with my team, we will do the funding for you.

We will introduce you to our relationship managers, who we know at these banks, right?

And give you the actual sauce.

If you want to go above that, right?

We can teach you how to launch your own funding company.

Right.

Nice.

So you can actually teach someone how to start their own funding company.

Yeah.

Do they need experience?

No.

No.

They need an internet connection.

I love that.

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Emilio,

start another business, brother.

Well, there's so many, there's

so many different things you can do within credit, right?

I'll list a few.

You could have a company that just removes inquiries.

You could have a company that just builds out credit profiles for people internationally.

By the way, that's a huge blue ocean market that only, I'm the only person I've seen us doing it.

You know, building out credit profiles, like I said, for Canadians, people in Mexico, people in the the Philippines, right?

You could, there's offers that are strategically that help people navigate

how to

get the best credit card points possible for flying.

And that's what we have in our community.

We show up every single day.

Every Monday,

we have a call on how to get the best flights possible.

I have a guy, my guy, Kyle, shout out Kyle.

He just flew back from Maldives, $8,000 flight he got for free.

Wow.

He teaches how to do all that stuff.

Every Tuesday, we have a call, how to source virtual assistants for your business for $5 an hour.

We have a guy running that call who has over, who's placed over a thousand uh virtual assistants shout out franco uh in in the united states offers and again these people you know very very high level people like over here i'd be paying like a quarter million but you know you can get them for 10 11 12 an hour every wednesday i have a call for example we had a lender last night that ran over all the different sba options anywhere from a hundred thousand dollars to five million dollars every thursday we have a credit repair call going through all the different forms what's going on with your file blah blah blah and then every friday we have a call that shows you how to level up and blow up your instagram right without ever showing your face.

And that's huge, right?

When you think about it.

Yeah.

So we're not only, it's the funding, but we're also giving them all the tools to actually blow up their own business.

Wow.

Wow.

That's amazing, man.

Yeah.

So since this is the level up, we help people here that basically are fighting themselves, man.

And what I'm talking about, it sounds cliche, but it's you versus you.

100%.

Right.

You ever heard that?

Yeah.

It's true.

So what advice would you give someone who's scared to start?

No one gives a shit about you.

No one cares about you.

You have to go all in, attack your strengths.

And at the end of the day, no one's watching.

No one is on their deathbed thinking, oh, wow, that guy embarrassed himself by trying the new venture.

It didn't work out.

No one's paying attention.

Yeah.

Go all in.

You have one life.

Attack it.

No, absolutely, man.

Do you have a client success story you can share where they were scared to start and then you were able to help them overcome beliefs and start with you?

yeah we i mean there's there's so there's so many um we have a we have a guy for example who had gone through a funding company um didn't get results you know essentially what many of my employees have said after we've hired them is like oh wow you guys actually have strategy you go to this bank and do that a lot of people are just shotgunning credit card applications like no we have to remove all your inquiries you have to remove your your address he was very very um reluctant to start because he had gone i think he gotten five thousand dollars in total um we brought him to our relationship managers you know right spot, apply with this relationship manager, apply here, blah, blah, blah.

Because it is a strategy, right?

I think he got $175,000 at 0% for 18 months.

Dude, that's fire.

18 months without producing a tax return or a bank statement.

That's the biggest thing.

Like to qualify for this, truly, guys, don't overcomplicate it.

All you need is a 700 score, right?

That's it.

You know, we don't, we, we're not talking about business plans or anything like that yet.

Just a 700 FICO.

But yeah, we got him $175,000.

He's based in

New Orleans and he did it to scale his,

he has sober living facilities.

and he's scaling and i actually like that like that uh business that's that's a great cause dude yeah it helps a lot of people right yeah i love that man so let me ask you let's let's get more into uh self-development man

what is your why why do you do this why do you want to continue to grow

um

i you know i know i'm a a white male in america and my life is probably pretty easy to most and i i would agree with them but i definitely grew up i mean my nickname on soccer was run like I was the runt of the literature run right yeah run

yeah so it was like very very commonly overlooked and uh you know I just like to give people an opportunity you know and and and to to a fault you know many people have screwed me over and I've given many of the the top performers on my on my team the same opportunities as other people and they they couldn't step up or couldn't do in it but I love

you know, just giving giving people a chance that are often overlooked or marginalized and giving them a chance like, hey, man, like this is your shot, you know, take it.

Whether it's they're overlooked because they look funny or they talk different or they didn't go to this college or they didn't know the right people, just giving them an opportunity to succeed.

And that's what fulfills you.

Yeah.

Yeah.

Like when I can have a single mom come to me and she's on the balls of her ass just trying to stay afloat and I'm able to fix her credit.

I'm able to put her into a vehicle where she's launching a, for example, we had a client launch a remote cleaning business through Johnny Robinson and she came to us as a credit repair client.

We got her the funding.

She's like, what do I do with the 50,000?

She's like, oh, I'm thinking about doing this.

I'm like, no, no, no, don't do that.

Go over here and do this.

And she actually followed the directions.

Now, you know,

she doesn't want to become a CEO.

She just wants to make like $10,000 to $15,000 a month to support her babies.

And she's able to do that.

Yeah.

I mean, simple concept.

Not everybody wants to be a multi-millionaire.

Not everyone wants to run a massive organization.

But what I see, what's so powerful about Let's Get Funded is you guys help everyday people with obtaining their goals, dude.

Correct.

Because credit is big in America.

Yeah.

Getting funding is big in America.

And some people just don't know who to go to, bro.

So many people are just locked out, unfortunately.

You know, just, you know, again, just based on a lot of people come to us and they can't even open a bank account.

Yeah.

It's true.

They're in check systems.

They're in early warnings.

We can help with that as well.

But you know, primarily what we do is the funding aspect.

But, you know, again, we can get the people from the credit repair building out their file.

But primarily, our bread and butter is getting them the absolute best available capital to grow or start their business.

I'm not talking about MCAs or any of that gross stuff because that doesn't help anyone in my opinion, you know, but truly 0% or very low-income capital for people looking to start or grow.

You know, we have plenty of, you know, seven, eight-figure entrepreneurs that got funding to buy the next location or hire more staff, right?

I love that.

I love that.

No, that's awesome, man.

So let's talk about the future, right?

What do you see?

Let's get funded.

Where is it headed to?

Are you guys working on any new solutions, any new services?

Where do you want let's get funded to be here in the next, let's say, 12 months?

Yeah, I think if when we're when we're chatting in 12 months, I think we go from you know our 35 employees now to you know at least double that and you know maybe you feel this in your own business.

It's really just doing more of what's working.

You know, it's like Trump and it's Gi Coke button or just keep pressing the button if it's hitting, right?

Why not?

Why stop?

Everyone is very happy.

People are getting fulfilled.

You know, let's do our international credit program bigger.

Let's do our credit card card points product bigger.

Let's do our funding solutions larger.

Let's find out more vehicles like Cash Swipe to put them into where they can multiply

those dollars, right?

Not a financial guarantee, by the way, but

results may vary.

But yeah, just doing it bigger.

And not only the people we help, man, but

our staff.

It's giving them more opportunities to succeed.

We've had, you know, we have several people on our company that were former, you know, were maybe incarcerated or they're coming from a not great scenario or they're an Uber driver and they were just overlooked by society and they just needed a chance to succeed.

Yeah.

I have just as many people that I gave those opportunities that, you know, it screwed me over.

I'm like, all right, you know, see in church, have fun.

You're not working here anymore.

Yeah.

But, you know, not only enriching our clients, but just finding more people for our tribe and, you know, growing our own company.

How much do you believe in culture?

Do you believe culture helps build a great organization?

Yeah, absolutely.

And especially when you're just trying to get it off the ground, that's the most difficult.

You know, once you have your culture setters, you know, your managers, right, it sort of happens, you know, organically.

And it's very easy to know, okay, we're at X amount of dollars per month.

How do we get to, you know, the next level?

It's like, oh, we bring on this tier, but it's really, you know, high-level management that's sort of setting the culture.

And it's not like, oh, we're going to throw you a pizza party once a quarter.

That doesn't work, right?

It's like bringing them out, hanging out.

You know, I went to the Philippines and hung out with a lot of our contractors.

And look, we have 35 employees.

I'm not an ego-driven guy.

A lot, like probably 20 of them are based in the Philippines.

And they're like, oh my God, I can't believe you're hanging out with us.

Dude, it's huge.

I'd never hear of a business owner from the US going to the Philippines to hang out with their virtual assistant.

Why not?

They're awesome.

And I feel even bad saying virtual assistant because they're human beings and they're

so cool and so talented.

Yeah.

And, you know, like, again, Franco leading our, you know, all of our hiring or Gene, you know, leading all of our credit repair or our CTO,

you know, our payroll, you know, all that processing, right?

It's handled virtually.

Yeah.

Not just the Philippines.

You know, we've, I call it sort of Diet VA, you know, Colombia, you know, Uruguay.

We have a few in India.

So that's the beauty of the internet.

And

a lot of these guys were just turned online with Elon's Starlink.

So a lot of these people have access to the internet now.

It's a whole new wave of contractors.

We just hired a, I just hired a 16-year-old over an MBA

graduate level guy, because frankly, it wasn't very impressive.

We brought in a 16-year-old from the UK

to sort of be a setter in our company.

So greatness can come from anywhere.

It doesn't matter where you are in the world, right?

No, and you need a servant leader like yourself, dude, to believe in those type of people and to help them grow, dude.

It's very important.

Give them the tools to where they can go away.

They can leave and join another company, but give them the culture to where they're going to want to stay at your company.

I love that, dude.

Give them the culture where they want to stay in your company.

That's awesome, dude.

So, Evan,

what words of motivation do you want to give to the 3 million listeners that are going to listen to this podcast when it comes out, dude?

How can they level up in their life in 2025?

That's an extremely broad statement, but I'll tell you, you know, my personal story, you know, I've gotten over a million dollars of funding without ever paying for,

without ever paying a dollar of interest.

I haven't paid for a flight since 2021, 2022.

And on the money I do have, I have the absolute best rates available on my lines of credit and business credit cards.

So I would just say get your finances in order, right?

People are trying to start a business, but they're building their business on a poor foundation because they haven't optimized their credit.

They haven't fixed that best buy collection that they got when they were 20 years old, right?

So level up your credit, you know,

if that isn't optimized, you're swimming upstream.

Your life is going to be more difficult.

And I'm not even saying more difficult.

I'm like, you know, I remember tossing and turning in bad.

I'm like, oh my God, that $200 collection.

I remember counting down the days, Paul, on the amount of add inquiries on my credit.

I'm like, okay, it comes off after two years.

Count it, okay, only 100 more days.

All that stuff can be removed.

So level up your finances, you know, and it will make whatever opportunity you're going to go after just a lot easier, right?

90% of businesses fail because lack of access to capital, right?

Absolutely.

When you have that million dollars, like I do behind me, where, hey, business isn't always going to be up and to the right.

Or if you have a down month, what if your best employee quits?

What if something changes with the offer, right?

You're not, you know, you know, you're not bankrupt.

You're like, okay, I'm going to rely on that line of credit, right?

And I'm going to hit it harder next month.

Yeah.

More options, more resources to make it happen, guys.

Absolutely.

So, Evan, where can they find you?

They can find me at letsgetfunded.com.

You can find me at my Instagram, Bowery B-O-I, Bowery Boy, represent New York City.

We have a documentary coming out on PBS on Monday.

You can see me there.

I don't know if they can really reach out to me, but we also have a free community host on school.

That's Let's Get Funded free group.

we also have an inner circle um i i would say if you can't find me online uh i can't help you we are we are everywhere uh and we have people answering all different vehicles emails all that stuff i love that guys and there you guys go evan from let's get funded guys if you guys need help with credit repair funding zero interest

you don't know what to do you need the experts to help you get funded at any stage of the game guys evan and his crew are right there to help you guys he's a server leader he's here to make it happen.

And make sure to take advantage of his free community, guys.

Over 20,000 members.

And he's able to actually provide some free resources in that.

A lot of free resources.

If someone goes on there, there are resources that show you exactly how to fix your credit for free.

If you have time, but you don't have a single dollar, I fortunately did very well financially in previous careers to where we can give away these resources for free.

Let me earn your goodwill.

Fix your credit for free.

All the information is in there, right?

If you're going to build out your credit, right?

All that information is in there but again if you're going to get funding like you can't put the toothpaste back in the tube sure you can go directly we had a guy a couple weeks ago i know i could have got him a hundred thousand dollars from td bank i know he had a great business like uh he was wholesale imports exports whatever he came

we talked he's like no whatever two months later he's like all right i'm ready for funding i look at his credit report i see that inquiry from td bank and i'm like dude did you go directly he's like yeah they gave me a two thousand dollar limit i'm like i can't retroactively like go back and change what you say so again,

I would say, yeah, that's a great next step.

Join our free community, get some free value.

And Evan, where can they find you?

They can find me on my personal Instagram, Bowery BOI.

They can find me on our website, let'sgetfunded.com, our free community hosted on school.

Just type in let's get funded on Google, type in my name on Google, Evan Rugin.

I would say if you can't find me, you're doing something wrong.

We are everywhere.

And there you guys have it.

Make sure to take care of yourself.

Make sure to actually take advantage of that free community, guys.

Over 20,000 members, you're going to get all the resources, all the information for free.

I mean, dude, wealth of knowledge.

He knows what he's doing.

He's been able to get funding for $1.1 million, dude.

That's the highest I've ever heard.

Yeah.

Ever, bro.

Yeah.

And I have an 827 credit score.

Boom.

There you guys have it.

So if you guys want to learn from the best of the best, you got Evan right here, founder of Let's Get Funded, guys.

Make sure to tune in on Spotify, Apple, and YouTube, guys.

Make sure to leave a five-star review on Spotify and make sure to share this with a family, friend, someone you care about, guys.

help them get some free funding OPM guys zero interest all right guys and we'll catch you on the next one thanks for listening up to the level up podcast if you enjoyed today's episode make sure to share with a family friend and everyone you know who's ready to level up leave a five star review on spotify apple podcast and wherever you tune in it really helps spreading the word and don't forget to check out officialpawalex.com for more episodes and resources to kickstart your journey let's level up together