E268 The Financial Habits That Help Child Care Businesses Grow with Thomas Fernandez

Debt can either become a powerful tool for growth or one of the biggest mistakes a child care business owner makes. In this episode of the Child Care Genius Podcast, Brian sits down with Child Care Genius CFO Thomas Fernandez for a practical and eye-opening conversation about borrowing money, building wealth, and making smart financial decisions in business. Tune in as they discuss the difference between smart debt and dangerous debt, why leveraging other people's money can help accelerate growth, and how to avoid common financial traps that hold owners back. Listen in as Brian and Thomas break down the importance of building strong banking relationships, preparing yourself financially before applying for a loan, and understanding what lenders are really looking for when evaluating your business. They also talk about personal financial statements, business credit, down payments, credit scores, and why understanding your numbers is one of the most important leadership skills you can develop as an owner. Join us for a real-world conversation filled with practical advice, relatable stories, and encouragement for both new and experienced child care entrepreneurs. Whether you're hoping to buy your first center, invest in real estate, expand your business, or simply improve your financial confidence, this episode offers valuable insight to help you think differently about money, lending, and long-term growth. Mentioned in this episode: GET TICKETS to the Child Care Genius LEVERAGE Conference:  https://childcaregenius.com/leverage    Need help with your child care marketing? Reach out! At Child Care Genius Marketing we offer website development, hosting, and security, Google Ads creation and management, done for you social media ads management. For social media content we have the Genius Box, which is a monthly subscription chock full of social media & blog content, as well as a new monthly lead magnet every month! Learn more at Child Care Genius Marketing. https://childcaregenius.com/marketing-solutions/  Schedule a no obligation call to learn more about how we can partner together to ignite your marketing efforts.   If you need help in your child care business, consider joining our coaching programs at Child Care Genius University. Learn More Here. https://childcaregenius.com/university   Connect with us:  Child Care Genius Website Like us on Facebook Join our Owners Only Private Mastermind Group on Facebook    Join our Child Care Mindset Facebook Group Follow Us on Instagram Connect with us on LinkedIn Subscribe to our YouTube Channel Buy our Books Check out our Free Resources