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

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.Four childhood friends. 22 years. $12 billion deployed. And they're just getting started.He breaks down:1. Why four co-founders with egos can actually work — if you get this one thing right2. Why he would never take money or advice from someone he wouldn't put on his board3. How Cardiff is using AI to democratize small business lending before banks even wake up4. Why time is the only currency that matters — and how success finally taught him that5.The real reason most businesses rot from the inside — and the book that changed everythingFollow Will:🌐 cardiff.co🌐 williamstern.me🔗 LinkedIn: linkedin.com/in/williamsternTimecodes:00:00 Intro01:00 Cardiff — America's Favorite Small Business Lender02:45 Four Childhood Friends, One Company, 22 Years05:00 The Entourage Model of Business07:00 How to Eliminate Ego in a Partnership10:00 Why Cardiff Hired a Business Coach — and What Changed14:00 The Trillion Dollar Coach Story — Apple vs Google18:00 Cardiff's Mission — Democratizing Capital for Main Street21:00 Why Will Never Takes Money From People He Wouldn't Put on His Board24:00 $2.5 Billion Last Year — Where Cardiff Is Headed26:00 Why AI Is Changing Business Lending Before Banks React29:00 The Don Quixote Lesson Every Entrepreneur Needs to Hear32:00 Leadership & Self-Deception — The Book That Changed His Business36:00 From Chasing Materialism to Buying Back Time40:00 Why Time Is the Most Valuable Currency You Have44:00 The Stakeholder Philosophy That Powers Cardiff48:00 What Being 1% Means to Will52:00 How to Get Funded Through Cardiff01:04:00 How to Connect With WillSTAY CONNECTED:https://www.instagram.com/the1percent_podcast/https://www.facebook.com/the1percentpodcast/http://tiktok.com/@the1percent_podcastPodcastWANT TO CONNECT TO OUR HOST?Vin:Email: Vincentinfante.lifeInstagram: https://www.instagram.com/vin.infante/Shane:Email: [email protected] ON OTHER SITESSpotify: https://bit.ly/3HtT10CApple Podcast: https://bit.ly/3HtT10C