Starting a business requires money, which usually comes from the pockets of the owners. But using personal credit cards and personal loans to build a business can be dangerous, as personal credit is limited, and the more you use it, the worse your score will be. But business credit works the opposite way: the more you use it, the more you can get. Boyd Karren of Otro Financial will walk you through the proper sequence for building business credit so your business can qualify for funds on its own, without your SS# or FICO score. When done right, banks end up going after you with low-cost or near-free financing offers. Our Presenter, Boyd Karren: Boyd is “a serial entrepreneur”. He loves the world of small business and believes deeply that small business ownership is the key to strong communities. Boyd has earned two master’s degrees in business: an MBA from Indiana University, and a Master of Global Management degree from the Thunderbird School of Global Management. He became a business loan broker and started Otro Financial after experiencing his own difficulties in finding funding for his small business opportunities. While living in Texas, Boyd had a “Field of Dreams moment” in which the voices in the corn told him to move to Florida, which he did, bringing Otro Financial with him. Boyd and his wife, Kristi, will celebrate 30 years of marriage this August. They are the parents of four children, and as of last August, they became empty nesters. He is loving this new phase of life while they wait semi-patiently for grandchildren. In his free time, you will find him and his wife enjoying tacos, road trips, or just sitting in chairs at the beach, relaxing.