The Fundability™ Podcast

We’ve all heard of the terms “quality of life” and “standard of living” get thrown around. Sometimes, without knowing it, we sell ourselves short, thinking one is more important than the other. In this episode, Merrill Chandler takes a look at both of these and reveals why we are selling our soul to one instead of embracing the other. He shares some more quality to life secrets worth 50 years of h...

This year is nearing its end and whether you’ve been rocking it or not, next year is going to be an amazing opportunity to bounce back or bound even further. How healthy is your business now? Are you ready for the new year? Merrill Chandler takes the time to share some simple things that you can do to make sure that you’re starting 2021 strong and fundable. Do you think you’re up to it? You wouldn...

Part of our human nature is we tend to convert a gift and make it an entitlement. When we keep receiving a gift and have come to expect it, we get disappointed or even demonstrate aggressive behavior when those expectations are not met. We become petulant and angry when we don't get our way. On today’s podcast, Merrill Chandler dives into when gifts become entitlements, and what it has to do with...

Getting a business credit card is a lot more than what many think about. Without knowing it, you may have already stepped on multiple landmines that ruin your chance of getting one, or if you did, then you may have gotten one wrong. In this episode, Merrill Chandler reveals the seven ways in which you may have miscalculated getting business credit cards and what you can do about it and go from the...

The world is moving fast, and if you don’t catch up with it, you’ll end up naturally falling behind. The same way with fundability, you need to get up to date with what is going on because, without you knowing it, you just might be following strategies and relying on information that doesn't work anymore. In this episode, Merrill Chandler talks about the old paradigm, what people still believe, fo...

Even the best people in the business need some help to get their processes right and make sure they are not losing. Merrill Chandler also has his own magic maker, someone who has helped him in more ways than one to do everything right and efficiently. In this episode, he brings over to the show  Jack Kiley  of  MidAtlantic IRA  to help you get maximum leverage in real estate an...

This year seemed to be so long that would you believe we are now nearing the end of 2020? Before it catches up to us, start preparing the right things to make sure you’re making fundable decisions that will protect your fundability in the years to come. To help you with that, Merrill Chandler welcomes you to the three-part Year-End Business Planning series. Kicking it off, he discusses how to use...

Student loans are designed to help students pay for post-secondary education and the associated fees. It can come from the federal government, from private sources such as a financial institution or a bank, or from other organizations. Today, Merrill Chandler shares how student loans contribute to your fundability and your entire borrower profile, as well as a good installment loan portfolio. More...

Have you received an email from FICO about its black market website surveillance service? What does it mean? Should you be worried about someone in the dark net using your identity to set up fraudulent accounts or transactions? You shouldn’t have to, if you know how to set your PBID properly, that is. Merrill Chandler explains how you can do this and directs you to some useful resources that can h...

What do banking relationships and romantic relationships have in common? You’d be surprised to know how being fundable is, in a lot of ways, being dateable. Join Merrill Chandler as he finally gets into a full discussion of a metaphor that he has been using over the years. From checking out prospects, to dating and courtship, getting engaged and getting committed, banking relationships are all abo...

In the world of fraudulent applications and stolen identities, one of the things that the credit bureaus and lenders have put into place is a security freeze. It’s when they put a freeze on your credit profile if there’s been some fraudulent activity or somebody opened an account in your name. In this episode, Merrill Chandler goes over what a security freeze looks like and teaches us how to freez...

There is no shortage of financial literacy resources out there, but do they really teach you what you need to know if you’re looking to get fundable as a borrower, especially in these tough times? In this episode, you’ll find out that there is a vast difference between what we consider to be financial literacy and what borrower education really should be. Join Merrill Chandler as he analyzes some...

Getting a loan from a bank? You might want to look at their UCC lien policy first. What is a UCC lien and how does it affect your fundability? In this episode, Merrill Chandler takes a deep dive into the definition of UCC liens, how they can destroy your chances of being fundable and what you can do to fix it. He also teaches you where to look for UCC liens in some of the biggest credit reports. T...

We all have a creative side and a strategic side, and most of us tend to veer towards one or the other. To really succeed, however is to get in that place of genius, and genius all about being a creative strategist. What is a creative strategist, exactly? In this 100th episode of the Get Fundable! Podcast, Merrill Chandler pivots from the tactical approach of the last 99 episodes and takes a minut...

As we move through the stages of growth, we sometimes fall into the shiny objects trap. We chase the shiniest thing in front of us that we forget about where we want to go in the first place. If you are ready to take borrowing to the next level, then you better learn how to ramp up your fundability while also keeping your vision intact. Merrill Chandler and his guest,  Mark Dolfini , the foun...

There is a new lender playbook that is radically different than any other recession or depression in the past – a new financial data that is completely opposite of what has ever existed in the past. In fact, there are attitudes being expressed by lenders and by borrowers that have never existed before at the same time. On today’s show, Merrill Chandler takes a closer look at these paradoxes that e...

Getting a mortgage is painstaking work, but with the right broker at your side, things can be made so much easier. Today’s guest explains why it is essential to ask your mortgage broker some brutally honest questions so that you can work towards a win-win setup. Joining Merrill Chandler on the podcast is  Jennifer Hammond , a real estate executive at  TTR Sotheby’s  and talk show ho...

When you get onboard into a marital relationship with someone, it only makes sense to have joint accounts, right? Wrong. As it turns out, there is absolutely no reason for a joint account, especially around revolving credit, and having one can cause you serious problems in the future. In this episode, Merrill Chandler talks about how divorce, death, and disability impact your relationship with you...

It is so easy to think about freedom in the context of being able to do whatever we want. However, it is so much more than that. Merrill Chandler breaks the truth to us about what it takes to create freedom, particularly the freedom to masterfully create anything you want. He goes philosophical and talks about its relation to building up that competence and confidence and learning to express ourse...

One area for concern when trying to improve your credit score is a mortgage late report from your lenders. In this episode, Merrill Chandler has you covered on how a 30-day mortgage late will affect you. How does it affect the score? How long does it take to recoup? Merrill gets into those questions and gives you an answer while giving you a view on the degradation process, short sale, foreclosure...

The so-called “new normal” in the wake of the COVID-19 pandemic is hotly debated among people all over the world. As is natural, people have varying visions of how we should recover and recuperate. Still, the main sentiment that runs through all these opposing ideologies is that we have to move forward somehow. Merrill Chandler shares what he believes the new normal should be post-COVID-19. We mig...

Most business owners are of the belief that whatever goes on in their business should stay under wraps—the only people privy to the information being within the company. But that approach has some severe drawbacks when it comes to your finances, and with the need for many small businesses to take out loans, sooner or later, your company will have to bare it all. Merrill Chandler is joined by Tom H...

One of the ways people who are new to a certain field or industry can do to become successful is to take advice from those who have been around the block and know the ropes. But where do you draw the line between taking advice and listening to the voice inside of you? Merrill Chandler teaches you how to determine when taking advice, whether about fundability or not, from someone else is the best p...

There is always a beautiful version of yourself. Discovering it may be a challenge but can be worth your time and effort. Merrill Chandler takes us into an emotional realization of seeing the light in these dark times. Those experiences where limitations create new and greater opportunities. In this episode, Merrill reminds us of the opportunities we have despite the global financial crisis. He be...

How can you improve your game as a professional borrower? The answer lies in using the right inquiries. In this episode, Merrill Chandler talks about inquiries and how they affect your score and fundability. During this financial crisis, inquiries can also greatly affect how you run and grow your business. Merrill highlights FICO’s de-duping method and the different phases and kinds of inquiries t...