Cash Flow Is Why Businesses Struggle - The 0% Loan Strategy That Eases the Stress

If you wait until you NEED money… you’ll get the worst money.

In the first Stop Working Broke episode of 2026, Chad Murray sits down with his funding partner Mike Farrell (MJF Funding Solutions) to break down how business owners can access revolving 0% APR business credit lines and even $50K–$250K in startup capital (often 12–18 months at 0%) — without getting trapped in predatory loans or merchant cash advances.

They cover how business funding actually works, why banks reject most owners, how smart businesses use “other people’s money,” and how credit can often be improved faster than people think — so you can get positioned to scale, not scramble.

What you’ll learn:
-Why the worst time to get funding is when you “need it”
-How 0% business credit lines work (and why banks offer them)
-The “1% minimum payment” advantage on revolving credit
-How to avoid merchant cash advance traps
-Funding strategies for startups AND established businesses
-Credit repair paths that can make you fundable again

Next step: Apply first (soft pull). If you’re declined, Chad and Mike will help map the credit-fix path so you can get funded the right way.

👉 Click to Apply

Chapters:
00:00 – Why this episode matters
05:00 – What MJF Funding Solutions actually does
12:00 – The funding trap: “money when you need it”
20:00 – 0% credit lines for startups (pre-revenue)
30:00 – Using credit correctly to scale (not survive)
45:00 – How credit repair can work fast
55:00 – Fees, rewards, and why it’s real
1:05:00 – Final warning: banks lend when it’s sunny

Before you go, if this episode hit home and you’re tired of running your business under constant financial pressure, here’s how to take the next step.

👉 Book a call with me


If you’ve got questions, want clarity, or need help figuring out your next move, that’s the place to start.

📩 Email:
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And if this podcast helped you, do me a favor — subscribe, leave a review, and share it with another business owner who’s stuck in the same cash-flow stress loop.

This is the Stop Working Broke Podcast — where we help you build a business that actually works for your life.

I’ll see you next week.