Episode Details

Evan Rugen says he accessed $1.65 million at 0% without providing tax returns or bank statements. In this Digital Social Hour episode, Sean Kelly sits down with Evan Rugen to discuss business credit, 0% funding, credit repair, international funding, real estate, SBA loans, remote teams, and how entrepreneurs can gain access to capital. Evan explains how promotional credit offers can be stacked across multiple banks, why a strong credit profile matters more than most people realize, and how funding can help business owners invest in marketing, payroll, real estate, or acquisitions. The conversation also covers building credit with an ITIN, helping international clients enter the American banking system, removing inaccurate negative items, avoiding common business credit mistakes, and why some popular online credit advice can hurt your chances of approval. Evan also shares how he built his finance community, why he prefers online businesses over real estate, and why access to capital can completely change someone’s options. CHAPTERS 0:00 How Evan Accessed $1.65 Million at 0% 0:31 Evan Rugen and the Business Funding Model 2:04 How 0% Promotional Funding Works 4:12 Credit Stacking, Real Estate, and Bank Approvals 7:18 Using an ITIN to Build Credit in America 10:04 International Clients and Six-Figure Funding 12:57 Remote Teams, Hiring, and Global Talent 14:40 Credit Repair, Consumer Laws, and Negative Items 18:12 College, Entrepreneurship, and Location Freedom 21:49 Building a Finance Community and Recurring Revenue 24:44 The Six Levels of Credit and Business Funding 27:09 SBA Loans, Bank Lines, and Funding Mistakes 30:04 Business Credit Myths and LexisNexis 32:18 Liquidating Credit Cards and Managing Risk 34:10 Wealth, Lifestyle, Basketball, and Final Advice WHAT YOU’LL LEARN 💳 How promotional 0% business funding works 🏦 Why entrepreneurs apply across multiple banks 📈 What makes a credit profile stronger 🌍 How international clients can build U.S. credit with an ITIN 🏠 Why access to capital matters in real estate ⚖️ How inaccurate credit items may be disputed 🚫 Which popular business credit tips can hurt approvals 💰 How bank lines compare with SBA loans 💻 Why Evan prefers location-independent businesses 📊 How he built recurring revenue through a finance community 🎙️ APPLY OR CONNECT 👉 Interested in being a guest? Apply here:https://www.digitalsocialhour.com/apply 📩 Business Inquiries & Sponsorships sean@digitalsocialhour.com 👤 GUEST Evan Rugen: https://www.instagram.com/boweryboi/?hl=en Start getting funded, join our community: https://www.skool.com/100k/about?ref=9fea08df13874fe69e6aa95dd3ca60e1 Credit Repair: https://ca.letsgetfunded.us/dsh-start?am_id=digitalsocialhour&affiliate_partner=Sean_Kelly 🎧 LISTEN TO THE PODCAST 🍏 Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 🎵 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 📸 Follow the Host Sean Kelly on Instagram: @seanmikekelly ⚠️ DISCLAIMER The views and opinions expressed by guests on Digital Social Hour are their own and do not necessarily reflect those of the host, Sean Kelly, or the Digital Social Hour team. This content is for informational and entertainment purposes only and is not individualized investment, tax, or financial advice. Digital Social Hour may receive compensation from sponsors identified in this content. Guests’ financial claims and predictions are their own. Digital Social Hour works with participants in sponsored media and stays compliant with Federal Communications Commission (FCC) regulations regarding sponsored media. Evan Rugne paid Digital Social Hour for promotional participation and distribution associated with this episode. The opinions expressed are the participant’s own. The host and producers are not responsible for statements, claims, or opinions shared by guests during the show. This content is intended for informational and entertainment purposes only and should not be