Robbie | Small Biz Funding @therealrobbiep Twitter profile

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Robbie | Small Biz Funding

2 months

I’m 100% on board with the ETA crew. Amazing opportunity. But sometimes I feel like SMB X is 90% searchers (pre and post acquisition) Who are my people on here who started from scratch? Who are the best follows? 👇

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@mhp_guy BOA sucks. The banking system as a whole has so many checks and balances and regulation that it creates a lot of seemingly unnecessary frustrations for customers. But with that said, BOA is one of the worst in my experience

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Robbie | Small Biz Funding

@therealrobbiep

25 days

@Mikethelummox If you have it in writing that you can then yes. If you don’t, I’d recommend adding that language to your agreements. Something to the tune of you being able to charge his payment method on file if payment hasn’t been made in X number of days.

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Robbie | Small Biz Funding

@therealrobbiep

4 months

The media business is fascinating. @barstoolsports joining @rumblevideo is another example of creators leaving @YouTube Akin to @joerogan deal with Spotify. YouTube is still king, but for how long? There’s plenty of examples of market leaders failing due to a lack of…

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Robbie | Small Biz Funding

@therealrobbiep

4 months

Working with a company right now. Check out these numbers. Owner’s age: 27 Owner’s income: $1.4mm Owner’s credit score: 807 2023 Revenue: $135mm 2023 EBITDA: $5m+ Industry: Fintech Company age: 3 years All numbers verified Found a niche. Blew it up. Not venture backed. This…

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@SullyBusiness What’s crazy is I feel like most people wouldn’t call $55k/yr “moderately well” anymore. Has to be a two income household? And this is zero knock on your friend or your comment, more so a reflection of the ever increasing costs of living every year.

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@MalcolmJess Very unlikely to work. Political opinions are rooted in morals and core values. If someone is polar opposite politically, there’s a really good chance they have different core values than you do, which wouldn’t work.

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@patrickbetdavid I think we’re going to see a shift back to normal over the next decade or two. This isn’t sustainable and I truly believe we will self-correct

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@bennyjohnson Vivek articulates ideas arguably better than anyone I’ve seen in politics in a long time. Very well done

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Robbie | Small Biz Funding

@therealrobbiep

7 months

@mhp_guy I love Crumbl cookies, but their revenues and profits are down significantly all over the country currently. Combination of economic times and stores being placed really close together are affecting stores all over. I know several Crumbl owners and they are all saying the…

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@creromans I believe the comp plan for sales reps should be that the top 5% performing reps can make more than the owner of an SMB. It’s the only way.

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Robbie | Small Biz Funding

@therealrobbiep

6 months

@LombardiHimself Good thing salary cap is imaginary

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@RobertMSterling People fail to see this for what it is. A historically significant period in this country’s history. We will be feeling the effects of this for generations to come.

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@Budgetdog_ Who has ever made the claim that points make you wealthy? Nobody says that.

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@mikepantile @SaveYourSons So these parents are awful and I’m not sure what the point was of this video. With that said, I think there’s a right way to make them spread their own wings. At 18 I went to college and had to fund everything. Parents didn’t help with anything because they literally…

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@SullyBusiness 98%. Tell me you’re inexperienced in business without telling me you’re inexperienced in business.

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Robbie | Small Biz Funding

@therealrobbiep

1 year

@SaaSWiz I used to sell pest control door to door. The rule was I'd always start my price 50% higher than everyone else, because they needed to feel like they worked me. In the end, they'd be at 90%-100% of my average price but they were happy because they "beat me".

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@IAPolls2022 Literally this Twitter poll has more responses than your poll

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@MarioNawfal Lol not gonna lie, I'd never heard of her before this. So her PR stunt worked 😂

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@TheBabylonBee Brussel Sprouts are the most underrated vegetable in America. Biden and Sprouts aren’t even in the same discussion.

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Robbie | Small Biz Funding

@therealrobbiep

2 months

I’m long Tampa Moved here 4 years ago and never looking back. I’ve already connected with a bunch, but who are the Tampa area business owners here on X?

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@collin_ruth89 I love being able to tip at restaurants. Tipping doesn’t exist in Europe. Go to any restaurant there and the service reflects that. No incentive to go above and beyond. I think more jobs should be paid on performance, not less.

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Robbie | Small Biz Funding

@therealrobbiep

7 months

@mhp_guy As someone who sold pest control for 7 years (4 summers for someone else, 3 summers for my own company), this is a very good and accurate rundown. The only thing I’d add is that the commission % is only half the story. A lot of these companies spend 70-80% of total first year…

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@patrickbetdavid One was his fault. 3 were bad luck or not his fault. Keep him in. Make him play through the adversity. He’s still the best QB to give the Niners a chance to win.

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Robbie | Small Biz Funding

@therealrobbiep

10 months

SMB Twitter. Got a company I’m looking at. $850k earnings. Fair multiple. All 13 vehicles in the business are over 10 years old. Most 2010-2013, some as old as 2002. 🚩? How do you account for this in your valuation?

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@marcelteloma Hahaha. So I respect the fact that he put that money up himself. But trying to play it off as a donation is hilarious

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@nypost Not guilty. Moving on.

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@Budgetdog_ 99% of those response say it’s to get free stuff, not to get wealthy. Has literally zero to do with getting wealthy. But I’m spending money anyway, why not get free flights?

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@ElijahSchaffer Ok I’m going to offend some people. Over $10k isn’t anywhere near financially secure.

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@krassenstein Damn this is nuts lol I give most people the benefit of the doubt. But this guy doesn’t seem like the kind of guy I’d like to grab drinks with.

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@krassenstein As a Florida republican who voted for him twice, this would have been absolutely egregious. Shoutout Ron Desantis for threatening to veto this.

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@SMB_DealGuy Absolutely. I’m not tipping you for doing the very basics. Not a lot of additional “customer experience” to add here

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Robbie | Small Biz Funding

@therealrobbiep

11 months

Dave Ramsey is going to hate this thread. But if you’re a business owner looking for a good business credit card (or several) then this thread is for you. Let’s dive in. Bookmark this mega thread for future reference🧵 👇 💳

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Robbie | Small Biz Funding

@therealrobbiep

7 months

People are often skeptical when they come to me for “working capital” under $150k and I tell them we’re going to focus on credit cards. Me: we can get you $100k in 0% CCs Them: CCs? No. I want a line of credit at 12% Me: ??

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Robbie | Small Biz Funding

@therealrobbiep

2 months

Hired first full time employee last week. Paid ads started yesterday. Several large deals set to close in March Pipeline more full than it’s ever been March should be our highest revenue month ever Entrepreneurship is fun when things start to line up

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Robbie | Small Biz Funding

@therealrobbiep

2 months

@meetmikehiggins $67k on pet care????? Dafuq? That a real number?

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Robbie | Small Biz Funding

@therealrobbiep

7 months

Getting a LOC for a portable toilet company. Old timer owner doesn’t know how to log into online banking to send me bank statements. Doesn’t know what Zoom is Still crushing it in business “I can drive a truck and make money, that’s what I know” There’s a lesson here

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Robbie | Small Biz Funding

@therealrobbiep

11 months

@WallStreetSilv It just makes the situation worse. Universities are essentially handed a blank check by the government. No matter how much tuition goes up, the government funds it.

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@mitchellvii Bill. My guy. It’s fine to change your mind. I don’t trust someone who NEVER changes their mind. It’s fine that you’re now backing Trump. I get the reasoning. But the way you completely did a 180 overnight and essentially calling out Desantis supporters screams inauthentic, and…

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@Stetson11QB Joint account. Never really understood the separate account argument. We each have an account with our “personal money”, but we technically both still have access to them. And it’s just fun money. Any day to day money or savings is all joint.

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@MedGold_ I mean the cart literally says “free” so…

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Robbie | Small Biz Funding

@therealrobbiep

8 months

Comment below and I’ll send you this for free. 50+ pages covering the following topics: - how to hack your credit score with funding in mind - what options are available with bad credit - how to get 0% financing - difference between no doc, low doc, full doc funding and why it…

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@Budgetdog_ 1. Parents need to spread the message to their kids that you just posted here 2. Stop federally subsidizing any student loans 3. Loans need to be underwritten based on average future earnings of graduates in the major you choose. A dance major shouldn’t qualify for anywhere…

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@MarketPalmer_ $325. Honestly I could have paid mine off several times but always took the cash and invested it into my businesses instead. Roi has been much better than paid down my loans.

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@sweatystartup Damn this is next level bait 😂😂

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Robbie | Small Biz Funding

@therealrobbiep

11 months

Anyone with a business doing $1m+ should never have to pay for a vacation again if they utilize credit card rewards the right way. Main points: - Use specific cards for specific categories - have a good “everyday spend” card with 2x points - don’t use Capital One

Nolan Gore | SMB Leadership Guy

@LeadershipAcad1

11 months

What’s the best small business credit card? I run a 6M residential landscaping company. - Buy a ton on Amazon. - vendors - recurring software - etc

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Robbie | Small Biz Funding

@therealrobbiep

9 months

Yes, you can buy a business with $0 (or near $0). 1. Find a good deal 2. Raise the equity based on the deal + the value you bring to the company 3. Clear six figures in income This has to be one of the most simple (not easy) ways to enter the 1%.

Ben Tiggelaar 🟠

@bentigg

9 months

I've been asked this a million times, so let me show you how to calculate the investor equity ownership in a potential self funded (SBA) deal OR put another away, how much you as the entrepreneur can retain when you put up 0% of your own money (100% of equity from investors) 3…

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Robbie | Small Biz Funding

@therealrobbiep

1 month

Owning a business means regulating your emotions. Quit riding the emotional rollercoaster. Don't get too high on the highs or too low on the lows. This was the number 1 thing I taught my sales guys in my time in door to door sales. Some days you may sell 10 deals. Some…

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Robbie | Small Biz Funding

@therealrobbiep

20 days

Currently doing a $2.3mm SBA loan for working capital, debt refi, and new store buildouts. - Started in 2021 - $10mm in annual revenue in 2023 - Will show strong cash flow once we refinance some of this high interest debt - Both owners in their mid 20s - Both owners still live…

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@robsmithonline Haven’t seen the movie (although my wife wants to haha) but I’ll 100% agree with you on losing the culture battle. Conservatives need to be proactive in creating culture and not just reacting to it.

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@SMB_Attorney A lot of those people won’t make it in entrepreneurship long term if that’s their main motivation.

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Robbie | Small Biz Funding

@therealrobbiep

7 months

I help businesses get lines of credit. “Can’t I just get a line of credit at my own bank?” Sure. But there’s a very good chance that there’s another bank that can approve you for higher amounts with less documentation. Here’s the process we go through to get you approved:

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Robbie | Small Biz Funding

@therealrobbiep

6 months

@jasrifootball People are so fast to toss out a player for having a couple bad games. He’s going to make mistakes. It’s part of the growth process in the NFL. Why do we expect him to be flawless when he doesn’t even have a full season of games under his belt? Yes he made mistakes. But…

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Robbie | Small Biz Funding

@therealrobbiep

8 months

Deals currently in the pipeline - $5m motel acquisition (collab with @AnonymousBanke8 ) - $800k debt consolidation + WC - $250k debt consolidation + WC - Multiple sub - $50k WC loans/LOCS - $1.7m business loan - roofing - $1.2m acquisition loan - GC Company - $50k startup LOC…

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Robbie | Small Biz Funding

@therealrobbiep

7 months

Just spoke with a business owner who is about 6 months into business. Had a 750 score. He’s since maxed out his personal credit cards $60k funding growth for his new startup. He now has a sub-650 score DON’T do this. Startups can get $50-$150k in business credit cards…

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@JoeyMannarinoUS You legit have never heard of them?

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Robbie | Small Biz Funding

@therealrobbiep

3 months

Hired someone full time today that I met on X. Rockstar. Some of you may know him. It’s crazy what this platform has done for my business.

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@shoveitjack @BillyBaldwin This comment gets the W

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Robbie | Small Biz Funding

@therealrobbiep

9 months

SMB crowd. Tell me why I shouldn’t do this deal. Outdoor kitchen construction business located 15 min from my house. - Off Market deal (owner reached out to me) - 2022 revenue: $1.3mm - 2022 earnings: $300k reported, $100k additional not on returns Asking price: $150k Asset…

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@DontscalebizGuy He’s bald now

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@mitchellvii As a Desantis guy myself, I don’t agree with this. If he hasn’t been convicted of inciting an insurrection, then this shouldn’t have been Colorado’s call to make. Also, Desantis needs to win outright, not because Trump is off the ballot or in prison. In my estimation,…

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Robbie | Small Biz Funding

@therealrobbiep

2 months

"Hey I need a loan can you just send me your entire lender list so I can reach out to them? And who's the best one in your opinion?" How about no

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@SMB_Attorney Bro 😂😂

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Robbie | Small Biz Funding

@therealrobbiep

4 months

If you’re a business owners that’s married with kids…. Theres a lot of advice you shouldn’t be taking from single entrepreneurs

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@patrickbetdavid Based on the replies I’ve gotten, I should clarify. It’s not going to get better without action. But I believe bad ideas will continue to get exposed and more and more people are going to realize that what we are doing now isn’t sustainable.

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Robbie | Small Biz Funding

@therealrobbiep

2 months

Closed! Actually $990,000 not $1mm but still. Pure working capital loan.

Robbie | Small Biz Funding

@therealrobbiep

2 months

Term sheet signed today for a $1mm working capital SBA loan. Rapidly growing film production co that has films on the major streaming platforms and is set to release a film in the box office later this year. Working with cool businesses is one of the best parts of what I do.

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Robbie | Small Biz Funding

@therealrobbiep

3 months

I have a strict no phone call policy after hours and on weekends. If it isn’t an emergency, don’t call me outside of business hours. I’m always available via text. But I’m not taking your call when I’m with my family unless it’s truly urgent. I spent the first part of my…

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@Chris_Carson82 @MattWalshBlog I’ve got no problem with you voting Trump. You seem like a reasonable person. Can you at least admit that 90% of the MAGA base IS blindly following Trump? In other words, in their eyes it’s impossible for him to do any wrong, and they’d ride with him no matter what. Agree?

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Robbie | Small Biz Funding

@therealrobbiep

11 months

@mitchellvii Throwing around the name RINO is just like the left called “racist” or “bigot”. It’s mud slinging when you don’t have any good arguments.

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Robbie | Small Biz Funding

@therealrobbiep

11 months

@TeamDeSantis @CaseyDeSantis He’s gonna love the White House

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Robbie | Small Biz Funding

@therealrobbiep

1 year

I help small business owners get funding to start or grow their companies. Here’s how I got here 👇👇 🧵

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Robbie | Small Biz Funding

@therealrobbiep

8 months

This is extremely underrated advice. When I started my first company (pest control) we actually weren’t cashflow positive at all by the time we sold it 2.5 years later. We werent cashflow positive because of the way we were growing (extremely expensive door to door sales). My…

Nick Huber

@sweatystartup

8 months

If you aren’t rich, every single business you start needs to be cashflow positive within two months. If it isn’t, go get a job working for somebody who knows how to make money or a rich person with a big idea. Sounds silly but this is why most people fail. Poor early decisions.

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@realpeteyb123 Blue hair?

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@ClintFiore Tampa, Fl I run @fund_arrow and I help business owners get access to funding. Whether it’s lines of credit, SBA, equipment loans, etc. Also currently searching for an SMB to acquire. DM me if you are looking for funding for your business, or if you just want to chat business!

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Robbie | Small Biz Funding

@therealrobbiep

10 months

Speed to lead! I'll show you how we guaranteed we'd call every lead within 60 seconds of receiving it when I owned my pest control company

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@Coach_Yac @xamtseeb Locker room is 1000% behind him. Love this clip.

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@SullyBusiness Build it into your pricing. Having it itemized on the invoice/receipt is a terrible idea. We never even thought about it. Cost of doing business. It was accounted for in our pricing strategy

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Robbie | Small Biz Funding

@therealrobbiep

4 months

@AustinLinney Company is 3 years old so they’ve been investing HEAVILY back into growth. Millions into tech development and strategic partnerships.

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Robbie | Small Biz Funding

@therealrobbiep

3 months

If you're buying a business with an SBA loan Please Do the loan with a lender who can also give you a line of credit to go with it

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@CaseyDeSantis I love how people are trying to use the rain as an attack on y’all 😂😂

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Robbie | Small Biz Funding

@therealrobbiep

7 months

@Exconvictguy Yes. For selling pest control services door to door. Not kidding. Got caught without a permit. Handcuffs, back of the cop car, the whole nine yards. Judge laughed when I told her why I was in her courtroom that day and told me “get out of here and don’t get caught next time”

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Robbie | Small Biz Funding

@therealrobbiep

2 months

Exhibited at a trade show last Thursday. Results: 30+ "hot leads" - aka yes I need funding in near/immediate future 70+ "warm leads" - I don't need it right now but stay in touch with me as I may in the coming months 45+ "referral partner leads" - accountants, bookkeepers,…

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Robbie | Small Biz Funding

@therealrobbiep

4 months

Here's your reminder: Get your line of credit set up BEFORE you need it. If you wait until: - You're in a cash crunch - Maxed out business credit cards - Missed a few payments, etc Then the chances of getting approved for what you want are much much less. I see this…

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Robbie | Small Biz Funding

@therealrobbiep

2 months

Term sheet signed today for a $1mm working capital SBA loan. Rapidly growing film production co that has films on the major streaming platforms and is set to release a film in the box office later this year. Working with cool businesses is one of the best parts of what I do.

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Robbie | Small Biz Funding

@therealrobbiep

6 months

For the first time since we launched, we have a client trying to not pay us. He owes us $8k. Sent him the invoice and he responded “Hey can you send me a new invoice for $5k instead? That would help me out” Um…. No Now he’s ghosting us. How would you handle this?

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Robbie | Small Biz Funding

@therealrobbiep

9 months

@ConservativaPol I think it’s absolutely lame that he isn’t going to participate in the debate. But from a strategic standpoint, his plan makes sense. I do think though that him not debating is a mistake because he won’t be able to respond to what other candidates say about him in real time

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@Codie_Sanchez I think Hybrid will be the prevailing model. I would much rather have it all in office. I like the environment much better for working. Office is for work and home is for everything else. I think in the short term though, fully remote companies have an advantage in hiring…

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Robbie | Small Biz Funding

@therealrobbiep

10 months

@reeseonable Laura is such an embarrassment. Attack Desantis on policy, sure. But this can’t be helping Trump’s cause right? How does she think this will help sway voters from Desantis to Trump? Ok I get it, the Trump base loves it. But what does this actually accomplish for undecided…

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Robbie | Small Biz Funding

@therealrobbiep

2 months

Me: Hey please send in your docs Client: will do soon Me one week later: Hey I still need the docs, have any questions? Client: No sorry I've been busy but I'll get to it Me one additional week later: Hey I'm not sure this will get done in time if we don't get this in today…

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Robbie | Small Biz Funding

@therealrobbiep

6 months

🚨 APPROVED! 🚨 - $180k Bank LOC Prime + 3.1% Interest only payments Top 15 Bank by size Very little revenue to report this year No documentation required for approval

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Robbie | Small Biz Funding

@therealrobbiep

8 months

@SMB_Attorney Say “I’d love to help. Let’s set up a 15 min call”. Send the link to your calendar. When they click on the link they see that you charge $xxx for the call. 90% of them won’t book. But the ones who do are serious and will probably be more accepting of the advice anyway.

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Robbie | Small Biz Funding

@therealrobbiep

11 months

@KenziesPoolBoy That’s a generously low number

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@MarioNawfal Imagine being a grown ass man and doing this

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@SMB_Attorney I love seeing stuff like this. Real impact

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Robbie | Small Biz Funding

@therealrobbiep

11 months

@realEstateTrent I think the scoring is a little too complicated and they penalize you for things they shouldn’t (like closing your oldest card), but the overall concept of the credit score still makes perfect sense and does more good than bad

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Robbie | Small Biz Funding

@therealrobbiep

10 months

Lots of money available to invest into deals. Just open up your DMs and connect with people. Trust me

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Robbie | Small Biz Funding

@therealrobbiep

5 months

@mitchellvii IF she ran, she’d be the most formidable candidate the Dems could put forth. Easily. But I don’t think she wants to run. There’s been zero indication of this. I’m sure they are courting her, but I don’t think she wants to do it

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Robbie | Small Biz Funding

@therealrobbiep

3 months

@BillieRaeBrandt Red pill is a vast over correction to feminism.

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Robbie | Small Biz Funding

@therealrobbiep

2 months

The community note 😂 I’m dying 💀 😭

EclipseTrades

@EclipseTrades

2 months

3 years ago I got kicked out of high school. Today, at 19 years old - I just closed on my $2.3 Million Miami home. Take. Risks. In. Life.

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Robbie | Small Biz Funding

@therealrobbiep

1 year

@shawngorham I used to sell pest control door to door for 4 summers before opening up my own company. Sales guys can make $250k+ in 4 months over the summer. And the companies can sell for 2-3x revenue or more.

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