The Steve Harvey Morning Show5 Syys 2024

Entrepreneur: Easy to apply for Nationwide SBA loans for underserved minority small businesses through Arkansas Capital Corp.

Two-time Emmy and three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Craig Calafati. The Executive Vice President and Director of Lending for Arkansas Capital Corporation, Arkansas Capital Corporation. A community development finance company that was chosen by SBA to receive one of the three new SBLC licenses and now offers flexible capital solutions nationwide to small businesses and entrepreneurs in underserved minority communities.

Company Description *
Arkansas Capital Corporation (ACC) is a private, nonprofit lending corporation dedicated to empowering entrepreneurs in Arkansas and surrounding states. ACC offers flexible capital solutions to meet the unique needs of entrepreneurs, small businesses, and economic and community development projects, emphasizing serving low-income, minority, and rural communities. Since 1957, ACC has partnered with commercial banks, government agencies, and others at local, state, regional, and national levels to deploy over $2.34 billion in capital financing.

Talking Points/Questions *
Talking points:

If you don’t have a Business Plan you will not be successful.

What is the purpose of Arkansas Capital Corporation?

The SBA does not lend money. Instead, it provides guarantees so lenders are more inclined to lend money to small business owners.

Small business owners should establish a line of credit with immediate access - especially for small businesses with payroll employees.

Aspiring entrepreneurs are encouraged to spend time with entrepreneurs who are already operating a successful business in your area of interest to gain valuable insights.

Small business owners should always know how much money they need before speaking with a lender. #SHMS, #STRAW

Support the show: https://www.steveharveyfm.com/

See omnystudio.com/listener for privacy information.

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Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Joaquin Wallace. 🎯 Purpose of the Interview To explore Dr. Wallace’s groundbreaking work in financial literacy, particularly his concept of the “financial genetic code”, and to promote his book Generational Wealth Begins with Generational Knowledge. The interview aims to empower marginalized communities with tools for financial healing, literacy, and long-term wealth building. 🗝️ Key Takeaways 1. Background & Recognition Dr. Wallace is a recipient of the Wells Fargo Living History Makers Award. Featured in the Contemporary Black Biography series. Former college basketball coach and educator with a strong focus on discipline and mentorship. 2. Seven-Stage Generational Wealth Model Outlined in his book, the model includes: Internal/External Ecosystem – influences from family, community, and environment. Financial Genetic Code – inherited financial narratives and behaviors. Financial Healing – reprogramming harmful financial habits. Financial Edification – literacy and inclusion. Financial Well-being – stability and health. Generational Knowledge – estate planning, insurance, long-term care. Generational Wealth – successful transfer of assets. “Without financial well-being, there is no generational wealth.” 3. Financial Genetic Code A trademarked concept by Dr. Wallace. Unlike DNA, it can be rewritten through education and therapy. Influenced by early experiences, family habits, and community norms. Examples include “scar tissue narratives” (trauma from past financial events). 4. Credit & Financial Literacy Credit score is critical but misunderstood. Utilization rate should be under 30%. Payment history and inquiries significantly affect scores. Many people are unaware of the difference between consumer scores and business scores. 5. Barriers to Financial Growth Lack of trust in financial systems due to past trauma. Misinformation passed down from family and community. Zip codes and overleveraging can impact loan approvals. Financial professionals may unknowingly transfer their own biases to clients. 6. Role of Financial Professionals Dr. Wallace identifies five key roles: Financial Educator Financial Counselor Financial Therapist Financial Advisor Financial Planner He emphasizes matching individuals with the right professional based on their needs and emotional readiness. 7. Book Insights Generational Wealth Begins with Generational Knowledge is an Amazon bestseller. Includes self-assessments after each chapter. Designed for both professionals and everyday readers. Encourages readers to identify their financial stage and take actionable steps. 💬 Notable Quotes “You are your credit score.” “Inherited financial narratives create encoded financial behaviors.” “Any answer sounds correct if you don’t ask the right question.” “Consistency creates consistent outcomes.” “Financial literacy is not the end-all—it’s just one piece of the puzzle.” “We do what we know. If we don’t know, we just continue to do.” 📌 Final Thoughts Dr. Joaquin Wallace offers a transformative framework for understanding and improving financial behavior, especially in underserved communities. His concept of the financial genetic code bridges psychology, education, and economics, making financial wellness more accessible and actionable. #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

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