63 \\ How to Use Personal vs. Business Credit Safely for Cash Flow and Tax Savings

In this episode, Tiffany answers a listener’s question about financing a new franchise: should you use personal credit or business credit for vehicles and operating expenses? She explains how to structure loans between yourself and your business, when to formalize a promissory note, how to reimburse yourself properly, and why building business credit early can save you headaches. Tiffany also warns about the tax pitfalls of using personal funds without documentation and offers practical ways to protect your credit score while keeping clean books. If you’re unsure how to manage cash flow without triggering tax issues, this episode will give you clear steps and smart strategies to handle financing the right way.

Next Steps:

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