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Author Jose Whitner

Jose Whitner

Clear Financial Concepts is a North Carolina-based consultancy developed for the express purpose of helping other improve their financial situations. Founder and CEO Jose M. "Whit" Whitner has guided hundreds of individuals and small businesses through the complex world of financial management, including credit repair, bankruptcy recovery, foreclosure, real estate investing, and more. Prior to starting CFC, Mr. Whitner worked as a Mortgage Broker/Loan Officer and consultant for several mortgage companies and successfully operated his own mortgage company for more than six years. His personal financial journey has traversed many peaks and valleys, and it is this experience that drives his passion for helping others who are under financial stress. Through Clear Financial Concepts, Mr. Whitner offers an ironclad system to help you maximize your financial strengths and overcome the weaknesses. Mr. Whitner has been married for 23 years to his beautiful wife and has 3 awesome children.

Eight Funding “Gotchas” That Can Sink Your Business

Jose Whitner
All business owners need to access funding and lines of credit to grow their business. YET OVER 90% OF SMALL BUSINESS LOAN APPLICATIONS ARE REJECTED BY THE LENDER -- causing half of new businesses to fail in ... See More...

What is Business Credibility and Why Should Business Owners Care?

Jose Whitner
Successfully gaining access to business funding is not just about being qualified, it is also very much about being ready to apply. Many business owners are qualified, but still get declined because they simp... See More...

Four Key Secrets to Funding Your Business

Jose Whitner
by Jose Whitner Each year, over one million new businesses incorporate, yet 9 out of 10 of these businesses will fail in the first five years. The leading cause of this business failure is the lack of preparat... See More...

How to Avoid Destroying Your Personal Credit While Starting a New Business

Jose Whitner
by Jose Whitner Most new business owners blindly leverage their personal credit to finance their business. The typical start up small business is capitalized with savings, retirement accounts, friends and fa... See More...

Understanding the Benefits of Business Credit

Jose Whitner
Many business owners ask themselves why they should invest their time and money to build business credit. The answer most receive is so they can quickly access cash and vendor credit without affecting their per... See More...
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