Trevor Fenner

Dropshipping is a credit card optimization problem disguised as a business model. The operational structure (pay for advertising to drive traffic, collect revenue from customers, pay suppliers after orders come in) creates a specific financial profile that almost no other business type replicates: high advertising spend, moderate shipping costs, significant software subscriptions, minimal inventory carrying

Forming an LLC is one of the most consequential financial decisions a small business owner makes. Then most LLC owners immediately undermine the liability protection it provides by continuing to mix personal and business expenses on the same credit card. The legal separation an LLC creates between personal assets and business liabilities exists on paper

Cash back is certain. Points are powerful. The difference between a business credit card that earns 2% cash back and one that earns 2x transferable points is not obvious until you understand what those points can actually do. On $200K in annual business spend, 2% cash back is $4,000. That same spend on a 2x

Business debt at 24% APR is a slow bleed. If you are carrying $20,000 on a maxed-out business credit card at that rate, you are paying $4,800 per year in interest before you touch principal. Move that balance to a 0% intro APR business balance transfer card for 12 to 18 billing cycles, pay a

Business cash back is the simplest possible reward structure. Every dollar you spend on the card generates a fixed percentage back in real money credited to your statement or deposited to your account. No transfer partners, no airline award charts, no expiring statement credits, no seat availability to hunt for. On $200K in annual business