Raising Private Money with Jay Conner
Are you a real estate investor who’s tired of missing out on deals because you don’t have the money to fund them? Maybe you’re just starting in real estate, overwhelmed by all the conflicting advice, and wondering how to break through.
Or you’ve done a few deals, but your business feels more like a hobby than a reliable source of income. If you’re struggling to take your real estate business to the next level, this show is for you.
Welcome to The Private Money Show with Jay Conner, where we cut through the noise to give you the truth about real estate investing—and the tools you need to succeed. Most investors lose out on 87% of real estate deals simply because they don’t have access to the money to fund them. But what if you could change that? What if you could fund every deal you wanted, eliminate your competition, and grow your business faster than you ever thought possible?
Each week, Jay Conner—the Private Money Authority—shares exactly how to raise private money to fund your deals, close more opportunities, and build a thriving, consistent real estate business. Jay has been in the trenches of real estate investing full-time since 2003, and he’s still doing it every day. He knows what works, what doesn’t, and how to help you stop chasing bad advice from so-called “gurus” who haven’t done a deal in years.
In every episode, you’ll learn:
- How to find and raise private money to fund your real estate deals on YOUR terms (no banks, no hard money lenders).
- Strategies for creating consistent deal flow and turning your investing business into a reliable source of income.
- How to structure deals with private lenders and create win-win relationships that benefit everyone involved.
- Real-world, step-by-step advice from investors who’ve been where you are and completely changed their game using private money.
This isn’t theory or fluff. It’s the real deal. Jay and his guests break down real-world deals, showing you the numbers, the challenges, and the solutions, so you can see how to apply these lessons to your own business. Whether you’re brand new to real estate, struggling to find consistency, or a seasoned investor looking to scale, this show is your blueprint for success.
Why Listen to This Show?
Because it’s not just about making money—it’s about building something bigger than yourself. Jay believes real estate is a tool not only to create wealth but also to make an impact. This show is for real estate investors who want to leave a legacy, help others, and give back to their communities. It’s for people who know that success isn’t just about the bottom line—it’s about what you do with it.
If you’re ready to stop spinning your wheels, stop missing out on deals, and start building a business that gives you freedom and fulfillment, you’ve found your tribe. Imagine what your life could look like with unlimited access to private money. Imagine the deals you could close, the income you could create, and the impact you could make—not just for yourself, but for others.
This is your moment. This is the Private Money Show.
Tune in now, and let’s get started.
Raising Private Money with Jay Conner
How to Secure $100K+ at 0% Interest: Strategies From Patrick Pychynski and Jay Conner
Imagine getting access to $100,000—maybe even half a million dollars—of zero-interest capital for your business. No more draining savings, giving up equity, or risking your credit. Sounds too good to be true?
Not if you ask Patrick Pychynski, the proud US Marine veteran behind Stacking Capital, and a funding expert who’s helped over 300 business owners secure more than $17 million in zero-interest business credit.
On the “Raising Private Money” podcast hosted by Jay Conner, Patrick digs into the details of his unique approach, blending Marine Corps discipline with strategic finance. Here’s a closer look at the key insights from their conversation, and how you can apply these lessons to scale your own business—without the usual roadblocks.
Bankable Businesses: The Overlooked Asset
Patrick’s philosophy is simple: Your business is an asset, but most entrepreneurs don’t treat it that way. While real estate investors are accustomed to leveraging property for loans, Patrick points out that a well-structured business can open doors to significant, unsecured credit—if you know how to play the game.
He identifies four critical “legs” to making your company truly bankable:
- Lender Compliance: This involves ensuring that all information about your business—such as addresses, phone numbers, websites, and emails—is consistent across all relevant documents. Even small inconsistencies can flag your business for denial. For instance, using a PO box instead of a physical address or relying on a generic Gmail business email are pitfalls to avoid.
- Building Business Credit: Just as you have a personal credit score, your business needs robust credit profiles across bureaus like Dun & Bradstreet. Patrick suggests aiming for a FICO SBSS score of 160+ and a 70+ score across other bureaus.
- Financial Trade Lines: Don’t just open accounts for office supplies—seek true financial trade lines that reflect your company’s ability to handle and manage credit responsibly. Patrick recommends securing 10-15 such lines to mirror the scale of financing you hope to obtain.
- Bank Ratings: At least $10,000 as an average daily balance in your business account over the last 90 days shows you have the financial chops for serious funding.
Most businesses slip up on at least one of these points, which keeps them locked out of prime financing.
Zero-Percent Capital: The Credit Stacking Method
Patrick’s “credit stacking” approach isn’t a get-rich-quick scheme—it’s about working the system legally and smartly. By applying for multiple business credit cards with zero-percent introductory rates across different banks in a short timeframe (ideally with the help of relationship bankers instead of faceless online systems), you can maximize your available credit while minimizing risk.
Key steps Patrick recommends include:
- Optimize Personal Credit: Start with a strong foundation—700+ FICO score, low utilization, no delinquencies or stale collections.
- Leverage Relationships: Whenever possible, go into the branch and work with a relationship manager. Not only can they advocate for higher limits, but they’ll also often walk your application through manual underwriting—a step up from online algorithms.
- Plan for the Long Game: Don’t stack credit just for a short-term win. Have a clear plan for managing (and replenishing) your capital, optimizing your business’s bankability, and preparing for your next round of funding.
Marine Corps Discipline Meets Financial Chess
What sets Patrick apart isn’t just his technical grasp of credit; it’s the dedication and integrity he brings from his military service. His guiding principle, “Leave the place better than you found it,” carries through to every client engagement. Patrick and his team at Stacking Capital advocate for clients, guiding them through c