SDL Financial Group

10/06/2025

Available Now!
This home is located in the heart of historic Adair Park one of Atlanta most desirable, walkable neighborhoods. Perfectly positioned just steps across from the Westside Beltline trail, only minutes away from Beltline restaurants and outdoor entertainment.

07/31/2025

We don’t just manage properties — we maximize potential.

💼 Your trusted team for short-term rentals & property management.
📍 More beautiful listings are on the horizon.

Stay tuned!

07/22/2025

💼 Business Funding Tips You Need to Know 💼

🔑 Get your credit profile fund-ready and boost your approval odds!

🔹 Limit Inquiries – Too many inquiries? That’s a red flag. Aim for zero when applying for funding. Dispute and remove unnecessary pulls from your credit report.

🔹 Name Matters – Multiple aliases on your credit report? Only the name on your government-issued ID should appear. Clean up any discrepancies.

🔹 Thin Profile – Longevity doesn’t equal strength. A long credit history with minimal accounts won’t get you far. Lenders need depth to assess risk.

🔹 Low Limits = No Funding – If none of your credit lines exceed $4,000, your approval chances drop—regardless of your score. Work on building your limits.

🔹 High Utilization = High Risk – Maxed out cards? That’s a deal-breaker. If you can’t pay it down, consider debt consolidation through lenders like SoFi. 0% utilization looks good to banks.

🔹 Too Many AUs – Authorized users won’t help much for business funding. Your score may look good, but it’s not based on your payment behavior. Limit AUs to 1 or 2.

🔹 Tradeline Trap – Buying tradelines? Read the fine print. If it falls off before your lender pulls your report again, your deal could be canceled—especially with SBA loans.

🔹 Low Income Projections – When self-reporting projected business income, don’t lowball. Many banks offer ~10% of your gross earnings in business credit. Think strategically.

🔹 Reality Check – Pull all 3 of your personal credit reports. If your score is under 700, everything else on your profile must be strong. Funders won’t burn bridges for weak applications. Ask for a financial strategy guide if needed.

🔹 Public Records Hurt – Bankruptcies, child support, etc., on your record? These crush funding chances. Review not just your major credit bureaus, but secondary ones too.

🧠 Moral of the story: Clean profile = clean funding. Let’s work smarter, not harder. Tap in, stay informed, and let’s build real wealth.

06/15/2025

Business Credit and Funding Tips 🤓

🟣Too many inquiries. Strive for no inquiries when going for funding. Get those things off your credit report.

🟣Too many aliases on your credit report. The name that should show is the one on your government issued ID.

🟣Thin profile. It doesn't matter how long you've had personal credit, if you don't have much to look at, there is nothing to gauge credit authority.

🟣Credit limits are low. If you have a fairly decent personal credit profile but none of your limits exceed $4,000, no funding.

🟣High utilization. If you cannot pay down your debt, you run a high risk of default in the banks/credit unions eyes. If you cannot pay down the debt, get a debt consolidation loan like Sofi. That loan will make your profile look much better showing credit cards at 0% utilization.

🟣Adding too many authorized users (AU's) will not help with business funding. Your score may look sweet but it's not based on how YOU pay your bills. Keep your AU's at no more than 1 or 2.

🟣Many people buy tradelines but do not read the fine print. How long will it stay on your report? If the bank/credit union runs your credit again, and that tradeline has blinked off, your deal is now canceled. (SBA loans)

🟣When self reporting the projected income of your business, many put an amount too low. Did you know that many lending institutions will start you off with a credit card, not a business line of credit (BLOC) and will offer you on average 10% of gross earnings. Project appropriately.

🟣Be in reality. Run your three personal credit bureaus and review your reports and scores. Less than 700 is not ideal so the rest of the profile must be strong. If the funder has nothing worthwhile to send to the bank, they aren't going to jeopardize their inside relationships with bankers and underwriters submitting deals that will not get approved. Ask for a financial guidance sheet to help everyone involved move toward getting you funding.

🟣Public record showing bankruptcy (BK), child support, etc. will cripple your chances on getting funding. Get copies of not only your personal credit bureaus, but of the secondary bureaus as well. Let's all stay in reality and make some money.

06/14/2025

Available Now! DM “Rental”

12/13/2024

Beneficial Ownership Filing

What is the Beneficial Ownership Information Report (BOIR)?
On January 1st, 2024, the Financial Crimes Enforcement Network (FinCEN) released the Corporate Transparency Act (CTA), requiring companies to report beneficial ownership details. All businesses are now required to submit this information in the form of a Beneficial Ownership Information Report (BOIR).

https://fincen.gov/

BOI Filing: Free & Easy Steps Every Business Owner Must Do FOR EVERY LLC YOU OWN...... Before the end of this year⬇️⬇️⬇️⬇️⬇️⬇️

Step 1: Gather the info you will need to file

Company name
Address
Tax ID number (EIN)

For the Owners and other admin:
(each person who owns or controls at least 25% of the company or has significant decision-making power) you will need:
Full name
Date of birth
Home address
A copy of their ID (like a driver’s license or passport)

Step 2: Visit the Official Website to file, ****not those emails you are getting from 3rd parties trying to charge you to go it for you.

Visit the website www.fincen.gov/boi

Step 3: Create or Log In to Your Account

New users click "Create Account" and follow the instructions to set it up.

Or, if you already have an account, log in.

Step 4: Enter the Company Info

You will need the company’s name, address, and Tax ID number.

Be sure that it matches the official state records.

Step 5: Add the Owners and Decision-Makers

For each person you will need to enter their full name, date of birth, and address.

You will also need to upload a copy of their ID.

Indicate their role in the company (owner, manager, etc.).

Step 6: Review Your Information

Review the details you’ve entered.
Fix any mistakes if needed before submitting

Step 7: Submit the Report

Click "Submit."
Save the confirmation email for your records.

A final rule implementing the beneficial ownership information reporting requirements of the Corporate Transparency Act (CTA) was issued in September 2022. These regulations go into effect on January 1, 2024. Beneficial ownership information will not be accepted prior to January 1, 2024.

12/04/2024

💥 Breaking News for Small Businesses on the upcoming FinCen requirement.

https://www.nfib.com/news-article/nfib-prevails-in-blocking-burdensome-beneficial-ownership-requirements-for-small-businesses/

NFIB applauds today’s decision in the case Texas Top Cop Shop, Inc., et al. v. Garland, et al. at the U.S. District Court for the Eastern District of Texas.

05/14/2023

02/10/2023

📣 Stay tuned for more properties in the pipeline 🎉🔥

02/06/2023

01/31/2023

https://www.eventbrite.com/e/sba-federal-small-business-certifications-workshop-webinar-tickets-429288412197

This is a SBA Webinar covering Federal Certifications for Small Business. WEBINAR

01/24/2023

Tax Tip❗

The adoption tax credit helps families with adoption-related expenses.

The adoption tax credit lets families who were in the adoption process during 2022 claim up to $14,890 in eligible adoption expenses for each eligible child.
Taxpayers can apply the credit to international, domestic, private and public foster care adoptions.

Who is considered an eligible child ❓
An eligible child is an individual who is under the age of 18 or is physically or mentally incapable of caring for themself.

Qualified expenses
Qualified adoption expenses include such things as:

☑️Adoption fees
☑️Court costs and legal fees
☑️Adoption related travel expenses like meals and lodging
☑️Other expenses directly related to the legal adoption of an eligible child.

Expenses may be deductible even if the taxpayer pays them before an eligible child is identified. For example, some future adoptive parents pay for a home study at the beginning of the adoption process. These parents can claim the fees as qualified adoption expenses.

Qualified adoption expenses do not include expenses that a taxpayer pays to adopt their spouse’s child. They may, however, include adoption expenses paid by a registered domestic partner if that partner lives in a state that allows a same-sex second parent or co-parent to adopt their partner's child.

✨We would love the opportunity to work with you. 👇🏾

https://www.cognitoforms.com/SDLFinancialGroup1/_2023SDLFinacialGroupClientIntakeForm