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11 Entrepreneurs Who’ve Defied the Odds



Heading into 2020, I was enthralled to have been recognized as one of the world’s top five women fashion influencers and eagerly anticipated the launch of my BOLDTV series, featuring inaugural guest and New York Fashion Week creator Fern Mallis.

Fast forward to May 2020, and like millions of others around the world, I’ve transitioned to conducting business online. That’s meant interviewing prominent subjects remotely rather than in BOLD’s NYC studios before readying the shows for online visibility.

But there are so many entrepreneurs who have risen to the current challenge and found ways to keep their established brand or product in place, and in some cases soar even higher.

In no particular order of preference, here are 11 such individuals, each of whom has typified that determination to beat the odds in the face of an unimaginable obstacle.

Ashton Henry, Founder/CEO, Ashton Henry Financial

In a recent conversation, Henry told me he considers the pandemic both “a gift and a curse.” Before, his business relied on meetings and social interactions by a nationwide team of agents. But in recent weeks, he has taken a tactical approach by focusing on solutions, expanding his company’s reach with online webinars and meetings, consequently recording the largest growth in its history over the last four weeks.

Sergio Mariscal, Automobile Expert/Journalist

Mexican entrepreneur Mariscal has built a business around the auto industry, including test-driving cars and filming them for his weekly TV show. However, since television productions have shut down, funding has taken a hit. To adapt, he has had to turn to innovative ways to remain the authority in the auto-journalism world, such as repurposing older episodes of his show, conducting Zoom interviews for his audience and investing in new production equipment for his podcast.

Related: How 1 Franchise Company President Makes Better, Faster Decisions During Uncertain Times

Brian Armstrong, Co-Founder/CEO, Coinbase

In March of this year, as signs of an economic recession began to flourish, the San Francisco-based crypto exchange company witnessed a sudden surge of traffic, at one point processing more than $2 billion in volume in a span of 24 hours. Armstrong has stated that the reliability and scalability of systems are crucial in a volatile economy, underscoring how robust internal processes and engineering systems are the need of the hour.

Huy Nguyen, Founder/Owner, AMS ColdPro and Cargo Crew

Nguyen’s advice to any struggling business is to always to have a positive mindset. In his own words in a recent interview with Entrepreneur, he was hopeful that, “One day we will look back at 2020 and tell ourselves: If we made it through that, we could make it through anything.”

David Zhao, Managing Partner, NXT Group

Among NXT’s properties is the Mongolian restaurant chain Chubby Cattle, which has opted to move with the times by ordering the temporary closure of in-house dining. The business transformed its operations strategically across its locations in Philadelphia, Denver, Dallas and Las Vegas, now offering hot-pot delivery options in line with government-issued stay-at-home directives.

Ernesto Gaita, Co-Founder/Creative Director, Neighbourhood Creative

With current consumer behavior projected to affect business for everyone in the long-term, the company — led by Gaita — formed Brand without Border, offering essentials tools to startups and entrepreneurs, and launched a podcast to embed positivity among startups.

Mark Neilson, Regional Manager, American Income Life Insurace Co.

During the pandemic, it became uncertain how the San Francisco-based firm would adapt to virtual selling. The transition wasn’t 100 percent smooth, as the team had to initially work a whopping 12-15 hours a day. But that early commitment paid off, as Neilson’s agency recorded April as its most productive month ever, with more than $1 million in gross sales.

Chase Campbell, Founder/CEO, Size Up Apparel

The retail shutdown took an immediate toll on Campbell’s brick-and-mortar stores, which is why, in an interview, he shared that ecommerce is going to be even more crucial in the age of social distancing. “If it wasn’t for our ecommerce platform,” he says, “we would be in an unmanageable situation until we are allowed to reopen.”

Karishhma Mago, Founder/CEO, Facilius Inc. and Digital Nod

With people staying home, higher internet traffic has translated to more business for digital-age entrepreneurs like Mago. Specializing in augmenting online brand presence, Mago took the crisis as an opportunity to launch an affiliate program for agencies, slashing margins but enabling multi-fold growth to them and, in turn, to Facilius. The agency, based in Michigan, has seen revenues skyrocket, with the company cashing in more in April than all of Q1 combined.

Jeff Sekinger, CEO, 0 Percent

Sekinger’s started a partnership program that saw clients offer consulting services such as insurance and credit repair for free using the company’s existing team and marketing materials. The partners do business with their clients via a designated link and are paid a residual income. His clients have profited greatly from this partnership, which has become a lifeline for them and their families in these trying times.

Stephen Liao, President, SL Holdings Inc.

Millions of people are jobless and struggling financially at the moment. That is where Stephen Liao’s SL Holdings Inc. comes in. His offerings are growing increasingly popular, with people availing themselves of his consulting services to gain substantial knowledge on all things credit. Liao’s recommendation is that businesses explore different digital avenues, including varied social media platforms like Onlyfans and TikTok, where his earnings are clocking six-to-seven figures monthly.

Related: 5 Tips for Recognizing a Meaningful Business Opportunity When You See It

Hopefully, these examples offer some encouragement and guidance, and best of luck to everyone keeping their businesses, brands and aspirations alive.

11 Entrepreneurs Who’ve Defied the Odds
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Credit360’s Credit Repair Services Now Includes Full Credit Audit



One of the nation’s finest in personal and business credit solutions has expanded its services.

MIAMI, Nov. 25, 2020 /PRNewswire-PRWeb/ — Representatives with Credit360 announced today that its credit repair services now includes a full credit audit from the three credit bureaus, Equifax, TransUnion, and Experian.

“We’re very excited about this,” said Andre Coakley, Founder & CEO of Credit360, a company with an elite team of credit experts that know exactly what techniques will assist individuals and businesses with increasing their credit scores to meet their goals.

Features of the full credit audit include:

  • Full Credit Audit – Equifax, TransUnion, Experian

  • No Monthly Fees – Charged Only After Removal

  • Our Pricing Is Simple, Pay After Deletion

  • Advanced Tactic Disputes and Strategies

  • Comprehensive Credit Audit every 45 days

  • Unlimited credit items disputed for one year

  • 24/7 Online Portal Access from Smartphone

  • Free Coaching and Education

  • Assistance with Structuring Lines of Credit

  • Support with Card Spending and Tradeline Building

And more.

The company’s full credit audit offering comes on the heels of the Credit360 offering credit repair services in Orlando.

“We are very excited to now offer our life-changing credit repair services in Orlando,” Coakley said. “We are here to help you achieve your optimal credit profile by making the credit repair process convenient, individualized, and effective.”

Credit360’s specialized credit repair processes, credit expertise, and guaranteed customer service, company representatives say, make it the best in the industry.

Coakley explained that Credit360 has had the opportunity to help thousands of Americans correct their credit reports. In fact, Credit360, Coakley stressed, is a company that puts its money where its mouth is and only charges a fee when items are deleted, removed, or repaired from individuals’ credit reports.

“With our services, you will no longer have to use other expensive credit repair companies that charge monthly and don’t even produce results,” Coakley promised, before adding, “We are so confident in our advanced disputing tactics that we will allow you to pay for your deletions after you actually see our results and we even give you a 100 percent money-back guarantee to back it up just so you can relax.”

Coakley went on to reiterate that Credit360 is an elite team of credit experts that know exactly what techniques will assist customers with increasing their credit scores to meet their goals.

“With our services, most of our clients see deletions within the first 45 days of enrollment and usually see an average increase of 93 points throughout their program cycle,” Coakley said.

In addition, the company also recently launched its Business Credit Program.

“Our Business Credit Program works directly with small business owners to help them get approved for new business funding and business line of credit options,” Coakley said.

Coakley went on to note that the individual business credit record is the primary way that companies evaluate whether to do business with a particular company – and on what terms.

Business credit includes a variety of data points about your business, such as the date it started, the skills and experience of your top leaders, the number of employees, and annual sales. This type of information, Coakley noted, is listed in the business’ credit profile, along with scores and ratings that are derived from the business’ past behavior to predict its future behavior.

“We have relationships with a number of business financing institutions and know each of their individual requirements and criteria, so we can help you become eligible for the best business line of credit as quickly as possible,” Coakley revealed, before adding, “Don’t let a bad business credit score or other factors prevent you from gaining access to the business funding you need most.”

The types of credit that Credit 360 can help businesses access include:

  • Store Business Credit with Dell, Apple, Walmart, Amazon, Costco, Sam’s Club, BP, Chevron, Home Depot, Lowes, Staples, Office Depot, Ikea, and with most other major retailers.

  • Fleet Credit for fuel and auto vehicle repairs for your primary vehicle, and a fleet of commercial vehicles.

  • Cash Credit including Visa and MasterCard accounts you can use in most locations worldwide

  • Auto Vehicle Financing to purchase or lease your primary vehicle or a fleet of vehicles in your business.

For more information, please visit and

About Credit 360

Credit360 was established to assist individuals in restoring their personal credit and in offering a complete line of business credit solutions. Credit360 is a financial services firm specializing in credit restoration and business consulting services.

Contact Details:

Andre Coakley

10664 SW 186th Street
Miami, FL 33157

Phone: 305-235-4848

Source: Credit360 Credit Repair

Media Contact

Andre Coakley, Credit360 Credit Repair, +1 305-235-4848,

SOURCE Credit360 Credit Repair

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ACTION13: How to protect your credit score



HOUSTON, Texas (KTRK) — Unpaid credit card debt and missed mortgage payments are two of the biggest things that leave negative marks on your credit.

Credit Repair experts say the economic shutdowns are causing credit scores to fall for a lot of people.

One way to possibly stave off a hit to your credit is a through a forbearance.

A forbearance is where the lending agency agrees to let you pause your payments for a period of time, and it will not count against your credit.

This works for both credit cards and home mortgages.

But keep in mind, you have to be caught up on your debts to get a deferment. So, if you are going to miss a payment, reach out to your bank or lender sooner rather than later.

“Reach out to your bank. Work with your bank,” said Robert Pfister with 755 Credit Score. “Work it out. Banks usually help you when you reach out.”

755 Credit Score also says you can get a free consultation.

You can get a free copy of your credit report every year from the three credit reporting agencies Experian, Equifax and Transunion.

RELATED: You can boost your credit score with a few simple tips

Follow Jeff Ehling on Facebook, Twitter and Instagram.

Copyright © 2020 KTRK-TV. All Rights Reserved.

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Walters: California’s Vague New Financial Regulation Law



Assembly Bill 1864 didn’t get much media or public attention as it zipped through both houses of the Legislature on the last day of the 2020 session.

Superficially, it appeared merely to reconfigure the state’s financial regulatory agencies into a new entity called the Department of Financial Protection and Innovation.

Dan Walters


However, those in California’s vast financial industry were paying lots of attention because the bill creates an entirely new regulatory regime with broad powers, including fines of up to $1 million a day, to police financial players that hitherto have had little oversight.

The official rationale for the legislation is that President Donald Trump’s administration neutered the federal Dodd-Frank Wall Street Consumer Financial Protection Act of 2010, so the state must step in with an equivalent to guard against predatory financial practices that harm consumers.

The new California Consumer Financial Protection Law gives the reconstituted agency authority to go after “abusive practices” whose definition in the law is fairly vague. Thus, the agency itself will define the term as it also decides which businesses will face its scrutiny.

It appears that the new law will affect firms involved in debt settlement, credit repair, check cashing, rent-to-own contracts, payday lending, student loan servicing and financing for retail sales. However, its primary target seems to be financial services offered by non-banks, particularly what are called “fintech companies” that offer bank-like services via the Internet without maintaining physical offices.

The Vagueness of the New Law Was Encapsulated in What Gov. Gavin Newsom Said

Fintechs, many of them based in the San Francisco Bay Area, have blossomed in recent years as part of the digital economy, competing with traditional brick-and-mortar banks. Their disruptive nature is not unlike the challenge that technology-based ride services such as Uber and Lyft pose to taxicabs and buses.

Late-blooming changes in AB 1864 exempted traditional financial firms that are already regulated, such as banks and credit unions, from the new consumer protection law, leading some analysts to conclude that its unstated aim is to help them stave off competition from new kids on the financial block.

The vagueness of the new law was encapsulated in what Gov. Gavin Newsom said during a signing ceremony. The new law and the new department, he said, will “create conditions for innovation to flourish in a way where we can steward that and we can just work against its excesses. So we support risk-taking, not recklessness.”

Newsom also signed two other financial protection measures, one that requires debt collectors to be licensed beginning in 2022 and the other creating a Student Loan Borrower Bill of Rights.

A Question That Only Time Will Answer

Although the new state law is said to mirror the Dodd-Frank law, it contains at least one significant difference. When federal regulators levy fines for what they consider to be bad conduct, the money goes into the federal treasury. When state regulators impose their fines of up to $1 million a day, the money will be retained by the new agency to finance more activity.

Will that give the new agency a financial incentive to skip over minor consumer issues and go after big companies? It’s a question that only time will answer.

Significantly too, the new investigative and regulatory mechanism contained in AB 1964 specifically does not usurp the authority of the attorney general to also target companies under the state’s equally vague “unfair competition” law.

From its inception a decade ago, Dodd-Frank has attracted criticism from business executives for regulatory overkill. Will California’s new version be less controversial? We won’t know until the new agency puts some definitional meat on its bones.

CalMatters is a public interest journalism venture committed to explaining how California’s state Capitol works and why it matters. For more stories by Dan Walters, go to

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