Run the Play Capital Group

Run the Play Capital Group Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Run the Play Capital Group, Credit Counseling Service, 1 East Erie Street, Chicago, IL.

🚀 Your trusted partner in Credit Repair, Funding Solutions & Business Growth! 💳✨ — we run the play! 💼🔥
Download the free Playbook:
https://b59e-legacy.systeme.io/7fc89f87


Stop playing for the month and start playing for the exit.Most entrepreneurs are obsessed with monthly revenue: the "sco...
07/31/2026

Stop playing for the month and start playing for the exit.

Most entrepreneurs are obsessed with monthly revenue: the "scoreboard." But the bank and the investor? They’re looking at your franchise value.

Revenue keeps the lights on. Structure builds the estate.

If your business generates $1M in EBITDA, the difference between a 2x multiple and a 6x multiple isn't just a number: it’s a $4,000,000 gap in your net worth. That gap is closed through Business Positioning.

To reach an Institutional Grade valuation, you need a "Structural Victory." This requires:

1. Entity Alignment: Is your business structure clean and compliant?
2. Operational Maturity: Do you have documented SOPs or does it all live in your head?
3. Revenue Quality: Is your income diversified or dependent on one "star player"?
4. Banking Hygiene: Are your financials ready for pre-underwriting?

In The Capital Readiness Era, we don't just build businesses; we build assets. Run The Play Capital Group helps entrepreneurs strengthen their personal and business positioning to improve access to capital and growth opportunities.

Don't leave millions on the table because your Profile Architecture is weak. Position your business to be fundable, credible, and growth-ready.

Download the playbook : link in bio.

(Link in first comment)

Your business credit card is maxed out at $45k. But it's a business card, so it doesn't affect your personal credit, rig...
07/30/2026

Your business credit card is maxed out at $45k. But it's a business card, so it doesn't affect your personal credit, right?

Wrong. 💥

Here's the blind spot wrecking applications in 2026:

Many business credit cards report to both consumer AND business credit bureaus. Even if they don't hit your personal FICO, the monthly payment obligation factors into your DSCR calculation.

Let's run the numbers:

→ Business revenue: $15k/month
→ Business credit card minimum payment: $1,800/month
→ Other debt service: $1,200/month
→ Proposed new loan payment: $2,500/month
→ Total debt service: $5,500/month
→ DSCR: $15k ÷ $5,500 = 2.72x (looks good)

But wait : if the card carries a $45k balance with 22% APR, the interest alone is ~$825/month. Lenders recalculate at 3-5% of the outstanding balance, which could be $1,350-$2,250/month.

Suddenly your DSCR drops below 1.25x.

How to fix it:

1️⃣ Know which of your cards report to consumer vs. business bureaus
2️⃣ Keep utilization under 30% on any card that appears in underwriting
3️⃣ Pay down balances 60-90 days before applying
4️⃣ Consider consolidating high-interest card debt into term debt
5️⃣ Ask lenders which utilization calculation method they use (minimum payment vs. percentage of balance)

Your business card is a tool. Let it work for your fundability, not against it.

We don't sell funding. We help entrepreneurs become the type of business that funding looks for.

Download the playbook : link in bio.

Run The Play To Win.

Stop asking "Will I get approved?" and start asking "What will it cost me?"Most entrepreneurs are just happy to get the ...
07/30/2026

Stop asking "Will I get approved?" and start asking "What will it cost me?"

Most entrepreneurs are just happy to get the bank to say "Yes." But if you haven't run the play on your Profile Architecture, you're paying a hidden "Unreadiness Tax" every single month. Your interest rate isn't just a random number. It’s a direct reflection of your Structural Readiness.

Lenders are checking your play call before you even take the field:

- Entity Alignment: Does your paperwork match your reality?
- NAICS Codes: Are you flagged as high-risk before they even see your revenue?
- Banking Hygiene: Is your cash flow documented and clean?

A 2% difference on a $500,000 loan is $10,000 a year straight out of your pocket. That’s capital you could have used for marketing, hiring, or scaling.

At Run The Play Capital Group, we don’t just help you get funding; we help you become a low-risk, institutional-grade borrower. We position your business so the banks compete for you, not the other way around.

Don't leave money on the table because your business positioning is sloppy. Secure your Structural Victory today.

Download the playbook : link in bio.

https://b59e-legacy.systeme.io/7fc89f87

Your CPA told you to deduct everything. Every meal. Every mile. Every home office expense.Your tax bill looks great. You...
07/29/2026

Your CPA told you to deduct everything. Every meal. Every mile. Every home office expense.

Your tax bill looks great. Your fundability? Disqualified. 📉

Here's the trap most business owners don't see coming:

Many lenders : especially for sole props and single-member LLCs : use personal tax returns as a primary income verification tool. When your AGI shows $35k (because you deducted $120k in expenses), the lender sees a business that can't afford debt service.

The math doesn't lie:

→ Revenue: $155k
→ Deductions: $120k
→ AGI: $35k
→ Lender's conclusion: Not enough capacity to service debt

This is the Tax Trap in action.

How to fix it without wrecking your tax strategy:

1️⃣ Maintain a CPA-reviewed P&L that shows EBITDA and true operating cash flow
2️⃣ Keep a separate "lender-ready" financial statement that adjusts for non-cash deductions
3️⃣ Understand which lenders use gross revenue vs. adjusted net income
4️⃣ Consider SBA lenders who evaluate global cash flow (business + personal)
5️⃣ Work with a tax professional who understands fundability : not just tax minimization

Your tax strategy and your funding strategy need to work together. One shouldn't sabotage the other.

Run The Play Capital Group helps entrepreneurs and small business owners strengthen their personal and business positioning to improve access to capital and growth opportunities.

Download the playbook : link in bio.
https://b59e-legacy.systeme.io/7fc89f87

Run The Play To Win.

The computer didn’t "dislike" your business: it just didn’t recognize it.Welcome to the era of the 'Black Box.' In 2026,...
07/29/2026

The computer didn’t "dislike" your business: it just didn’t recognize it.

Welcome to the era of the 'Black Box.' In 2026, AI underwriting has become the standard, and it doesn’t care about your story. It cares about your data. When you get a denial without a clear reason, you’ve been flagged by an algorithm trained to spot patterns, not people.

Stop trying to fight the machine and start feeding it the right information.

At Run The Play Capital Group, we teach you how to win the game before you even step on the field. You need a Structural Victory. That means conducting a pre-underwriting self-audit that addresses the data points the 'Black Box' is programmed to scan for:

1. Cash Flow Consistency: Are your deposits predictable or erratic?
2. Entity Alignment: Does your digital footprint match your Secretary of State filings exactly?
3. Banking Hygiene: Are you maintaining the institutional-grade balances that lenders require?
4. Profile Architecture: This includes Step 0: the Profile Freeze: to ensure your data is clean and controlled.

Don't fight the black box. Become the type of business it is literally programmed to approve. It’s not about luck; it’s about positioning. Your business needs to be fundable, credible, and growth-ready from the first click.

Run The Play To Win.

Download the playbook : link in bio.

Banks have a clock you aren't watching. Most entrepreneurs are running the wrong play at the wrong time.At Run The Play ...
07/29/2026

Banks have a clock you aren't watching. Most entrepreneurs are running the wrong play at the wrong time.

At Run The Play Capital Group, we teach you that the SBA fiscal year doesn't start in January: it starts October 1st. If you’re waiting until the end of the calendar year to position your business, you’re already behind the defense.

In Q4 (July–September), banks are often hitting their caps and tightening their criteria. They’ve already run their primary plays for the year. But in Q1 (October–December), the floodgates open. The budget is fresh, and the appetite for capital placement is at its peak.

Applying during the right window isn't just luck; it’s Capital Readiness. To win, you need more than a score. You need Entity Alignment and Banking Hygiene that can pass pre-underwriting before you even step on the field. This is how you achieve a Structural Victory.

Don’t get caught in the 2-minute drill with no timeouts left. Let Run The Play Capital Group help you structure your business for a victory now so you're ready when the clock resets on October 1.

Download the playbook : link in bio.

Your EIN was established in 2020. Your bank statements start in 2025.What does the lender see?A 5-year-old entity with o...
07/28/2026

Your EIN was established in 2020. Your bank statements start in 2025.

What does the lender see?

A 5-year-old entity with only 6 months of actual activity. 🧠

This is the EIN Age vs. Operating History Gap : and it's one of the most overlooked disqualifiers in 2026 underwriting.

Here's how AI underwriting evaluates this:

→ EIN creation date = Entity age
→ First bank transaction = Operating start date
→ Gap between them = Potential dormancy or shelf corporation

A 4-year gap with no activity signals risk. Lenders assume the entity was dormant, inactive, or resurrected specifically for a loan application.

How to close the gap:

1️⃣ If you've been operating as a sole prop, document your transition timeline to the LLC/Corp
2️⃣ Maintain consistent monthly bank transactions from day one : even small deposits
3️⃣ Keep a formal operations log or client invoices dating back to entity formation
4️⃣ If you acquired an aged shelf company, disclose it : lenders will find out
5️⃣ Pair entity age with industry experience documentation (resume, licenses, certifications)

The goal isn't just an old EIN. It's a verified, continuous operating history that your entity can prove.

Run The Play Capital Group doesn’t sell funding. We help entrepreneurs become the type of business that funding looks for.

Download the playbook : link in bio.

"Run The Play To Win"

Stop betting your entire business on one vendor.In the Capital Readiness Era, lenders are looking for more than just cas...
07/28/2026

Stop betting your entire business on one vendor.

In the Capital Readiness Era, lenders are looking for more than just cash flow: they are looking for Operational Maturity. If your entire operation relies on one vendor, one distributor, or one single supplier, you haven’t built a business; you’ve built a bottleneck.

Lenders call this “Concentration Risk.” When an AI underwriter sees a single-source dependency, it flags your business as fragile. If that one vendor fails, your revenue stops. To a bank, that’s not a safe bet; it’s a structural liability.

Run The Play: Real Business Positioning means demonstrating Structural Victory through a diversified supply chain. You need a depth chart for your operations. Having multiple paths to fulfillment proves your business is resilient, credible, and growth-ready.

Don’t wait for a supply chain crisis to prove you weren't ready. High-level Capital Readiness requires you to eliminate single points of failure before you ever sit down at the closing table. Strengthen your Business Positioning now and show the banks you have the Management Depth to handle scale.

Position your business for the capital you deserve.

Download the playbook : link in bio.

The May 2026 Equifax Main Street Lending Report just dropped, and the "game film" doesn't lie. Inflation is holding at 3...
07/28/2026

The May 2026 Equifax Main Street Lending Report just dropped, and the "game film" doesn't lie.

Inflation is holding at 3.8% YoY and energy costs have spiked 18%. Combined with a 5.5% drop in the Small Business Lending Index, the signal from the banks is clear: The bar for Capital Readiness has been raised.

In a high-cost environment where lending is softening, having a great product is no longer enough to secure a win. Your Structural Victory depends on your data. The businesses securing capital today aren't the ones asking for favors: they are the ones with the cleanest Banking Hygiene, the tightest cash flow documentation, and superior Revenue Quality.

Financial hygiene is no longer a back-office chore; it is your primary competitive advantage. If your Entity Alignment is off or your Digital Footprint is messy, you are losing before you even snap the ball.

Run The Play Capital Group helps entrepreneurs and small business owners strengthen their personal and business positioning to improve access to capital and growth opportunities. We don't sell funding. We help entrepreneurs become the type of business that funding looks for.

Stop guessing and start positioning. Your business needs to be institutional grade before you ever walk into a branch.

Download the playbook : link in bio.
https://b59e-legacy.systeme.io/7fc89f87

📑 Your CPA says your financials are "clean." Your lender says they're "incomplete."There's a massive gap between CPA-rea...
07/28/2026

📑 Your CPA says your financials are "clean." Your lender says they're "incomplete."

There's a massive gap between CPA-ready and underwriter-ready financials : and that gap is where funding goes to die.

Here's the Document Readiness Score framework:

1️⃣ P&L
CPA-Ready: Categories grouped, expenses deducted.
Underwriter-Ready: EBITDA broken by recurring vs non-recurring. Owner's comp separated. Lenders look for sustainability, not just profit.

2️⃣ Balance Sheet
CPA-Ready: Assets and liabilities listed.
Underwriter-Ready: Assets classified by liquidity. Accounts Receivable is aged. Lenders lend against tangible net worth.

3️⃣ Tax Returns
CPA-Ready: Filed on time, deductions maximized.
Underwriter-Ready: Consistent owner compensation shown. The strategy doesn't hide true earnings power.

4️⃣ Bank Statements
CPA-Ready: Transactions recorded.
Underwriter-Ready: No NSF items, gambling, or cash-app. 90 days of consistent patterns.

5️⃣ The Gap Score
1-3: Guessing
4-6: Clean books, but un-fundable (Most owners)
7-9: Close to ready
10: Passes a pre-underwriting audit

Lenders don't lend on tax strategy. They lend on debt service capacity. Ask yourself: "If I were a lender, would I fund this?" If the answer isn't a "yes," your documentation isn't ready.

Download the playbook : link in bio.
https://b59e-legacy.systeme.io/7fc89f87

Address

1 East Erie Street
Chicago, IL
60611

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

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