What nobody taught you about credit, debt, and the system that's charging your business for both.
View on AmazonIt's the extra points on every loan. The advance you took because the bank said no. The contract you passed on because you couldn't fund the crew. It doesn't show up as a line on your P&L. It shows up as everything costing more than it should.
The Invisible Tax follows one founder, a $1.9 million business and a payment that leaves the account at 4:00 AM every business day, and shows how a business doing everything right ends up paying for money it should have gotten cheap.
Built to Break shows why a business that runs on its founder can't grow past them. The Invisible Tax is the money side: how credit and capital actually work for a founder-led business, why most founders pay more than they should, and what it costs them every year without showing up anywhere.
It's education, not a service. OpFix doesn't repair credit and doesn't lend money. The book shows you how the system works so you can run every step yourself.
If your business has taken an advance, runs expenses on your personal cards, or got turned down by a bank while the revenue was real, this book is for you. If you've ever signed for money that felt like the responsible move and turned out to cost a fortune, this book is for you.
The other half of the story: why a founder-led business that works can't run without its founder, and what to do about it.
About the bookCheap capital makes a well-run business bigger. In a business with a margin leak, a crew with no room in it or a cash floor nobody set, it makes it break faster. The X-Ray finds those, with a dollar figure on each one. You keep the report either way.
The Invisible Tax is available now on Amazon in paperback.
Get the book on Amazon