how one man pulled $80 million dollars off of credit cards

SUMMARY

Colin interviews Gray Friend, CEO of Mundy Friend Capital, on how his firm has liquidated over $80 million from credit cards, enabling businesses to access funds easily without high fees or risks for growth and investments.

STATEMENTS

Mundy Friend Capital leads in credit conversion, partnering with firms to help clients access capital from credit cards for investments, payments, and business expansion.
In the last 18 months, the company has serviced over 4,000 clients, facilitating more than $80 million in credit card liquidations to support business growth.
Traditional methods to extract cash from credit cards involve high cash advance fees of 20-30%, additional charges, holds, flags, or violations of card rules, making them risky and inefficient.
The company's automated system streamlines the process by partnering with a financial conglomerate, allowing clients to onboard, agree to terms, pay, and receive funds directly with dedicated support.
Gray Friend developed this service from personal experience, having stacked $150,000 in credit through an age corp and struggling with invoicing methods that led to holds and complications.
Funds from credit conversions can support diverse uses, including e-commerce inventory purchases, franchise operations like payroll and property down payments, fleet expansion, business acquisitions, and real estate investments.
The onboarding process is straightforward: sign up, book a call to discuss goals and cards, submit application with business and personal docs, verify identity and accounts, then invoice cards and receive dispersed funds.
The firm focuses exclusively on credit conversions, serving e-commerce, real estate, and other sectors, with examples including a client buying an airplane for a flight school and others funding Airbnb ventures.
Partnerships like the one with Colin provide special rates via affiliate links, integrating with programs like Credit Class for credit strategies and investment guidance.
The service emphasizes safety, meeting deadlines, and compliance to deliver liquidity for consumers solving their own funding challenges.

IDEAS

Credit cards offer untapped capital potential, but accessing cash traditionally incurs exorbitant fees and risks that stifle entrepreneurial growth.
A specialized firm can partner with financial backends to automate credit liquidation, turning high-interest credit into low-risk business fuel without rule-breaking workarounds.
Personal frustration with invoicing loops inspired a scalable solution, proving that solving one's own problem can benefit thousands in under two years.
$80 million liquidated across 4,000 clients in 18 months highlights the massive, underserved demand for clean credit-to-cash pathways in diverse industries.
E-commerce inventory and franchise payroll represent "invisible" uses for credit funds, bridging gaps where traditional loans fall short on speed and flexibility.
Limitless applications—from buying airplanes to Airbnb down payments—reveal credit conversion as a versatile tool for ambitious, asset-building ventures.
Dedicated managers and automated notifications transform a complex financial process into a seamless experience, reducing barriers for non-experts.
Integrating credit strategies with community programs like Credit Class creates ecosystems where education, liquidation, and investment converge for wealth acceleration.
Daily onboarding of dozens and weekly hundreds of inquiries signal a booming market for ethical credit leverage, outpacing conventional funding options.
Consumer-centric design, born from real struggles, ensures compliance and speed, elevating users from survival to strategic business expansion.

INSIGHTS

Accessing credit card capital efficiently requires specialized intermediaries to bypass predatory fees, unlocking entrepreneurship without the pitfalls of DIY methods.
Personal pain points in finance often birth innovative services that scale rapidly, democratizing tools once limited to the savvy or well-connected.
The breadth of credit conversion uses—from operations to investments—underscores how flexible funding can catalyze diverse paths to economic independence.
Automation and partnerships in financial services minimize risk while maximizing accessibility, turning potential liabilities like high credit limits into assets.
Community-driven ecosystems combining education, liquidation, and investment amplify individual efforts, fostering collective progress in wealth building.
Ethical, compliant credit leverage addresses a core market gap, proving that solving consumer problems at scale yields both impact and immense volume.

QUOTES

"We are the de facto leader in the credit conversion space where we work with firms just like Colin and help you guys, you know, when you get those go get those credit cards, you're able to access some of the capital off of it for uh a series of investments, making payments, uh you name it."
"In the last 18 months, we've serviced over 4,000 clients and have been able to help people get $80 million over $80 million off of their cards and into their business so they can, you know, grow, expand, build, and purchase uh what they're working on."
"So, we we help all types of folks doing all types of different business models... there's quite literally limitless you know there there's a limitless use cases for for this kind of service."
"We had a lady purchase an airplane her, you know, flight plane uh out out in uh Phoenix so she could start her flight school."
"This is all we do. This is all our firm does. We don't do anything else. We are here solely for you working by you to to take care of your needs and to get this to where you need it so you can you know build grow and expand your venture."

HABITS

Regularly stack credit from multiple banks using methods like age corps to build substantial funding lines for business needs.
Partner with specialized financial firms for automated processes to avoid risky self-invoicing or peer-to-peer transactions.
Book introductory calls to align funding goals with service providers, ensuring personalized understanding of card limits and objectives.
Verify all business and personal documents through secure platforms like Plaid to maintain compliance and streamline fund disbursement.
Join community programs for weekly guidance on credit strategies and investment options to maximize liquidated funds effectively.

FACTS

Mundy Friend Capital has liquidated over $80 million from credit cards for more than 4,000 clients in just 18 months.
Traditional cash advances on credit cards carry fees of 20-30%, often compounded by additional charges and processing risks.
Gray Friend personally stacked $150,000 in credit using an age corp from various banks before developing his service.
The firm processes dozens of onboardings daily and hundreds of inquiries weekly, focusing exclusively on credit conversions.
Clients have used funds for high-value purchases, including an airplane in Phoenix for starting a flight school and down payments on properties for Airbnb businesses.

REFERENCES

Credit stacking method with age corp and multiple banks.
E-commerce inventory purchases requiring AC (air conditioning?) and cash discounts.
Franchise locations for inventory, payroll, and property down payments.
Purchasing cars to expand fleets.
Acquiring cash-generating assets and businesses.
Real estate earnest money deposits and Airbnb ventures.
Airplane purchase for a flight school in Phoenix.
Colin's Credit Class program with weekly live calls, custom credit plans, and six investment options.
MFCapitalco prequal link for credit access.

HOW TO APPLY

Sign up through the affiliate link or platform to initiate the credit conversion process and access special rates.
Book an onboarding call to discuss your business details, card limits, goals, and how the service aligns with your needs.
Complete the application by providing business documents, personal information, ID verification, and bank account linkage via Plaid for ownership confirmation.
Review and sign agreements, then invoice the credit cards on file to process payments securely through the partnered financial conglomerate.
Receive direct fund disbursement to your account, supported by a dedicated manager, automatic emails, texts, and ongoing assistance for compliance and use.

ONE-SENTENCE TAKEAWAY

Leverage specialized credit conversion services to transform card limits into business capital, avoiding fees and risks for limitless growth opportunities.

RECOMMENDATIONS

Integrate credit liquidation with educational communities for holistic strategies on acquisition, funding, and investment to accelerate wealth.
Prioritize compliant, automated platforms over DIY invoicing to minimize shutdown risks and maximize fund accessibility.
Explore diverse applications like inventory or asset purchases to turn 0% credit into high-return ventures efficiently.
Partner with focused firms for personalized support, ensuring seamless processes from onboarding to disbursement.
Scale credit stacking ethically to build funding reservoirs, then convert them strategically for operational and expansive needs.

MEMO

In an era where entrepreneurs grapple with funding hurdles, Gray Friend has quietly revolutionized access to credit card capital. As CEO of Mundy Friend Capital, Friend detailed in a candid interview how his firm has liquidated over $80 million from credit cards in just 18 months, aiding more than 4,000 clients. Born from his own frustrations—stacking $150,000 in credit only to hit roadblocks with risky invoicing—Friend's service partners with financial conglomerates to offer a streamlined alternative. No more 20-30% cash advance fees or flagged transactions; instead, an automated system delivers funds directly for business needs, from e-commerce inventory to franchise payroll.

The appeal lies in its versatility. Friend recounted clients using the liquidity for everything from fleet expansions and business acquisitions to earnest money deposits in real estate. One standout: a woman who bought an airplane in Phoenix to launch a flight school. "There's quite literally limitless use cases," Friend emphasized, highlighting how this tool fills gaps left by traditional loans. Daily, dozens onboard while hundreds inquire weekly, underscoring a booming demand in sectors like e-commerce and Airbnb ventures. By focusing solely on credit conversions, the firm ensures dedicated expertise, with managers guiding users through every step.

Yet, the process demystifies finance without compromising safety. It begins with a simple signup, followed by a call to map out cards and goals, then verification via secure tools like Plaid. Funds flow post-invoicing, backed by automated alerts. Friend's partnership with host Colin Jackson adds value, offering special rates through affiliate links tied to Credit Class—a community of over 1,000 members providing weekly strategies and six proven investment paths. This ecosystem not only liquidates credit but educates on deploying it wisely.

Critics might eye the ethics of leveraging 0% promo periods, but Friend stresses compliance and consumer focus. His journey from personal hassle to industry leader illustrates a broader truth: innovation often sprouts from necessity. For aspiring builders, this model promises elevation—from mere survival to strategic dominance.

As Friend's firm scales, it signals a shift in entrepreneurial finance: credit as a springboard, not a shackle. With stories of airplanes and Airbnbs, the message is clear—unlock your cards, and the possibilities soar.