Ray Ramage, Director of Sales at TJ Corporate Credit. Ray is relentlessly embracing his destiny to serve as an industry-disrupting pioneer committed to prospering, protecting and promoting small business owners. He assists business owners in truly separating their personal and business finances, while creating a robust credit portfolio, solely on the EIN. The result of doing this is the ultimate separation, gaining up to 50X access to capital than when tied to the owner's SSN, and an increase of cash flow in the company.