The Wealth Elevator Podcast: Real Estate, Taxes, Investing · Lane Kawaoka, PE

Lines of Credit with Business Owner Andrew Amann from ninetwothree.co

·50 min·3 clips

Andrew says a Bluetooth chip idea brought a three-month ROI and three U.S. patents.

1. The Wealth Elevator Podcast episode “Lines of Credit with Business Owner Andrew Amann from ninetwothree.co” centers on business liquidity, leverage, and cash management. 2. Lane Kawaoka hosts Andrew Amann, an entrepreneur and consulting-agency owner at ninetwothree.co, because Andrew has built and lost multiple businesses and now uses business credit tools daily. 3. The episode asks what business owners should do with cash, debt, and reserves when they want growth without tying up money in a bank account. 4. Andrew says he graduated in 2008 and spent 2008 to 2014 working on nuclear submarines as a mechanical engineer in Connecticut. 5. He describes himself as an “intrapreneur” inside that job because he kept pitching a supply-chain idea that tracked nuclear parts with Bluetooth chips. 6. Andrew says the tracking system produced about $100,000 in immediate returns within three months and earned three U.S. patents. 7. He says the company sent him to France, London, Scotland, and other U.S. locations to install the system. 8. Andrew says that work led him to start a business-card company, later called Inigo, that reached 600,000 users and was acquired in 2016. 9. He says he has had 14 businesses total, and nine-to-three is his current consulting agency. 10. Andrew says 2018 was the year he “pretty much went bankrupt,” ran out of money, and had to rebuild while supporting a wife, a one-year-old, and a mortgage. 11. He says his parents pushed W2 jobs for healthcare and support, which made entrepreneurship feel like a full reinvention of his support system. 12. Andrew says he had $50,000 in a 401k, then moved money to cash from 2016 to 2019 because he did not want it to go down. 13. He says his wife and he used 50% of that 401k cash to buy the house they live in now. 14. Andrew says the consulting business started in 2016 by selling AI projects and mobile app work to clients who would pay $20, $100, or $40 an hour. 15. He says the agency later went from zero to $2 million in 2019 to 2020, which was the first time he saw real cash flow. 16. Andrew says his company keeps about two and a half months of working capital in Mercury, a treasury-linked business checking setup that yields about 4.25% and uses vendor-locked credit cards. 17. He says the business can also draw on a HELOC against receivables, and he cites a 2022 Ukraine-war period when the company carried $160,000 of debt for seven weeks while keeping developers paid. 18. The tone stays conversational and tactical, with Lane pushing on tax, debt, and banking details while Andrew answers in concrete operating terms. 19. Business owners who manage cash flow, lines of credit, and tax strategy. 20. Listeners looking for entertainment-only banter or broad startup theory.

As heard by us

A practical cash-and-credit conversation for owners deciding where idle money should sit.

Lane keeps the question practical: how much cash should sit idle, and when does it make more sense to move it into a line of credit or another faster tool?

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Why you'd press play

If your business cash is sitting still, this episode shows where it can work harder.

Read the full recommendation in PlayNext →

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