Go from Zero to Scale in as Little as 6 Months!

Learn How to leverage the power of DEBT FINANCING
to Launch and/or Grow your business

$499.99 $97.00SIGN UP NOW

One of the best kept secrets to business funding now at your fingertips!

If you are a Minority Entrepreneur or Small Business Owner

This transformational course will equip and give you the insights, tools, knowledge, and confidence you need to secure capital to start or grow your business without giving up any EQUITY!

The Covid-19 pandemic has impacted minority entrepreneurs more than any other group, as black-owned businesses are shutting down at twice the rate of white-owned businesses. DON’T LET THIS BE YOU! 

Welcome to The Beginning of Your #LegacyShift!

DEBT FINANCING is one of the Pillars of Wealth Creation! It is why the Rich Keeps Getting Richer!

Rich People are simply experts at using debt to leverage investments and grow cash flow.


Over 53% of bank loans applied by black business owners are rejected!

As a result, research shows that black-owned businesses utilize a much different mix of financing from white businesses. Black firms rely significantly more on owner’s equity (their own investment), while white firms rely significantly on debt or credit financing to start or grow their business.

Relying on owner’s equity alone is limiting and unsustainable. As a result, most black businesses will go out of business or will never be able to grow to their full potential due to lack of capital!

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If you are an entrepreneur or business owner, this course will equip you to successfully navigate the barriers minorities face when it comes to accessing traditional financing for their business.

Get ready to start taking control of your own future and create your #legacyshift through DEBT FINANCING- one of the best kept secrets to generational wealth creation.

$499.99 $97.00ENROLL NOW

My Story

When you hear the word “debt” what comes to mind? Credit cards? Loans? Dave Ramsey? Normally, your first instinct is to run as far away as possible.

That was me for a very long time.

I spent many of of my years as an entrepreneur chasing investment capital because I simply thought it was the only viable source of funding for my business.

I was my own investor throughout the years, never having access to the capital I needed to fully optimize my business operations or scale to its fullest potential. Unfortunately, this is the reality of many minority entrepreneurs and small business owners, and maybe you are one of them.

After further education and exposure to the financial industry in addition to understanding how Whites have historically built successful businesses and wealth through DEBT FINANCING, I started a new business and mustered up the confidence to pursue financing for the new venture. I successfully secured a loan in six weeks prior to launch.

The Covid-19 pandemic has further exacerbated the barriers facing minorities when it comes to access to capital. Black businesses are shutting down at twice the rate of their White counterparts, but this course will help you chart your own path to success.

If you can relate to my story and like me, you’ve reached a point where you want to take control of your own destiny, this course is designed for you.

It will help you understand the world of DEBT FINANCING, why it is such a powerful source of wealth creation, and how you can intelligently navigate it to start or grow your business.

The course is a culmination of my experience talking to thousands of minority entrepreneurs about their challenges with access to capital, as well as personally going through the process of successfully securing a loan for my new healthcare business in as little as six weeks and before launch.

$499.99 $97.00SIGN UP NOW

After the Course, Be Ready To:

Know about Debt Financing and why it is such a powerful tool for business growth and wealth creation
Understand "The Five C’s of Credit” and how lenders use it to evaluate your creditworthiness
Know government funding programs available to minorities and how to take advantage of them
Know all the basic qualifications for a loan and how to effectively prepare
Understand the sections of a loan application and the common mistakes to avoid
Have the tools and confidence you need to secure a loan in as little as 6 months

Meet the Instructor

Sandra Babu-Boateng, MBA

Sandra Babu-Boateng, MBA

  • Co-founder: PanaGenius Inc. / Face2faceAfrica
  • Forbes 30 under 30 – Africa’s Best Young Entrepreneur – (2013)
  • Forbes “Awesome Black Women Everyone Should Know” – (2020)
  • 100 Most Influential People of African Descent Award by the UN – (2019)
  • New York Times Scholar – 2006
  • Certificate of Congressional Recognition for Community Leadership – (2019)
  • Magna Cum Laude graduate of the Newhouse School of Public Communications at Syracuse University (2010)
  • Master of Global Business Administration at Tufts University – (2021)

My Brands

As seen on

Here are the Modules and Lessons in the COURSE and what you can expect

MODULE 1 - An Introduction to Credit/Debt Financing

We start off by diving into the world of debt financing and how it works as a powerful source of business funding. You will have a better understanding of what it is, how it differs from other types of funding and the advantages and disadvantages. By the end of the module, you will have a renewed perspective on debt financing and will be able to evaluate if it is the right choice for you.

Lesson 1: - So What Exactly is Debt/Credit Financing?
Lesson 2: - Debt Financing vs. Equity Financing
Lesson 3: - Advantages & Disadvantages of Debt Financing
Lesson 4: - Is Debt Financing the Right Choice for You: A Self Analysis
Lesson 5: - Module 1 Review, Action Items, & Assessment

MODULE 2 - Minority-Focused Small Business Loan Programs

We explore the racial wealth gap and how the government and financial institutions are trying to address it with programs targeting minorities. We go into business financing opportunities available for minorities and eligibility requirements, using the largest government program in the country, the Small Business Administration (SBA) as the main example throughout.

Lesson 1: - A Look at America’s Racial Wealth Gap and How it Impacts Minority Entrepreneurs
Lesson 2: - Introducing the Small Business Administration (SBA)
Lesson 3: - Terms and Eligibility Criteria for SBA Loans
Lesson 4: - A Breakdown of Loan Programs Available for You Through the SBA
Lesson 5: - What’s the Right Choice for You?
Lesson 6: - Module 2 Review, Action Items, & Assessment

MODULE 3 - Qualifying for a loan

This module prepares you to become a great candidate for a loan by taking you through the qualification/eligibility process. We analyze the Five C’s of Credit, which is the model lenders use to determine a candidate’s  creditworthiness, then we discuss the business plan and other important things you must do before applying for a loan. 

Lesson 1 - Overcoming Barriers in the Financial Industry
Lesson 2: - Thinking Like a Lender: "The "FIVE C’s" of Access to Credit
Lesson 3: - Seven Things to do Before Applying for a Loan
Lesson 4: - Writing a "Winning" Business Plan For Your Loan
Lesson 5: - Module 3 Review, Action Items, & Assessment

MODULE 4 - Preparing Your Loan Application Package

In this module you will learn how to properly complete and submit your loan application package. We go over the required documentation and forms, how to answer the important sections, and the common mistakes to avoid during your application process.

Lesson 1 - Required Documentation
Lesson 2 - Required Forms and How to Properly Complete Them
Lesson 3 - Additional Forms to be Aware of
Lesson 4 - Common Mistakes/Pitfalls to Avoid on Your Application
Lesson 5 - Module 4 Review, Action Items & Assessment

MODULE 5 - Closing Your Loan

In this module we go over what to expect on your closing day, including documents you will be required to sign and what you should look out for. We then discuss things to look out for after closing and beyond. 

Lesson 1 - Loan Closing & Documentation
Lesson 2 - Closing Day
Lesson 3 - Beyond Your Loan: Preventing Defaulting & More
Lesson 4 - Review, Action Items, & Assessment

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What People Are Saying (Testimonials)

Sandra’s guidance and expertise throughout this course was incredibly effective in getting the inventory financing my company needed. Don't waste time and money chasing after capital, this course is what you need. David Amofa-Baah adinkrajewelers
I never considered debt financing for my business until I took this class. It changed my perspective. It was refreshing to see another Black woman teaching this and using her experience and challenges as an entrepreneur to help us understand. I feel empowered to take the next step to grow my scented candles business. Adria Cromartie cdluxurycollection
Sandra’s course changed my perspective on debt financing. I feel prepared and confident to secure the financing I need to grow my merchandising business. I would highly recommend this course for any small business owner. George Bamfo Jr. Georgebamfojr
Who should take this course?

If you: want to start your own business but do not have access to capital; already have a business but need access to growth capital; want to scale your business but want to retain 100% equity; business is growing very fast and you need access to quick working capital to sustain your operations; need money for working capital, inventory or supplies, furniture or fixtures, and machinery or equipment; this course is for you!

I'm I guaranteed a loan after completing this course?

No, there is no guarantee that you will get a loan after taking this course, however we are confident that if you complete the modules and put in the work as instructed, you will get results.

This is a course for serious entrepreneurs. If you’re not ready to put in the work and take real action, you won’t see the results. We encourage you to put an extraordinary amount of time and effort into the course and activities  so you can achieve desired results.

What exactly will I be getting once I sign up for the course?

Once you sign up for the course, you will have access to the entire course curriculum which includes 5 Modules, 25 professionally recorded video lessons in total. See the “What You Can Expect” section of this website to see the full curriculum. You will also have access to the course workbook, a list of potential lenders and their contact information, and useful links and resources.  You will also be able to join our private group for additional support, including the opportunity to attend live video sessions with the instructor.

How do I access the course?

After payment, you will be instructed to create an account. Once you create an account, you will have access to your own dashboard where you can see your courses, access and manage them 24/7.

What's your refund policy?

We are confident that that you will reap many benefits from this course. however if after completing all the lessons and following through with the action items as instructed,  you don’t see any results, you may request for a refund within 30 days. For full details of our refund policy, please read the section “Refund Policy – Courses” in the Terms & Conditions page.

How will I benefit from this course?

Whether you are an entrepreneur or an aspiring one, this course will help you understand the financing options available to you to start or grow your business.  It will help you understand the powerful world of credit and how you can leverage it to build wealth.

This is NOT  a finance course. It is for everyday people who want to understand how credit works and how they can use it to their advantage in building wealth, i.e. starting a business, leveraging risk, buying a home, etc. 

What type of loan programs does this course prepare you for?

This course prepares you for all types of business loans. Although we use the SBA loan programs as our primary example throughout because of their favorable terms, the lessons, process, and general principals covered are applicable to all other types of loans.



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At Legacy Shift, we bring you educational content from some of the greatest entrepreneurs of our generation. Their talents and work ethic are exceptional. When we present revenue and sales figures on our website, we are showcasing exceptional results, which do not reflect the average experience. You should not rely on any revenue, sales, or earnings information we present as any kind of promise, guarantee, or expectation of any level of success or earnings. Your results will be determined by a number of factors over which we have no control, such as your financial condition, experiences, skills, level of effort, education, changes within the market, and luck. Running an online business carries risks, and your use of any information contained on this website is as at your own risk. We provide content without any express or implied warranties of any kind. By continuing to use our site and access our content, you agree that we are not responsible for any decision you may make regarding any information presented or as a result of purchasing any of our products or services.