Alpha Incorporated

Alpha Incorporated

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đź’°30+ Yrs of Helping Businesses Get Millions in Funding.
💬 DM me “Biz” to join my next free webinar

Derrick Whitehead is an international speaker, author, entrepreneur & creator of numerous stunningly profitable companies and business programs. Derrick has an extensive carrier in the banking industry that spans over three decades and now he is the CEO of his wildly successful company: Alfa Incorporated. His company now manages over $20B portfolio of multifamily properties and privately held comp

04/06/2026
04/06/2026

Most people get turned down for funding and never find out the real reason.

Here's one nobody talks about - ChexSystems.

Years ago you opened a bank account. There were some fees, maybe small ones, maybe ones you forgot about. You never paid them. The bank reported you to ChexSystems and moved on. You moved on too. But that report is still sitting there, quietly blocking you every time you try to open a new account or access funding.

The bank won't tell you that's the reason. You'll just hear no and walk out wondering what went wrong.

So before you do anything else - before you apply for credit, before you approach a lender, before you try to open a business account — go check ChexSystems first. Clear whatever is on there.

Now here's the part people mess up. Once you opt out of these bureaus they send you a letter. That letter has a number on it. Do not lose that letter. Because when you go back to get funded the bank is going to check to see if you exist in the system. If you opted out and lost that number, you can't opt back in. You won't exist. And you won't get the money.

Keep the letter. Check the system. Then go get funded.

Comment "WEBINAR" and I'll send you the link to my next free session.

03/06/2026

If you're trying to get funded and you have an LLC - that's your first problem.

Banks see the word "limited" and they move on. Limited liability means limited in their eyes. They don't want limited. They want a C Corp.

A C Corp is what lenders actually respect. No ceiling, no restrictions, and it tells the bank you're serious about building something real.

But here's where most people trip up even after they've got the right structure. Time in business. Banks want to see 2.5 tax years before they'll even have the conversation about money. Not 2 years. Not 2 years and a few months. Two and a half tax years.

Had a guy come in not long ago. Said he had a 2-year corp and couldn't get funded anywhere. I told him, 2.5 tax years runs from January through April. Two of those cycles is 2 years and 8 months. At that point you might as well round it to 3 years and stop rushing a process that has rules.

The rules don't move. You have to meet them where they are.

Comment "WEBINAR" and I'll send you the link to my next free session.

Photos from Alpha Incorporated's post 02/06/2026

Why would I buy a yacht at full price when I don't have to?

When someone stops paying on an asset, a yacht, a property, a business, the bank wants that debt off their books. They'll sell that note for as low as 20 cents on the dollar. That's when you show up.

Most people never make this move because nobody told them note brokers exist. Nobody explained how distressed debt works. Nobody handed them the playbook.

That's the real gap. Not the money. The knowledge.

I'm breaking all of this down live at my next free webinar - note buying, distressed debt, and how to use the system instead of being used by it.

Comment "WEBINAR" and I'll send you the link.

02/06/2026

They use Special Purpose Entities and Special Purpose Vehicles to go get money.

You probably never heard that term in school. You won't find it explained the way it needs to be on the internet either. This is the kind of structure the big players use to raise capital, separate risk, and move money - and most people have zero clue it exists.

That changes Tuesday.

Comment "Webinar" and I'll send you the link to the next free session. Come learn how the system actually works,so you can start using it.

28/05/2026

Most real estate investors are asking the wrong people for money.

They go straight to hard money lenders without understanding where the hard money lender gets their money from.

The bank.

Think about that.

If a hard money lender can borrow from the bank and lend to you at a higher rate, why aren’t you learning how to position yourself to go directly to the source?

Banks don’t just lend based on deals. They lend based on structure, documentation, and business credibility.

If you can show completed transactions, final HUDs, and a real operating business, you start getting viewed differently.

The goal isn’t to chase money.

The goal is to become bankable.

That’s when everything changes.

Comment webinar and I’ll send you the link.

26/05/2026

The biggest mistake business owners make is believing hard work alone creates access to capital.

I learned the hard way that the system doesn’t reward effort… it rewards positioning.

Once I understood how banks evaluate businesses, how corporations structure themselves, and how capital actually moves, my entire perspective changed.

Most entrepreneurs are building businesses without understanding the language lenders and institutions speak. That’s exactly why I created the Bank Ready Boardroom.

This is a 5-day live experience where I break down how to position your business strategically instead of operating blindly.

If you want to learn how to move like the companies that actually get funding, leverage, and opportunities… this is for you.

Comment “webinar” and I’ll send you the link.

19/05/2026

Most people fear market crashes.

The wealthy prepare for them.

Every economic downturn transfers wealth from the uninformed to the prepared.

That is why smart investors focus on:
Real estate opportunities
Discounted assets
Business acquisitions
Strategic investing
Long term leverage

The average person sees losses.
The wealthy see opportunity.

This is why some people come out of recessions broke…
while others come out owning more than ever before.

Learn how money really moves during economic shifts and why understanding the financial system changes everything.

Comment WEBINAR and I’ll send you access to the free live training link.

14/05/2026

Most entrepreneurs make the same mistake when building a business.

They build for where they are…
not where they are trying to go.

Imagine pouring 6 inches of concrete for a one story home.

Then later deciding you want to build a second story.

Now the foundation is not strong enough.

You have to tear everything down and rebuild.

That is exactly what happens when entrepreneurs build everything under an LLC without understanding corporate structure.

The wealthy build businesses differently.

They build foundations designed for:
Business funding
Corporate scaling
Stock issuance
Asset protection
Long term leverage

That is why billion dollar companies use C corporations.

Banks can immediately recognize whether a business was structured for growth or simply created to survive.

If you want to scale like the big companies do, your foundation matters.

Comment WEBINAR and I’ll send you the link to the free live training.

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Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 17:00