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Kindling Program - with Taking Initiative Podcast Episode 003

Updated: Apr 4


Host David Waller has guest Travis Fairbairn of 30 West Consulting, program director of Kindling on1: Understanding Kindling & How It Works

What is Kindling?

Kindling is a community-based private lending platform that allows a group of people to collectively participate in a single lending note. Instead of trying to originate a note individually, members pool their funds together to create a larger, more valuable note. This approach unlocks better banking opportunities, predictable cash flow, and long-term financial benefits.



Why Cash Flow Matters

  • Your mortgage, rent, groceries, and daily expenses all follow a cycle. Income needs to match that cycle.

  • Wealth-building isn't just about accumulating assets—it requires consistent cash flow.

  • Kindling creates reliable, monthly income, aligning with your personal and business financial needs.


How Kindling Fits Into Your Financial Strategy

Kindling can help with:

  • Covering monthly expenses with predictable income.

  • Reinvesting profits into other assets or business ventures.

  • Funding large purchases over time instead of relying on traditional loans.

📖 Workbook Exercise:

  • List your major monthly expenses.

  • How much predictable cash flow would help you cover these costs?

  • What financial goals could you achieve with an extra $500–$2,000/month?



2: The Financial Mechanics of Kindling


How to Participate in a Kindling Note

  1. Choose your participation amount ($5,000 minimum).

  2. Complete our Vendor Packet to submit your funds via wire, ACH, or check.

  3. Kindling originates a note on behalf of all participants.

  4. You receive monthly amortized payments based on your pro-rata share.

  5. Payments are sent via ACH directly to your bank account.


Understanding the Terms

  • Average Return: 9.5% over 60 months + occasional profit bonuses.

  • Monthly Payments: Example: If you bring in $10,000, you receive $210.02 per month for 60 months.

  • Security: Backed by Crossroads Business Consulting and structured for stability.

📖 Workbook Exercise:

  • If you invest $X, how much will you receive monthly?

  • How does this compare to other passive income opportunities you’ve considered?



3: Planning Your Cash Flow Strategy with Kindling


How Much Should You Start With?

Your participation should align with your financial goals and risk tolerance.

  • Small Start: $5,000–$10,000 (Ideal for first-time participants)

  • Growth Mode: $25,000+ (Maximizing passive income potential)

  • Scaling Up: Reinvesting Kindling returns into larger investments


Aligning Kindling with Your Goals

  • Pay off debt using Kindling payments instead of salary.

  • Cover major expenses like rent, tuition, or insurance.

  • Reinvest into new financial vehicles for compound growth.


Scaling Over Time

  • Reinvest each month's Kindling payout into another note.

  • Use your cash flow to fund other investments like real estate, business projects, or a whole life insurance policy.

  • Use your monthly cash flow to participate in a program that gains you equity and revenue share within the community.

📖 Workbook Exercise:

  • Define your financial priorities.

  • How much would you reinvest versus withdraw monthly?

  • If you reinvest for 5 years, what would your income stream look like?



4: Kindling as an "Oxidizer" for Other Programs


What Does It Mean to Be an Oxidizer?


Kindling enhances other programs, acting as a multiplier for financial success.

  • Creates predictable cash flow that can be redirected into investments.

  • Funds Special Purpose Vehicles (SPVs) that acquire assets like real estate or airplanes.

  • Boosts ABM initiatives by providing cash flow contributions.

  • Helps build credit facilities for larger-scale projects.


Real-World Example

  • You join an SPV for $5,000.

  • Instead of paying that out-of-pocket, you first invest $5,000 in Kindling.

  • Kindling pays $105/month back to your SPV on your behalf.

  • You gain equity + cash flow + your full investment returned after 5 years.

📖 Workbook Exercise:

  • Identify a financial goal that Kindling could accelerate.

  • Outline a step-by-step plan to use Kindling for that goal.



Module 5: Taking Action & Next Steps


How to Get Started with Kindling

  1. Choose Your Participation Level: Decide how much you want to invest.

  2. Submit Your Vendor Packet: Fill out the form with your banking details.

  3. Fund Your Note: Send funds via wire, ACH, or check.

  4. Receive Your Monthly Payments: Track your first payment in 30 days!


Ongoing Support & Community

  • Connect with Kindling Coaches for guidance.

  • Join Community Groups & SPVs to maximize financial growth.

  • Explore additional TCC and CBP investment strategies.




Thank You

We appreciate your time and interest in leveraging Kindling for financial growth. This is just the beginning—our community is here to support you in building lasting wealth and financial security.

🚀 Next Step: Schedule a Call & Get Started!👉 Schedule a Call👉 Email Travis Fairbairn






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