Very Small Business? Micro-Enterprise? Absolutely not.

Google Review This Week:

"I am incredibly grateful to Kris Fleming for providing the clarity I needed to navigate my professional journey. Kris's guidance was instrumental in helping me reach my goals. Thank you for the unwavering support!"
⭐⭐⭐⭐⭐

Leave a Google Review of Your Own

Hey there {{contact.first_name}},

"Very Small Business" or "Micro Enterprise"

The SBA currently describes "Small Businesses" as having fewer than 500 employees, and less than $7.5M in annual revenue, depending on the industry. Other terms to describe businesses with 10 or fewer employees, and $2.5M or less in annual revenue are, "Very Small Business" or "Micro-Enterprise." I'm a little offended by both of these! My business isn't "very small"; it's intentional. It isn't "micro" either; it's fully human-scale. I'm guessing you feel the same way about yours. I think we deserve a better term, and I'm curious what you think about it.

I have designed a highly un-scientific poll that you can answer anonymously, and it's only two questions. Tell me what you think. I'll publish the results soon!

Take the 2 Question Poll - for Science. JK

I had an interesting realization this week involving hammers and elephants.

Don't worry; no elephants were harmed, nor were any hammers. It's funny what can happen when you google yourself. Read more below.

Have I told you about The Library in Freya's Arbor? If you're a Woman Entrepreneur, or want to be, I hope you'll check it out.

As always, I love hearing from you – questions, comments, concerns, discussions. All you have to do is hit "reply." Let's talk soon!

All my best,
-- Kris 🌱🫶

Though I am not necessarily opposed to AI generated content, please know that I personally write every word of my articles except where specifically noted.

A surreal, sepia-toned image featuring an elephant firmly gripping a wooden hammer with its trunk, poised to strike. To the right, the text 'HAMMERS AND ELEPHANTS' is displayed in a clean, typewriter-style font, reinforcing the theme of intentional tool-use for The Genius Cultivator.

Have you googled yourself lately? I've been working on the SEO (search engine optimization) for TheGeniusCultivator.com, which has me googling myself to check on how things are looking when other people are trying to find me on the interwebs. By the way, my website is all new and I'm really proud of it. You should check it out! 

Back to googling… as I was making observations, next steps, and generally trying to accomplish my task of making The Genius Cultivator easier to find, I came across a speaker profile from a group to which I'd previously presented. I immediately knew the writing wasn't mine.

“She has a hell of a story,” they said, pointing out
my general lack of resources and support as a younger woman.

As I reflected on that for a moment, how my origin story is unusual, I thought, “I tried out a whole lot of things just sorting out how to do life. One of my advantages is that there was no one around to tell me I was doing it "wrong.” A lot of things I tried worked out because my opportunities for doubt were so limited. I had no way of knowing that my tactics were unlikely to work, and so they did.

What would you do– what COULD you do– if no one was telling you that you're doing it wrong? Certainly there are tremendous benefits to having people who care about you protect you from harm and missteps. But maybe that's a knife that cuts both ways. Think of it like when someone says, “no matter what you do, do not think about an elephant.” Of course, now all you can think about is an elephant. As a younger woman, I didn't have a whole lot of elephants to think about because who was going to tell me not to?

To bring this to a business principle, there's the saying that:

If all you have is a hammer then everything looks like a nail.

But what if all you have is a hammer and you don't know what a hammer is meant to do? What are all the things you might try to use it for?

I asked Gemini for some humorous alternative uses for a hammer, and here is what she gave me:

   Office Decor/Paperweight: The ultimate minimalist desk accessory, subtly conveying a no-nonsense attitude and serving as a very heavy paperweight.

   A Personal Metronome: Tap lightly on the desk for a dramatic, rhythmic effect while pondering a big decision.

   Impromptu Drumstick: For a sudden burst of rhythmic inspiration (or frustration) on a sturdy, inanimate object.

   The Ultimate Fly Swatter: Guaranteed to get the job done, though cleanup may be extensive.

   An Extravagant Doorstop: Holding open the most important door in the house with authority.

   A Primitive Back Scratcher: For those hard-to-reach itches (use the claw end with extreme caution).

   Pretzel Straightener: For the truly dedicated snack perfectionist who insists on symmetry.

If all you have is a hammer and you are unaware of a hammer's intended purpose, you probably would not be looking for nails.

My challenge to you is this – look at two or three of your most frequently used tools and rethink what they COULD do. Has your business outgrown your client onboarding process? When was the last time you looked at the updated features of your CRM? Is your social media strategy still doing what you wanted it to? (Did it ever?) What is something that you have “handled” frequently for a long time that may benefit from another look?

I'd love for you to tell me what you came up with, and what did or did not work.

And whatever you do, do NOT think about elephants.

A panoramic banner for 'The Genius Journal' featuring classic serif typography on a textured, parchment-style background. To the right, a close-up image shows a single water droplet falling into a calm pool, creating delicate, symmetrical ripples.

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What I'm doing these days...

I never imagined that a Hackathon is something in which I would participate, but here we are. Registering (for free) for the event includes a month of the software, plus $100 of large language model tokens to experiment with, plus live trainings from the company founders. If you have any interest in building AI agents, it's almost silly not to register. Click the image below for the link.

A promotional banner for the MindStudio Image and Video Creator Tools Hackathon. The graphic outlines the event schedule from February 14th through February 28th and highlights a call to action to 'Register for the Hackathon' to build AI-powered agents.

A cozy, atmospheric photo of a classic multi-story library with floor-to-ceiling bookshelves and a rolling ladder. An overlay features 'The Library' in an elegant serif font and a circular seal that says 'Vetted by Freya’s Arbor' with an 'Approved' stamp, highlighting a curated collection of resources for women entrepreneurs.

Strategic Resource Vault: Access to an evolving library of proprietary workbooks, downloadable templates, and on-demand course recordings specifically for sovereign leadership.

Event banner for 'The Money and Markets 101 Playbook: How Capital, Credit, Policy, and Psychology Shape Wealth.' Features headshots of six speakers, including Vena Jones-Cox and Kris Fleming, with details for the Sunday night Zoom series running from February 15th to March 29th.

I am sure that you are feeling the shifts, noticing the changes, and you desire to make prosperous choices about what comes next for you and yours. It may be cliche, but, for $47 total (not per week), can you really afford not to attend this multi-week course?

6 of 7 weeks still left! Check it Out

A sleek, dark green and gold brand graphic for 'DSCR FINANCING' featuring Kristin Fleming, NMLS 804170. The design uses elegant serif typography with a minimalist border, emphasizing professional lending services for real estate investors.

ASK ME ANYTHING

Continued from last week:

For lending, I'd like to hear from you. Send me any and all questions you have regarding financing investment real estate—no question is too small or too "basic."

As a thank you for your curiosity and in honor of our 7-Week series, everyone who sends a question will receive a free PDF download of my 42-page Financial Independence Workbook.

Plus, every question you send is an entry (up to 10) to win a free Infusion Coaching Packagea $510 value. I’ll be drawing one winner from all submissions to help them accelerate their own path to Resilient Freedom.

NMLS ID: 71640 Licensed States: AL | AK | AR | AZ | CA | CO | CT | DC | DE | FL | GA | IA | ID | IL | IN | KS | KY | LA | MA | MD | ME | MI | MN | MT | NC | NE | NH | NJ | NM | NV | OH | OK | OR | PA | RI | SC | TN | TX | UT | VA | WA | WI | WY

Do you have questions about DSCR loans or want a quote? Email me at hello@krisfleming.net, or click below.

DSCR Information

Generational Prosperity. Resilient Freedom.

This has been newsletter issue 2607, published on 20260220
View an archive at The Genius Journal.

Kristin Fleming, NMLS 804170
615.234.1236
hello@krisfleming.net

Copyright © 2026 The Genius Cultivator LLC, All rights reserved.
Our e-mail address is: support@krisfleming.net

The content provided is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Lending provided by Oaktree Funding Corp., NMLS# 71640. AZ State MB 0920541 www.nmlsconsumeraccess.org | Not all lending products are available in all states. Kris Fleming NMLS 804170 does not engage in consumer-purpose lending of any kind and this information is intended solely for business-purpose real estate investors. Equal Housing Lender.

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