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Sometimes the best way to build a successful business is to see where the company can make the most impact.

This was the philosophy of Navy veteran Dennis Cail, a loan company at the time, Zirtue, which allowed friends and family to lend each other to better ensure they would be paid back. As Cail explains, the use of digital promissory notes creates paper trails and creates payment plans to ensure funds are paid off, eliminating the need for unmet Venmo requests and high-interest payday loans.

After four years in the Navy, Kyle attributed his trajectory to his education at Southern Methodist University. Although the military is a basic part of his experience, he said in the Yahoo Finance Warrior Currency Podcast that it was his education - partly paid for the GI Act - that helped his journey as an entrepreneur.

“It’s one thing to have military experience, and it gives me a lot of discipline, which is a lot of focus I didn’t have before,” he said. “Once I was educated, it opened the door to all the opportunities and possibilities there. I started trying to use my God-given talents and skills to figure out how I could help.”

Now Zirtue runs on the same principle by listening to consumers and trying to find solutions to them.

“Our whole mission is a relationship that drives financial equity and inclusiveness at once, and we do that by simplifying loans between friends and family,” Kyle explained. “We have the entire model of partnerships with purposeful ones. So, well, we don’t force you to get a bank account. Maybe we can put you where you can get the money you need to pay the bills you need now, and then graduate your graduate bank account and credit product from the traditional bank account and credit product that serves you. But, let you meet you today.”

Zirtue’s efforts to meet customers include a partnership with Moneygram, which has enabled 5.6 million Americans who have no bank accounts to use the service to grow new opportunities for the company and get customers to start financially.

The company has also expanded to provide similar payment plan services to small businesses looking to obtain unrealized invoices, helping many of them stay solvency.

“We basically allow these companies to establish payment terms with companies and consumers who owe their funds, rather than writing them down,” Kyle explained. “Essentially, this allows them to allow these suppliers and customers to pay over time, but at least they can capture it as income rather than writing down income.”