Running a business means constantly making decisions: some strategic, others more subtle but just as important. For The Motoring Club, RG Jewelry, and Burger Lounge, monitoring their business credit became one of those small but impactful steps. With Tento’s embedded tools, each business gained better visibility into their financial health, helping them plan and grow with more clarity.

Founded in 2019 as a clubhouse for car enthusiasts in Los Angeles, The Motoring Club has since grown into a multi-location lifestyle brand. From its roots in Marina del Rey to its flagship HQ in West LA and new Cow Hollow outpost in San Francisco, the business has been in motion, literally.

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As the business expanded, so did the complexity—multiple revenue streams, rising operating costs, and new regulations in each city. “Business credit monitoring gave us a pulse check,” says founder Michael Rapetti. “It was less about chasing funding and more about knowing we could make the right moves—faster, and with less risk.”

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Like many founders, Rapetti initially relied on personal credit to get the business off the ground. Years later, he was surprised to learn how much that early decision still impacted his ability to access financing—even with strong business performance. “I didn’t even know we had a business credit score, let alone how it factored into loan decisions,” he says. “Just getting that visibility helped us take stock of where we stood and start thinking differently about how we grow.”

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Sustainability, community, and transparency have always been part of RG Jewelry’s DNA. When founders Rachel and Justin Karcich launched their first brick-and-mortar in Atwater Village in 2020, they were doing more than selling beautiful, ethical jewelry, they were building something to last.

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“Business credit monitoring gave us two things: access to our credit data that we didn’t know existed and a path to boost our score to qualify for better financing,” says Rachel Karcich. “Now we have the business intelligence to take advantage of opportunities to fuel our growth.”

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That growth includes locations in San Clemente, La Jolla, and a soon-to-open fourth location at the Irvine Spectrum Center in Orange County. “It’s not just about the financing. It’s about having the foundation to scale responsibly,” adds Justin.

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With deep roots in quality—from the son of a butcher to one of Forbes’ top burger joints—Burger Lounge has grown steadily across Southern California. But as the fast-casual industry heats up, margins tighten and operational decisions become more strategic than ever.

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“Our goal is always to serve the best burger possible, but now we’re also watching every number,” said a rep from the Burger Lounge team. “Tento’s tools helped us negotiate better terms with vendors and spot areas we could improve before they became issues.”

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With real-time insights and fraud prevention features baked in, credit monitoring has helped Burger Lounge stay focused on what they do best: feeding California, one grass-fed burger at a time.

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