The Genius Cultivator

Kris Fleming

I call myself, "The Genius Cultivator," not because I am the genius, but because YOU are. You are the genius and I help you grow.

Certified Entrepreneur Coach

Serial Entrepreneur

Licensed Mortgage Originator, NMLS 804170

Kris Fleming

You – Distilled

The Underwriter's Audit

Most business coaching relies on a "Borrowed Blueprint." Business owners are often told to build a house using someone else’s measurements, in a climate they don’t live in, with tools they don’t know how to use. The concept of a, "business in a box," is interesting to me because even the person selling it is not using their own blueprint. Why should anyone else?

These standard offerings are a surefire route to the Hamster Wheel of Frustration—working 60+ hours a week in an attempt to fund a lifestyle that exhaustion makes impossible to enjoy.

I don't provide a blueprint to my success; I provide a path to You – Distilled, and we blueprint your success together based on that immovable and unique foundation – You.

I've spent nearly two decades in the world of commercial lending and underwriting, and private equity. I’ve audited the ledgers of thousands of businesses while quietly observing the business owners. The pattern was as clear to me as the nose on my face, as they say. The people who are truly prosperous, not just financially but in all the ways that matter, are working within alignment of their truest selves.

An Entrepreneur's Go

I've taken multiple turns on the Entrepreneur ride, one year filing tax returns on 17 separate business entities, and I recognized the pattern within myself: I love, am passionate about, could not stop if I wanted to, building and transforming businesses, and more importantly, business owners. So, I systematically shuttered or sold nearly all of those 17, and leaned into one business that supports others in building and transforming businesses, and themselves. Thus, The Genius Cultivator was born.

The Natural State

It is not an accident that I use metaphors and illustrations from gardening and the natural world. It's because I believe that the innate existence of each of us as individuals, our Capital of Self, is our most valuable asset and resource.

With my clients, I use my proprietary Vital Center framework to find that precise intersection where their most personally valuable and most prosperous work resides. We pinpoint the "kryptonite tasks" that drain their Capital of Self. We ensure their "Yes" is expensive and their time is non-negotiable.

The Sovereign Result

I am the girl who ran away from foster care at 17 and bought her first house at 18. I am a serial entrepreneur, a financier, and a "paint-by-number" enthusiast who values peace over the "7-figure grind."

I am not a motivational speaker. I am a Responsibility Solvent. I exist to dissolve the administrative and cognitive noise keeping you from your Genius.

If your business feels like a heavy coat that doesn't fit and you can’t take off, it’s time to find your Vital Center.

Some of My Credentials

Certified Entrepreneur Coach

Certified Small Business Coach

Joint Venturer & Serial Entrepreneur

International Banking Academy trained Loan Officer (passed with distinction

American Banking Academy: Certified Commercial Lender and Underwriter

National Association of Commercial Underwriters: Certified Underwriter

American Association of Private Lenders: Certified Private Lending Associate

American Association of Private Lenders: Certified Fund Manager

Licensed mortgage originator (NMLS 804170)

You – Distilled.

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Contact Us

The Genius Cultivator

116 Agnes Rd Ste 200, Knoxville Tennessee 37919

(615) 234-1236

© The Genius Cultivator - 2026

All Rights Reserved