1 00:00:00.275 --> 00:00:03.205 Welcome to the 2025 Deep Bank Connect in Miami. 2 00:00:03.685 --> 00:00:05.365 I am now joined with Cheryl Tibs 3 00:00:05.365 --> 00:00:06.765 of Commercial Capital Connect. 4 00:00:06.835 --> 00:00:07.965 Nice to see you. Nice 5 00:00:07.965 --> 00:00:08.965 To see you again. 6 00:00:09.025 --> 00:00:10.605 What's been going on in 2025? 7 00:00:10.865 --> 00:00:13.405 Oh, we've been busy. We have really been busy. 8 00:00:13.755 --> 00:00:15.445 Tell me more. What's happening? Um, 9 00:00:15.535 --> 00:00:18.125 We're seeing a lot of working capital, uh, a lot 10 00:00:18.125 --> 00:00:19.325 of bundle type products. 11 00:00:19.625 --> 00:00:21.205 My product is primarily equipment. 12 00:00:21.625 --> 00:00:24.445 Um, so we've been bundling working capital with equipment. 13 00:00:24.445 --> 00:00:25.445 We've been seeing a lot of that. 14 00:00:25.915 --> 00:00:27.405 Were you staying busy for the whole year? 15 00:00:28.385 --> 00:00:29.485 No, I've gotta travel. 16 00:00:31.355 --> 00:00:33.005 Yeah, I've got some traveling to do, 17 00:00:33.665 --> 00:00:35.525 But business will stay busy, I hope. Yes. 18 00:00:35.925 --> 00:00:38.325 Business should stay busy. What are you seeing 19 00:00:38.325 --> 00:00:39.485 happening for the rest of this year? 20 00:00:40.385 --> 00:00:42.365 Um, I think business is gonna pick up, 21 00:00:42.625 --> 00:00:46.045 um, industry is moving. 22 00:00:46.585 --> 00:00:48.325 Uh, people are wanting capital. 23 00:00:49.025 --> 00:00:50.165 Uh, I think the guidelines 24 00:00:50.165 --> 00:00:53.085 with banks is gonna tighten up even more than it is right 25 00:00:53.085 --> 00:00:54.725 now, and that's gonna push more people 26 00:00:54.785 --> 00:00:56.405 to the alternative space. 27 00:00:56.545 --> 00:00:59.885 So I think brokers and funders will be very busy. 28 00:01:00.865 --> 00:01:03.445 The economy seems to be going in a different direction, 29 00:01:03.665 --> 00:01:06.685 so we're adjusting things to, uh, fit that space. 30 00:01:07.685 --> 00:01:08.765 Absolutely, absolutely. 31 00:01:08.865 --> 00:01:11.725 And you know, we came outta Covid during Covid. 32 00:01:12.225 --> 00:01:13.765 We had to make some adjustments. 33 00:01:14.025 --> 00:01:16.205 So even with the economy crazy 34 00:01:16.465 --> 00:01:18.725 and the political landscape, right now, 35 00:01:18.985 --> 00:01:20.005 we just have to adjust. 36 00:01:20.785 --> 00:01:23.405 We gotta move. Roll with the punches, adjust our swing. 37 00:01:23.845 --> 00:01:25.165 Absolutely. Who moved my cheese? So you 38 00:01:25.165 --> 00:01:27.085 gotta move with the cheese baby. Move with the cheese. 39 00:01:27.245 --> 00:01:28.405 I, I like that. We're 40 00:01:28.425 --> 00:01:30.245 but not stinky cheese. Regular cheese? No, no 41 00:01:30.245 --> 00:01:32.085 Regular cheese. That cheese. 42 00:01:32.785 --> 00:01:35.285 Oh, I like that type of cheese. The moolah cheese. Yes. 43 00:01:35.505 --> 00:01:37.485 Yes, Yes. Well always great to see you. 44 00:01:37.685 --> 00:01:38.925 I hope you're enjoying today. Miami. 45 00:01:39.075 --> 00:01:40.525 What are you looking to get out of today? 46 00:01:41.145 --> 00:01:42.405 I'm excited for Broker Battle. 47 00:01:42.965 --> 00:01:46.085 I like that it's broken down into three segments this year. 48 00:01:46.135 --> 00:01:48.165 We've got the revenue base, the equipment, 49 00:01:48.265 --> 00:01:52.005 and I believe SBA, I'm one of the judges for the equipment 50 00:01:52.465 --> 00:01:54.525 and so I'm really looking, uh, forward 51 00:01:54.585 --> 00:01:58.085 to seeing the brokers competing for that broker of the, 52 00:01:58.225 --> 00:02:00.765 you know, year, uh, in the equipment space. 53 00:02:00.945 --> 00:02:02.605 So it's gonna be really good. 54 00:02:02.985 --> 00:02:04.685 Do you feel pressure as a judge this year? 55 00:02:04.945 --> 00:02:07.045 Oh no, no. It was easy peasy last year, 56 00:02:07.145 --> 00:02:09.205 so I'm a veteran doing that thing, so yeah, 57 00:02:09.965 --> 00:02:11.405 I think you're a tough one to get by. 58 00:02:11.985 --> 00:02:14.765 That's what I hear. Well, always great to see you 59 00:02:14.765 --> 00:02:16.205 and thank you for spending some time with me. 60 00:02:16.225 --> 00:02:17.725 And there's still more to come from Miami.