1 00:00:00.515 --> 00:00:03.365 Welcome to the 2025 Deep Bank Connect in Miami. 2 00:00:03.785 --> 00:00:06.245 I'm now with Jessica Edra of New Funds Capital. 3 00:00:06.545 --> 00:00:07.765 How are you today? I'm 4 00:00:07.765 --> 00:00:09.085 Doing great. How are you doing, Allison? 5 00:00:09.295 --> 00:00:10.885 Great. Tell me about new funds capital. 6 00:00:11.425 --> 00:00:13.925 So we are in a micro advanced position. 7 00:00:14.065 --> 00:00:15.325 We do A and B paper. 8 00:00:15.945 --> 00:00:18.325 We, I like to think that we separate ourselves 9 00:00:18.325 --> 00:00:20.565 because I do a deep dive into credit. 10 00:00:20.905 --> 00:00:23.365 So I'm not just looking at the score and going off of that. 11 00:00:23.545 --> 00:00:25.765 I'm doing a deep dive of your credit, trying 12 00:00:25.765 --> 00:00:27.885 to see if it's covid times that brought you down. 13 00:00:28.215 --> 00:00:30.005 Maybe you're a doctor who's just trying 14 00:00:30.005 --> 00:00:31.005 to pay off your student loans, 15 00:00:31.005 --> 00:00:32.565 putting everything into your business 16 00:00:32.565 --> 00:00:33.965 and your score might not be that great. 17 00:00:34.425 --> 00:00:36.685 So we like to lend to those types of people 18 00:00:36.755 --> 00:00:39.205 that have the intentions and means to payback 19 00:00:39.385 --> 00:00:41.165 and are looking for that kind of bridge 20 00:00:41.305 --> 00:00:42.645 to help them with their business. 21 00:00:43.105 --> 00:00:44.605 So your customer is all over 22 00:00:44.605 --> 00:00:45.685 the place. It could be anyone. 23 00:00:46.245 --> 00:00:49.605 Absolutely, yes. So part of your due diligence is 24 00:00:49.605 --> 00:00:51.645 what differentiates you from others in the industry? 25 00:00:51.905 --> 00:00:53.165 Yes, and we do like to be very 26 00:00:53.165 --> 00:00:54.205 personable with our clients. 27 00:00:54.265 --> 00:00:56.565 We like to keep that open line of communication. 28 00:00:57.185 --> 00:00:58.845 We are always there for them as well. 29 00:00:58.985 --> 00:01:01.525 If they foresee a problem in their business, we like 30 00:01:01.525 --> 00:01:04.085 to be there for them to help 'em put a pause on 31 00:01:04.085 --> 00:01:05.205 their payments and work with them. 32 00:01:05.225 --> 00:01:06.645 You know, we're not trying to send you right 33 00:01:06.645 --> 00:01:08.165 to collections or anything like that. 34 00:01:08.985 --> 00:01:10.565 I'm sure your customers appreciate that. 35 00:01:11.035 --> 00:01:14.485 Some do some, you know, it's an iffy industry at times, 36 00:01:14.905 --> 00:01:16.125 but that's why we're here 37 00:01:16.445 --> 00:01:17.445 Without a doubt. So 38 00:01:17.445 --> 00:01:18.765 how's the year been for you so far? 39 00:01:19.115 --> 00:01:21.205 It's been good. We're still very much so growing 40 00:01:21.385 --> 00:01:23.925 and in that space, but we're headed in the right direction. 41 00:01:24.305 --> 00:01:26.005 You know, the industry's constantly changing, 42 00:01:26.145 --> 00:01:27.725 the economy's constantly changing. 43 00:01:28.185 --> 00:01:30.885 So we're trying to stay up with all that and be progressive. 44 00:01:31.025 --> 00:01:32.245 What's some of the biggest changes 45 00:01:32.265 --> 00:01:33.565 you're seeing for this year? 46 00:01:34.385 --> 00:01:37.405 Um, fraud. You know, fraud, 47 00:01:37.465 --> 00:01:39.965 people submitting square statements, trying 48 00:01:39.965 --> 00:01:42.165 to get those statements that the funds 49 00:01:42.185 --> 00:01:43.525 are actually going into. 50 00:01:44.275 --> 00:01:46.885 Just trying to keep in touch with the economy really. 51 00:01:46.885 --> 00:01:48.805 And all the changes taking place in that with people 52 00:01:48.805 --> 00:01:52.005 that are hurting, wanting to really benefit them, 53 00:01:52.225 --> 00:01:54.325 not maximize their profits. And 54 00:01:55.065 --> 00:01:56.125 You're there for your people. 55 00:01:56.345 --> 00:01:57.525 We are. We Are. And, 56 00:01:57.545 --> 00:02:00.005 and we appreciate you being here for us today. Of 57 00:02:00.005 --> 00:02:01.005 Course. Yeah. We're very 58 00:02:01.005 --> 00:02:01.885 honored to be here 59 00:02:01.885 --> 00:02:02.925 and be a part of this event. 60 00:02:03.315 --> 00:02:04.845 Well, thank you for spending some time with me. 61 00:02:04.865 --> 00:02:07.245 And there's still more to come from Miami from.