1 00:00:00.355 --> 00:00:03.405 Welcome to the 2025 D Bank Connect in Miami. 2 00:00:03.745 --> 00:00:05.405 I'm now joined with Michelle Ramirez 3 00:00:05.405 --> 00:00:06.845 with Len Bug. How are you? 4 00:00:07.345 --> 00:00:08.845 I'm good. How are you? Great. 5 00:00:08.995 --> 00:00:10.765 Tell me about today's show so far for you. 6 00:00:10.945 --> 00:00:12.365 So today is my first show. 7 00:00:12.565 --> 00:00:15.925 I got here a little while ago, so, um, definitely fun. 8 00:00:15.995 --> 00:00:17.845 I've, you know, met a couple of people that I work 9 00:00:17.845 --> 00:00:20.245 with already, so it's great to, you know, put a face 10 00:00:20.245 --> 00:00:21.565 to the name, you know, so 11 00:00:21.565 --> 00:00:22.965 it's been going really well so far. I'm, 12 00:00:22.965 --> 00:00:24.525 That's what de banked events are all 13 00:00:24.525 --> 00:00:25.645 about, getting people together. 14 00:00:25.795 --> 00:00:26.845 Yeah, yeah, for sure. 15 00:00:26.945 --> 00:00:27.925 I'm like so excited to go 16 00:00:27.925 --> 00:00:29.045 around and, you know, just network. 17 00:00:29.935 --> 00:00:32.245 How's, what's new for Lend Bug this year? So 18 00:00:32.505 --> 00:00:34.045 We are a private direct lender. 19 00:00:34.385 --> 00:00:35.805 Um, we work with our money. 20 00:00:36.345 --> 00:00:37.845 Uh, we don't pull from anything else, 21 00:00:38.185 --> 00:00:40.685 so right now our guidelines are really, you know, 22 00:00:40.755 --> 00:00:42.125 like moving with the industry. 23 00:00:42.225 --> 00:00:43.965 So that's recently what we've been doing. 24 00:00:44.225 --> 00:00:46.125 And where do you see things moving this year? 25 00:00:46.945 --> 00:00:49.085 Uh, honestly, I couldn't predict, you know, 26 00:00:49.085 --> 00:00:50.325 the MCA business is always 27 00:00:50.565 --> 00:00:51.725 changing, you know, last six months. 28 00:00:51.725 --> 00:00:53.405 Were way different from what it is now, 29 00:00:53.545 --> 00:00:55.485 so I'm just excited to see how it goes. 30 00:00:55.915 --> 00:00:57.325 Hopefully all the way up. 31 00:00:57.715 --> 00:00:59.805 Yeah. Yeah. Hopefully we can always hope for that. 32 00:01:00.435 --> 00:01:02.205 What type of trends are you seeing happening in 33 00:01:02.205 --> 00:01:03.245 the industry these days? 34 00:01:04.005 --> 00:01:07.165 Hmm. A lot of, Hmm. That's a tough one. 35 00:01:07.685 --> 00:01:12.045 I think there's a lot of, you know, you know, new lenders, 36 00:01:12.465 --> 00:01:14.685 you know, really competing with them, seeing 37 00:01:14.685 --> 00:01:16.565 what they're doing versus what we're doing 38 00:01:16.585 --> 00:01:18.365 and, you know, trying to meet that middle ground so 39 00:01:18.365 --> 00:01:19.685 that we all can make some money. 40 00:01:19.745 --> 00:01:20.765 Of course. Um, 41 00:01:20.785 --> 00:01:23.045 but recently, that's what I've been seeing so far. Yeah. 42 00:01:23.385 --> 00:01:25.965 And hopefully more things, more good things to come. Yeah, 43 00:01:25.985 --> 00:01:26.985 Of course. We're always hoping 44 00:01:26.985 --> 00:01:27.485 for the best. 45 00:01:27.795 --> 00:01:29.645 Yeah. Well, thank you for spending some time with me. 46 00:01:29.825 --> 00:01:31.565 And there's still more to come from Miami.