1 00:00:00.025 --> 00:00:00.725 Hi, welcome back. 2 00:00:00.745 --> 00:00:04.765 So we have a very, very, very interesting guess two guests, 3 00:00:05.225 --> 00:00:07.245 um, very interesting things that they're doing, 4 00:00:07.545 --> 00:00:08.685 uh, with Landini. 5 00:00:08.785 --> 00:00:10.885 So both of you guys introduce yourself 6 00:00:11.185 --> 00:00:13.325 and what you guys do with landini. 7 00:00:13.745 --> 00:00:15.365 So I'm Melissa Fernandez. 8 00:00:15.445 --> 00:00:17.165 I am an ISO manager with landini 9 00:00:17.265 --> 00:00:18.725 and I've been with them for 10 years. 10 00:00:19.825 --> 00:00:24.005 My name is Dash. Um, I've been only this year with Nini, 11 00:00:24.105 --> 00:00:26.085 but yeah, it's been a whole experience. I love it. 12 00:00:26.545 --> 00:00:27.965 So what does Nini do? 13 00:00:28.385 --> 00:00:30.365 So we provide revenue based financing. 14 00:00:30.865 --> 00:00:33.685 So anything from second, third positions, fourth positions, 15 00:00:33.865 --> 00:00:37.045 you know, we're there to, to kind of give the money out and 16 00:00:37.105 --> 00:00:38.105 We were talking off camera. You 17 00:00:38.105 --> 00:00:39.845 guys have a very unique angle on 18 00:00:39.845 --> 00:00:41.165 the business, so talk to me about that. 19 00:00:41.625 --> 00:00:43.765 So we're actually based in Costa Rica. 20 00:00:44.345 --> 00:00:47.925 So anything that comes from like, you know, bank analysis, 21 00:00:47.925 --> 00:00:49.845 submissions that's being handled over there. 22 00:00:50.305 --> 00:00:52.565 So, you know, we have a lot of people working in the office. 23 00:00:52.585 --> 00:00:54.405 We have about like 200 people working in the office. 24 00:00:54.785 --> 00:00:57.205 So, you know, we're very dedicated, very passionate, 25 00:00:57.205 --> 00:00:58.565 hardworking, and you know, 26 00:00:58.565 --> 00:00:59.925 we're there to, to do what we can. 27 00:01:00.465 --> 00:01:03.325 So, coming to an event like this, how is it beneficial 28 00:01:03.585 --> 00:01:05.165 for you guys as a company 29 00:01:05.385 --> 00:01:07.405 and then for the Costa Rica office? 30 00:01:08.145 --> 00:01:09.765 So it's very different 31 00:01:09.765 --> 00:01:11.605 because we don't have direct access 32 00:01:11.605 --> 00:01:14.045 to everyone since we're all the way down there. 33 00:01:14.545 --> 00:01:17.285 So it's nice and it's very refreshing when we do come 34 00:01:17.685 --> 00:01:20.165 'cause we're able to see everybody in person have those real 35 00:01:20.165 --> 00:01:21.165 conversations in person. 36 00:01:21.505 --> 00:01:23.085 So it makes, I feel like it's more 37 00:01:23.085 --> 00:01:25.725 of a greater impact when we have everybody in front of us 38 00:01:25.745 --> 00:01:27.565 and like being able to interact. 39 00:01:28.265 --> 00:01:31.045 So this is your first time at this type of event. 40 00:01:31.555 --> 00:01:33.365 Talk to me about the benefit. 41 00:01:33.555 --> 00:01:36.205 Like what have you seen and what are you taking away? 42 00:01:36.995 --> 00:01:39.005 Well, like you said, it's my first time here, 43 00:01:39.105 --> 00:01:43.925 so the whole experience has been something overwhelming. 44 00:01:44.355 --> 00:01:46.685 Yeah. Not so bad in like, in a bad way, 45 00:01:46.685 --> 00:01:49.365 but I do feel like getting to see everybody face to face, 46 00:01:49.365 --> 00:01:51.445 getting to see the competition, getting 47 00:01:51.445 --> 00:01:54.405 to at least like meet people from everywhere is definitely 48 00:01:54.405 --> 00:01:56.325 something I didn't think I would be able 49 00:01:56.325 --> 00:01:57.565 to do since I'm all the way over there. 50 00:01:57.785 --> 00:01:59.845 So getting the opportunity to be here, getting 51 00:01:59.845 --> 00:02:02.125 to know everybody, getting to meet my ISOs. 52 00:02:02.225 --> 00:02:05.405 Um, I'm also an ISO manager so I'd be able to communicate 53 00:02:05.405 --> 00:02:08.045 with them, connect more, which is like, sort of 54 00:02:08.045 --> 00:02:10.165 what I was missing on the phone is not the same thing 55 00:02:10.185 --> 00:02:12.605 as being able to be like, okay, I recognize your face. 56 00:02:12.775 --> 00:02:13.925 Let's, let's talk more. 57 00:02:14.265 --> 00:02:16.085 So definitely that's what I'm taking home. 58 00:02:16.345 --> 00:02:18.725 The whole experience, communicating with people, getting 59 00:02:18.725 --> 00:02:21.245 to know them, it's fun. It's a fun experience. 60 00:02:21.545 --> 00:02:23.965 So talk to me about your niche. 61 00:02:23.995 --> 00:02:26.245 Like who are the specific customers you 62 00:02:26.245 --> 00:02:27.325 guys are trying to aim for? 63 00:02:28.225 --> 00:02:30.765 So I would say any business 64 00:02:30.765 --> 00:02:34.085 that has like a credit card processor is gonna score well 65 00:02:34.085 --> 00:02:36.765 with us because if something were to happen, we have 66 00:02:36.765 --> 00:02:38.685 that backup where we're, we're able to collect 67 00:02:38.685 --> 00:02:40.845 because collectibility is, is, is big with us. 68 00:02:41.465 --> 00:02:44.405 Um, if you have a second, third position, that's 69 00:02:44.405 --> 00:02:46.045 where we like to be at because it's someone 70 00:02:46.045 --> 00:02:47.845 that already had an MCA 71 00:02:48.025 --> 00:02:49.525 and they kind of already know the game. 72 00:02:49.595 --> 00:02:51.045 They know what we ask for. 73 00:02:51.135 --> 00:02:52.085 There isn't gonna be any 74 00:02:52.325 --> 00:02:53.485 surprises. They kind of know the deal. 75 00:02:54.345 --> 00:02:56.125 So overall, what's the biggest, uh, 76 00:02:56.445 --> 00:02:58.485 takeaway from being here that you guys are gonna take home 77 00:02:58.515 --> 00:02:59.590 back to, to Costa Rica? 78 00:03:00.445 --> 00:03:03.285 I mean, it's a lot of fun to see our competitors 79 00:03:03.285 --> 00:03:06.885 because even though we are, you know, compet 80 00:03:06.885 --> 00:03:08.685 with compet competing, it's nice 81 00:03:08.685 --> 00:03:09.805 because we can also be friendly. 82 00:03:10.045 --> 00:03:12.285 I, I feel like there's enough business to go around 83 00:03:12.665 --> 00:03:15.085 and it's nice to be able to interact with, you know, 84 00:03:15.385 --> 00:03:16.925 our other funders that are out there 85 00:03:17.505 --> 00:03:19.365 and it's just a whole experience. 86 00:03:19.665 --> 00:03:21.685 And for you, your Takeaway? I agree. Yeah. 87 00:03:21.805 --> 00:03:24.965 I think meeting and seeing the competition is a lot 88 00:03:24.965 --> 00:03:26.005 more, you can learn from them. 89 00:03:26.105 --> 00:03:28.805 You can take something away from them. So it, it's fun. 90 00:03:28.885 --> 00:03:29.925 I, I feel like it's, 91 00:03:29.955 --> 00:03:31.645 it's a good opportunity even though they're 92 00:03:31.645 --> 00:03:33.845 competition, we can make it friendly. Yeah. 93 00:03:34.185 --> 00:03:35.805 So I guess the last question is, 94 00:03:35.965 --> 00:03:38.525 what makes you guys different compared to the competition? 95 00:03:39.995 --> 00:03:43.285 Well, I'm passionate, like I am, when I tell you 96 00:03:43.285 --> 00:03:46.245 that if I have to stay up until like eight, nine o'clock 97 00:03:46.265 --> 00:03:48.565 to get a deal funded, I'm your girl. 98 00:03:49.155 --> 00:03:50.365 It's, it's, it's intense. 99 00:03:50.745 --> 00:03:53.165 Uh, it communication is key for me. 100 00:03:53.165 --> 00:03:55.125 Picking up the phone, speaking, Hey, 101 00:03:55.245 --> 00:03:56.325 I need this to get this funded. 102 00:03:56.325 --> 00:03:57.405 Look, I worked over this. 103 00:03:58.015 --> 00:04:00.365 Let's just get, get it to me so I can get it funded. 104 00:04:00.465 --> 00:04:02.765 So I think passion is is really big with us. 105 00:04:03.465 --> 00:04:06.085 We have the Costa Rican customer service, so we, 106 00:04:06.225 --> 00:04:07.845 we definitely have that attention. 107 00:04:08.105 --> 00:04:11.525 We give them the what they need, so we're always trying 108 00:04:11.525 --> 00:04:13.525 to be there for them, always available. 109 00:04:14.195 --> 00:04:17.925 Just trying to make sure that they feel like, like, 110 00:04:17.925 --> 00:04:19.125 you know, they're being treated well. 111 00:04:19.125 --> 00:04:20.325 Like we want the same thing, 112 00:04:20.325 --> 00:04:22.165 we have the same goals we both wanna fund. 113 00:04:22.585 --> 00:04:25.045 So yeah, I guess that's it. Awesome. 114 00:04:25.045 --> 00:04:25.485 Thank you. A.