1 00:00:01.595 --> 00:00:04.445 Welcome to the 2026 D Bank Connect Miami. 2 00:00:04.905 --> 00:00:07.285 I'm now with Richard Gibo of Penn Star. 3 00:00:07.675 --> 00:00:08.845 Tell me about Penn Star. 4 00:00:09.225 --> 00:00:11.285 So, Penn Star, we help a lot of clients get access 5 00:00:11.285 --> 00:00:13.845 to capital by, uh, leveraging their personal credit 6 00:00:13.865 --> 00:00:14.845 and then also building up their 7 00:00:15.005 --> 00:00:16.365 business credit profile as well. And 8 00:00:16.365 --> 00:00:17.645 What type of customers are these? 9 00:00:17.985 --> 00:00:19.365 So we typically deal with business owners 10 00:00:19.445 --> 00:00:20.965 that's making like $10,000 a month 11 00:00:20.965 --> 00:00:24.045 or more who are maybe struggling to get funded 12 00:00:24.045 --> 00:00:28.245 because banks don't provide typical, you know, allowances 13 00:00:28.265 --> 00:00:30.485 to high risk industries like trucking 14 00:00:30.545 --> 00:00:32.205 and credit repair and things like that. 15 00:00:32.505 --> 00:00:33.645 So a lot of times we'll take them 16 00:00:33.675 --> 00:00:34.725 also on a credit repair company. 17 00:00:34.975 --> 00:00:36.925 We'll take them, structure their personal credit, right? 18 00:00:37.225 --> 00:00:39.405 Put their business in position to actually get the capital, 19 00:00:39.545 --> 00:00:41.165 and then we kind of, you know, see 20 00:00:41.165 --> 00:00:42.405 what options are available for 'em. 21 00:00:42.805 --> 00:00:44.285 Interesting. So why is it important for you 22 00:00:44.305 --> 00:00:45.485 to come to an event like this? 23 00:00:45.865 --> 00:00:47.365 So really to learn. There's so many people 24 00:00:47.365 --> 00:00:48.845 that's doing way more than I am 25 00:00:49.225 --> 00:00:50.845 who probably know way more than I do. 26 00:00:51.105 --> 00:00:52.805 And I'm, I'm always a student, so I'm always looking 27 00:00:52.805 --> 00:00:54.525 to learn and see who I can learn from. So you can 28 00:00:54.715 --> 00:00:56.445 Gain that gold star, correct? 29 00:00:56.605 --> 00:00:58.525 Correct, correct. So is 30 00:00:58.525 --> 00:00:59.605 this your first de banked event? 31 00:00:59.635 --> 00:01:00.725 This is my first one. It's 32 00:01:00.725 --> 00:01:01.765 definitely interesting for sure. 33 00:01:02.035 --> 00:01:03.805 What do you think? What do you think so far? 34 00:01:04.305 --> 00:01:06.085 So I like that the people are super serious. 35 00:01:06.385 --> 00:01:07.805 You know, a lot of rooms you can get into 36 00:01:07.805 --> 00:01:09.645 and people are not really serious about what they do, 37 00:01:09.825 --> 00:01:10.885 but as soon as I walked in, 38 00:01:10.885 --> 00:01:12.165 people start walking, shaking my hand. 39 00:01:12.165 --> 00:01:13.645 They're like, what's your name? What do you do? 40 00:01:13.705 --> 00:01:15.805 Get my number. And I'm pretty sure I'm gonna make 41 00:01:15.805 --> 00:01:16.885 a lot of good connections over here. 42 00:01:16.995 --> 00:01:18.765 What type of connections are you looking to build? 43 00:01:19.265 --> 00:01:21.845 So I wanna build more relationships with direct lenders. 44 00:01:22.145 --> 00:01:23.565 Uh, 'cause I know there's a lot of 'em here, 45 00:01:23.585 --> 00:01:25.605 but also just other people who's 46 00:01:25.605 --> 00:01:26.685 doing like, pretty much what I'm doing. 47 00:01:26.685 --> 00:01:28.125 So I can know how they're scaling and 48 00:01:28.125 --> 00:01:29.205 we can kind of share information. 49 00:01:29.885 --> 00:01:31.005 I think you'll find that here today. 50 00:01:31.105 --> 00:01:32.685 Oh, I think so. I think so. So 51 00:01:32.685 --> 00:01:35.125 This will be the first of many de banked events in Oh, 52 00:01:35.125 --> 00:01:36.125 Definitely. I'm coming to the 53 00:01:36.125 --> 00:01:37.285 next one in New York. 54 00:01:37.365 --> 00:01:38.965 I already looked at it. I'm gonna put it on my calendar. 55 00:01:39.265 --> 00:01:40.325 We can't wait to see you there. 56 00:01:40.475 --> 00:01:41.605 Yeah. Thank you. I appreciate it. 57 00:01:41.945 --> 00:01:44.005 All right. And there's still more to come from de banked 58 00:01:44.005 --> 00:01:44.365 Connect.