1 00:00:00.585 --> 00:00:01.165 Hey everyone. 2 00:00:01.165 --> 00:00:03.645 Alison Berger here at Broker Fair, 2024. 3 00:00:03.865 --> 00:00:06.165 I'm with Simon Ween with Radiance Funding. 4 00:00:06.315 --> 00:00:07.365 Tell me about Radiance. 5 00:00:07.725 --> 00:00:09.485 Radiance is a direct funder. 6 00:00:09.555 --> 00:00:11.045 I've been in the industry for a long time, 7 00:00:11.105 --> 00:00:13.005 but we mainly focus on first two 8 00:00:13.005 --> 00:00:14.445 third positions, clean paper. 9 00:00:15.305 --> 00:00:17.645 Um, in this industry, there's a lot 10 00:00:17.645 --> 00:00:19.245 of high risk stuff, 1, 4, 9. 11 00:00:19.475 --> 00:00:21.045 I've never done a 1 4 9 in my life. 12 00:00:21.985 --> 00:00:25.205 So mainly first two thirds really a, I like 13 00:00:25.205 --> 00:00:27.325 to call it a minus b plus paper. 14 00:00:28.225 --> 00:00:30.565 Um, and people who know me trust me, 15 00:00:30.565 --> 00:00:31.485 and they have great relationships, 16 00:00:31.485 --> 00:00:33.085 and that's what we're really focused on. Relationships. 17 00:00:33.765 --> 00:00:34.985 How do people know to trust you? 18 00:00:36.005 --> 00:00:38.965 I mean, through my time, people have seen, uh, well, first 19 00:00:38.965 --> 00:00:40.165 of all, it comes to backdooring. 20 00:00:40.265 --> 00:00:42.445 People have seen that they've never had an issue with, 21 00:00:42.505 --> 00:00:43.685 uh, deals going out. 22 00:00:43.685 --> 00:00:45.885 They've never seen a deal get sent to me 23 00:00:45.885 --> 00:00:47.725 and then, you know, get called right after. 24 00:00:47.865 --> 00:00:48.765 Now, if they send it to other 25 00:00:48.765 --> 00:00:50.125 funders, you know, that could happen. 26 00:00:51.325 --> 00:00:53.305 But, um, I, 27 00:00:53.305 --> 00:00:54.985 I've really developed it and, and people know me. 28 00:00:54.985 --> 00:00:58.345 I've, I've, I've always, um, given I, I, I always, 29 00:00:58.345 --> 00:00:59.465 that's my main thing, relationships. 30 00:00:59.495 --> 00:01:02.145 I've always given them a lot of time, effort, energy. 31 00:01:03.165 --> 00:01:05.025 Um, so I mean, 32 00:01:05.025 --> 00:01:07.025 it's just something I've cultivated over a lot of years 33 00:01:08.205 --> 00:01:10.865 and I feel like people can just feel it as well. 34 00:01:11.085 --> 00:01:13.425 But I, I, I feel like I have a good history of, of, 35 00:01:13.485 --> 00:01:15.745 of always paying on time 36 00:01:15.925 --> 00:01:18.505 and just, just being there for my, my brokers. 37 00:01:18.885 --> 00:01:20.745 And how have you been evolving throughout 38 00:01:20.745 --> 00:01:22.105 the industry over these years? 39 00:01:23.005 --> 00:01:25.545 So I feel like the whole industry is evolving, um, 40 00:01:25.965 --> 00:01:28.705 in terms of escaping the high risk, getting a little more 41 00:01:28.705 --> 00:01:31.625 to the safer, more long-term, uh, type of deals. 42 00:01:31.685 --> 00:01:35.405 But I, the main thing I'm focused on is 43 00:01:36.285 --> 00:01:38.805 I would rather make less money with more security 44 00:01:38.825 --> 00:01:41.845 and more safety and more trust than take a bigger risk 45 00:01:41.875 --> 00:01:45.125 with either a broker who, you know, I can't trust 46 00:01:45.185 --> 00:01:47.925 or with a deal where it's has issues. 47 00:01:48.345 --> 00:01:52.405 I'd rather focus on something safer with less yield, uh, 48 00:01:52.405 --> 00:01:54.645 that could, that, that I have a lower ceiling, 49 00:01:54.785 --> 00:01:57.685 but less chance of getting wiped out than, 50 00:01:57.685 --> 00:01:59.805 than being high risk and risking it all in one shot. 51 00:02:00.345 --> 00:02:01.485 Sounds like a good formula. 52 00:02:02.185 --> 00:02:03.965 How do you see the rest of the year going for you? 53 00:02:04.835 --> 00:02:07.285 It's honestly, uh, we, we, I've been in this year 54 00:02:07.285 --> 00:02:09.365 for a long time, but we started in January, according 55 00:02:09.365 --> 00:02:11.445 to my projections of what I was expecting to do. 56 00:02:11.455 --> 00:02:14.605 We've blown past it, which is a good thing. 57 00:02:14.745 --> 00:02:18.565 Um, we have great backing, so we have partners, so, uh, uh, 58 00:02:18.865 --> 00:02:22.405 big investors, so there's no, we're, we're able 59 00:02:22.405 --> 00:02:25.565 to fund whatever we need, but, um, I, 60 00:02:25.645 --> 00:02:26.845 I see us doing better and better. 61 00:02:27.185 --> 00:02:31.795 And what I wanna bring to the industry is a lot of honesty. 62 00:02:31.915 --> 00:02:33.955 I want, I want, I wanna be someone people can trust. 63 00:02:34.075 --> 00:02:36.835 I mean, there a lot of people here I know great guy people, 64 00:02:36.835 --> 00:02:39.955 but there are people who are not necessarily here, um, 65 00:02:40.655 --> 00:02:42.875 who I know, who you know, have, 66 00:02:43.375 --> 00:02:44.515 who could do some shady stuff. 67 00:02:44.575 --> 00:02:47.315 So I wanna be a, be a beacon of hope in this industry. 68 00:02:47.875 --> 00:02:50.035 I I have the hope for you. With your hope. 69 00:02:50.745 --> 00:02:52.555 Exactly. I mean, the main thing that, I mean, 70 00:02:52.555 --> 00:02:54.635 that's why my, my, all my business is renewals. 71 00:02:54.855 --> 00:02:56.635 So the same customers over 72 00:02:56.635 --> 00:02:58.195 and over, that, that's all I care about. 73 00:02:58.435 --> 00:03:01.245 Renewals and, uh, working with people for a long time. 74 00:03:01.585 --> 00:03:02.885 And you're a sponsor this year 75 00:03:02.885 --> 00:03:04.045 at Broker Fair? Yes. Thank you. 76 00:03:04.645 --> 00:03:06.365 I am, I, I, how could I miss it? 77 00:03:06.385 --> 00:03:08.805 I'm a new company and finally I have the ability 78 00:03:08.805 --> 00:03:10.045 to sponsor last time, I just have 79 00:03:10.045 --> 00:03:11.765 to beg my boss to let a sponsor. 80 00:03:12.465 --> 00:03:13.765 Now I get to make the decision. 81 00:03:13.765 --> 00:03:15.485 That's the only reason why I really started my company. 82 00:03:15.545 --> 00:03:17.885 By the way. The only reason why I really started was 83 00:03:17.885 --> 00:03:20.085 to have my own broker was so I could do the bank 84 00:03:20.085 --> 00:03:21.125 and I don't have to ask anybody else. 85 00:03:22.305 --> 00:03:24.205 That's a good reason to be a part of it. Exactly. 86 00:03:24.265 --> 00:03:26.325 So what were you looking forward to most this year? 87 00:03:27.205 --> 00:03:31.085 I, people say things like a broker affair doesn't, 88 00:03:31.085 --> 00:03:33.725 it doesn't really work as if it's like an abstract thing is 89 00:03:33.725 --> 00:03:36.405 if it's like a, you know, did it work? 90 00:03:36.955 --> 00:03:38.805 It's not like that. I, I've been here for years 91 00:03:38.805 --> 00:03:41.205 and I've, I've met people, which I've made money with. 92 00:03:41.205 --> 00:03:43.805 They've made money from me, from meeting here. 93 00:03:43.805 --> 00:03:44.685 I've gotten their numbers, and 94 00:03:44.685 --> 00:03:45.645 that's how the relationship started. 95 00:03:45.785 --> 00:03:48.045 So people could say, it doesn't work. 96 00:03:48.235 --> 00:03:51.365 What really, what is even the point? Forget about the point. 97 00:03:51.445 --> 00:03:54.045 I mean, just simple. I, I've made relationships here, 98 00:03:54.045 --> 00:03:56.405 which I've started finally seeing someone that either I knew 99 00:03:56.405 --> 00:03:59.365 of, that I never, that I heard of, but I never really met 100 00:03:59.385 --> 00:04:02.045 or seeing people that I never met before, never heard of 101 00:04:02.045 --> 00:04:03.685 before, which now we're doing business. So 102 00:04:04.465 --> 00:04:06.115 It's, I think it, I think it's worked. 103 00:04:06.455 --> 00:04:07.595 It, it definitely has worked. 104 00:04:07.615 --> 00:04:08.995 And hopefully I'll be sponsoring more. 105 00:04:09.195 --> 00:04:10.715 I just have to let Sean allow me to be the, 106 00:04:10.715 --> 00:04:11.835 the gold sponsor next year. 107 00:04:11.875 --> 00:04:14.315 I know you have to be in business a little longer than six 108 00:04:14.315 --> 00:04:15.995 months, but, uh, we'll get there. 109 00:04:16.495 --> 00:04:17.635 It sounds like a good goal. 110 00:04:17.645 --> 00:04:19.315 Thank you for taking the time to talk to me. 111 00:04:19.315 --> 00:04:21.235 Of course, of course. All right. And we'll see you soon.