1 00:00:00.195 --> 00:00:02.925 Welcome to the 2025 D Bank Connect in Miami. 2 00:00:03.345 --> 00:00:06.885 I'm now joined with Patrick Petski of Stacking Capital. 3 00:00:07.315 --> 00:00:09.005 It's your first time. How do you feel so far? 4 00:00:09.765 --> 00:00:13.285 I feel great, uh, already making a lot of connections. 5 00:00:13.355 --> 00:00:15.725 I've only been here not even an hour 6 00:00:16.065 --> 00:00:19.205 and yeah, it's, it's honestly, I didn't know what to expect, 7 00:00:19.505 --> 00:00:22.125 but, um, it's definitely an amazing event so far. 8 00:00:22.435 --> 00:00:23.725 What made you choose this event 9 00:00:23.725 --> 00:00:24.965 to be your first e banked event? 10 00:00:26.355 --> 00:00:29.165 Well, I quite frankly, haven't ever been 11 00:00:29.165 --> 00:00:32.005 to an event like this, so for me it was really just, 12 00:00:32.125 --> 00:00:34.205 I know there's a lot of new things going on in the FinTech 13 00:00:34.205 --> 00:00:36.845 space, and we mainly work with, uh, 14 00:00:37.025 --> 00:00:40.645 people on FICO related products, so we wanted to make sure 15 00:00:40.715 --> 00:00:43.445 that we're just up to date on all the new things 16 00:00:43.445 --> 00:00:44.805 that are out there in the FinTech world. 17 00:00:45.185 --> 00:00:46.845 So tell me more about stacking capital. 18 00:00:46.955 --> 00:00:48.645 What are you guys doing? Who's your customer? 19 00:00:49.115 --> 00:00:51.805 Yeah, so we help small businesses secure financing, 20 00:00:51.805 --> 00:00:53.565 mainly the FCO related products, 21 00:00:54.105 --> 00:00:55.925 but we have about 20 different products 22 00:00:55.925 --> 00:00:57.005 that they can access. 23 00:00:57.465 --> 00:01:00.485 We call 'em non bankable finance, uh, products. 24 00:01:00.505 --> 00:01:04.405 So things like, uh, business credit cards are a big thing. 25 00:01:04.405 --> 00:01:07.765 We focus on, uh, business lines of credit, SBA express, 26 00:01:08.445 --> 00:01:10.205 anything that they might be able to get immediately. 27 00:01:10.665 --> 00:01:12.325 And then afterwards, our plan is really 28 00:01:12.345 --> 00:01:15.965 to have them join our one year coaching program so 29 00:01:15.965 --> 00:01:17.325 that we can get 'em bankable. 30 00:01:17.585 --> 00:01:20.365 And bankable is really just getting their business compliant 31 00:01:20.625 --> 00:01:22.205 so that they could actually get approved 32 00:01:22.345 --> 00:01:25.725 for tier one bank products at those, uh, you know, up 33 00:01:25.725 --> 00:01:28.165 to 5 million longer terms, better rates. 34 00:01:28.665 --> 00:01:30.885 That's interesting that you offer a coaching program 35 00:01:30.985 --> 00:01:32.245 that's a little different than 36 00:01:32.245 --> 00:01:34.005 other companies in your industry. 37 00:01:34.765 --> 00:01:35.845 A hundred percent. Yeah. And, 38 00:01:35.845 --> 00:01:38.085 and, uh, we've invested a lot into the software. 39 00:01:38.665 --> 00:01:42.045 So like our focus is now mainly setting up affiliate 40 00:01:42.045 --> 00:01:45.125 partnerships because without even talking to anybody, 41 00:01:45.595 --> 00:01:47.125 they can answer 20 questions. 42 00:01:47.185 --> 00:01:48.645 And with that we can actually tell them 43 00:01:48.755 --> 00:01:51.045 what products they might be able to apply for now, 44 00:01:51.545 --> 00:01:53.365 and then with a one page application, 45 00:01:53.475 --> 00:01:55.285 they could shoot their application through 46 00:01:55.825 --> 00:01:57.405 and, uh, with a, with a soft bowl 47 00:01:57.465 --> 00:02:00.525 and see, uh, yeah, what they, what they, uh, qualify for 48 00:02:00.525 --> 00:02:01.645 and then just pay on the back end. 49 00:02:01.915 --> 00:02:04.365 Amazing. Quick and simple. Yes, ma'am. Yes. 50 00:02:04.365 --> 00:02:06.325 Mm-hmm. So how do you see the year going for you? 51 00:02:07.555 --> 00:02:10.005 Well, it's, uh, it's been a crazy, actually, 52 00:02:10.005 --> 00:02:11.525 like UPG growth. 53 00:02:11.665 --> 00:02:13.725 Uh, we started with just three people 54 00:02:14.305 --> 00:02:16.085 and we're now up a team of 15. 55 00:02:16.225 --> 00:02:19.245 And, uh, and, uh, just this last couple months, again, 56 00:02:19.245 --> 00:02:21.365 we've, uh, invested heavily into software 57 00:02:21.585 --> 00:02:24.045 and also the fulfillment side of things to make sure 58 00:02:24.045 --> 00:02:26.005 that again, we can serve our customer at the highest level. 59 00:02:26.465 --> 00:02:27.525 And you're making it all happen? 60 00:02:27.985 --> 00:02:29.605 Yes, ma'am. Mm-hmm. Wonderful. 61 00:02:29.685 --> 00:02:31.645 Well, thank you so much for joining me. Thank 62 00:02:31.645 --> 00:02:32.325 You. Thank 63 00:02:32.325 --> 00:02:33.325 You. And there's still more 64 00:02:33.325 --> 00:02:34.245 to come from Miami.