1 00:00:00.585 --> 00:00:01.885 And one of the best things about coming 2 00:00:01.885 --> 00:00:05.005 to Broker Fair 2025 is the people that you meet 3 00:00:05.005 --> 00:00:06.045 and the connections that you make. 4 00:00:06.065 --> 00:00:09.405 So I'm here with Harry. Harry, it's a pleasure to see you. 5 00:00:09.455 --> 00:00:11.485 Thank you. So let's start off with the people 6 00:00:11.515 --> 00:00:13.445 that are watching this that don't know you. 7 00:00:13.665 --> 00:00:14.925 Yes. Introduce yourself 8 00:00:14.925 --> 00:00:16.005 and the company that you're with. Sure. 9 00:00:16.025 --> 00:00:18.405 100%. Uh, my name is Harry Haywood. 10 00:00:18.605 --> 00:00:21.125 I am the owner at Spring Funding, uh, 11 00:00:21.135 --> 00:00:22.205 based out of Manhattan. 12 00:00:22.265 --> 00:00:24.805 So right down the road. Um, for the people 13 00:00:24.825 --> 00:00:26.645 who don't know me, again, we are, uh, 14 00:00:26.645 --> 00:00:28.845 competitive in the small business space. 15 00:00:29.385 --> 00:00:33.285 Um, we've really much covered the B2C box in regards 16 00:00:33.305 --> 00:00:35.325 to the data that we're looking for. 17 00:00:35.985 --> 00:00:37.525 Um, you know, we, 18 00:00:37.745 --> 00:00:39.845 we are different from everybody else in the industry 19 00:00:39.945 --> 00:00:41.205 for a couple different reasons. 20 00:00:41.785 --> 00:00:45.125 Um, you know, in terms of payment, uh, payment options 21 00:00:45.125 --> 00:00:46.645 or flexible payment structures, 22 00:00:46.905 --> 00:00:49.365 we do offer biweekly payments, which in, 23 00:00:49.425 --> 00:00:51.365 in our spaces is a rarity. 24 00:00:51.665 --> 00:00:55.165 Um, we do also facilitate the traditional buyouts, which, 25 00:00:55.665 --> 00:00:58.485 you know, again, depending on who you're signed up with, 26 00:00:58.505 --> 00:01:00.525 that's, you know, not necessarily a thing. 27 00:01:00.525 --> 00:01:04.725 And we do offer, um, extremely aggressive early payoffs, um, 28 00:01:04.725 --> 00:01:07.405 where that could change the cost of capital anywhere from, 29 00:01:07.405 --> 00:01:11.085 let's say 35, 40%, all the way as low as 10 to 15%. 30 00:01:11.085 --> 00:01:14.445 So we'd like to remain competitive in, in terms 31 00:01:14.445 --> 00:01:16.085 of getting deals done fast. 32 00:01:16.705 --> 00:01:19.405 Um, we're very much relationship based, you know, 33 00:01:19.405 --> 00:01:22.445 we're relationship funders, you know, we're, we're, 34 00:01:22.815 --> 00:01:24.565 we're a normal individual just like 35 00:01:24.585 --> 00:01:25.805 we, you know, everybody else. 36 00:01:26.425 --> 00:01:29.365 Um, and again, just treat us with respect. 37 00:01:29.365 --> 00:01:31.525 We treat our, our, all of our ISOs with respect. 38 00:01:31.665 --> 00:01:35.005 And like I said, we, we really just asked for one shot to, 39 00:01:35.025 --> 00:01:37.485 to prove how, how different we really are to everybody else. 40 00:01:38.025 --> 00:01:40.005 So, talking about personal relationships, 41 00:01:40.265 --> 00:01:41.405 why is that so important? 42 00:01:41.465 --> 00:01:42.565 Not only for your business, 43 00:01:42.625 --> 00:01:44.605 but for businesses across this industry? 44 00:01:45.285 --> 00:01:46.605 I mean, again, at the end of the day, 45 00:01:46.885 --> 00:01:49.205 relation in any facet of life, relationships are everything. 46 00:01:49.465 --> 00:01:52.485 Um, especially when we're talking some of the figures 47 00:01:52.485 --> 00:01:53.485 that we're talking about, right? 48 00:01:53.495 --> 00:01:56.445 We're injecting businesses with anywhere from 50 49 00:01:56.585 --> 00:01:58.165 to $500,000. 50 00:01:58.385 --> 00:02:00.205 You know, at the end of the day, if, uh, 51 00:02:00.205 --> 00:02:02.525 an individual's giving me a piece of, uh, 52 00:02:02.745 --> 00:02:05.245 is giving me a file, I want to know that I can trust them. 53 00:02:05.505 --> 00:02:07.125 And, and, and vice versa as well, 54 00:02:07.125 --> 00:02:09.365 that ultimately any brokers 55 00:02:09.745 --> 00:02:11.285 or broker shops that are listening 56 00:02:11.285 --> 00:02:13.685 to this interview can know that when you do file, 57 00:02:13.995 --> 00:02:15.405 send a file to spring funding. 58 00:02:15.515 --> 00:02:17.005 It's in, it's in very safe hands. 59 00:02:17.705 --> 00:02:20.285 So, for 2025, how's business been for you? 60 00:02:20.505 --> 00:02:22.245 2025 has been very good. 61 00:02:22.425 --> 00:02:25.725 Um, obviously April was a little slow for, for, um, 62 00:02:25.725 --> 00:02:29.125 several different holidays, but 2025 has been good. 63 00:02:29.135 --> 00:02:32.845 We're expanding, we're really focusing on exploring the ISO 64 00:02:32.845 --> 00:02:35.285 market, which is something that in our hi, 65 00:02:35.305 --> 00:02:38.045 our company's six year history, we haven't, um, 66 00:02:38.215 --> 00:02:40.045 we're very much a boutique funder. 67 00:02:40.045 --> 00:02:42.285 We've always kept our operation closed, 68 00:02:42.345 --> 00:02:44.245 and like I said, for the first time in six years, 69 00:02:44.505 --> 00:02:46.325 we are exploring the ISO market 70 00:02:46.465 --> 00:02:49.525 and to, to touch on the relationship aspect. 71 00:02:49.665 --> 00:02:51.405 That's everything, right? At the end of the day, 72 00:02:51.405 --> 00:02:53.805 you gotta meet people, you gotta get boots on the ground 73 00:02:53.945 --> 00:02:56.525 and, and expose the platform for people to find you. 74 00:02:56.865 --> 00:02:58.965 So for people that are interested in getting in contact, 75 00:02:59.000 --> 00:03:01.130 contact with you, what's the best way for them to reach you? 76 00:03:01.235 --> 00:03:03.045 Sure. Um, cell phone email. 77 00:03:03.265 --> 00:03:06.565 My cell is (732) 693-0574. 78 00:03:06.825 --> 00:03:11.765 Or you can reach me by email, which is harry@springfund.net. 79 00:03:12.345 --> 00:03:15.045 So you, this is not the first time you've been at a broker 80 00:03:15.075 --> 00:03:16.565 fair event at a de banked event. 81 00:03:16.945 --> 00:03:19.005 Uh, have you ever built a relationship here 82 00:03:19.065 --> 00:03:21.165 and has it fostered into helping your business grow? 83 00:03:21.465 --> 00:03:23.845 100%. I'm gonna age myself right now. 84 00:03:23.915 --> 00:03:26.245 I've been to seven, this is my seventh broker fair. 85 00:03:26.305 --> 00:03:28.365 So I've been to a couple, this isn't my first rodeo. 86 00:03:29.065 --> 00:03:30.485 Um, but yeah, a a lot 87 00:03:30.485 --> 00:03:33.165 of our current partners actually were individuals 88 00:03:33.165 --> 00:03:36.045 that we met, you know, six, 89 00:03:36.425 --> 00:03:38.605 six years ago at our first, uh, initial broker. 90 00:03:38.635 --> 00:03:41.365 Fair. Like I said, when you treat people with respect, 91 00:03:41.555 --> 00:03:43.045 there's really no reason as 92 00:03:43.045 --> 00:03:44.285 to why they would leave you, right? 93 00:03:44.385 --> 00:03:47.285 So, um, it's just treat treating people with respect, 94 00:03:47.355 --> 00:03:50.005 showing them that, uh, ultimately their data is safe 95 00:03:50.005 --> 00:03:51.685 with spring funding, and of course, 96 00:03:51.685 --> 00:03:53.525 giving the people the approvals that they want to see. 97 00:03:55.205 --> 00:03:56.885 It's a pleasure chatting with you. You No problem. 98 00:03:56.925 --> 00:03:57.925 Likewise so much. 99 00:03:57.975 --> 00:03:59.565 Again, that was Harry, and again, 100 00:03:59.565 --> 00:04:02.045 throughout the day we are chatting with different people 101 00:04:02.575 --> 00:04:05.605 about their businesses, their company, so definitely. 102 00:04:05.625 --> 00:04:07.725 So something that you're not gonna want to miss out on.