00:00.000 --> 00:03.000
Johny Fernandez: The Small
Business Finance of the 2020 Inc

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5000 list came out and.

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Sean Murray: 2021.

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Johny Fernandez: 2021 I'm sorry,
2021.

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Sean Murray: I know it's still
2020 for a lot of us.

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Johny Fernandez: Yeah. So it's
2021 and we are actually

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familiar with some of the guys
on that list.

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Sean Murray: We are, yeah. So I
have it right here in front of

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me as well. So we just put out a
story, or I guess really a list

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yesterday, the Inc 5000. For
those of you who are not aware,

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they compile a list every single
year of the fastest growing

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companies in America, the top
5000. The top 5000. Yeah, top

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5000. And so what I like to do
is every year is go in and pick

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out the ones that are relevant
to the audience that we write

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for. Last year, we made it like
really broad we focused on

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fintech. I think I think the
trouble with that is that we got

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everyone emailing us mad that
they weren't included. And these

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were companies I never heard of.
And they're like, we're fintech.

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And I'm like, are they right?
Because they were like they were

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financial and technology. Yeah.
But the problem with that was

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then you got like, literally
like 1000 of the 5000 contacting

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you saying that they're
technically fintech, and they

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want to know why they're not on
the list that deBanked compiled

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of the list that the Inc 5000
made. It's like, it almost

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became too much, right? Yeah. So
this year, I just narrowed it

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down and said, Let's just focus
focus on the smaller segment, I

01:14.930 --> 01:18.740
compiled a list of the small
business finance companies, not

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not merely companies that are
within the ecosystem of Small

01:21.830 --> 01:25.490
Business Finance, but are really
the funders in the small

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business finance industry. So I
compiled a list of those that

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appear on the Inc 5000 to kind
of see where everyone falls. And

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growth is a measure of, of
revenue. It's not the most

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profitable companies in the
country, it's not the biggest

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companies in the country, it's
supposed to be growth, right?

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And these companies have to
submit themselves. So if you're

01:46.880 --> 01:49.100
looking at the list, and you're
like, wait a minute, this

01:49.100 --> 01:51.920
company that I know, or my
company is not on here, and I

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grew more than them. That's
because you didn't submit

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yourself. And if you don't do
that, then you can't be on it.

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Right. So you have you have to
actually do something to end up

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on the list. Yeah. But all the
same. For those who submitted

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themselves, it doesn't mean that
they'll end up on it. They might

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not be large enough. They might
be too old it's supposed to be

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for newer companies. Yeah.
You're not supposed to see a

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company that's been on here for
like, 100 years. Yeah. Yeah,

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you're not supposed to see
really old companies it's

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supposed to be for, you know,
newer, you know, kind of like

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startups. But that, you know,
you wouldn't expect to see like

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a company that's been around
since like, 1900, as like the

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fastest growing in America.

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Johny Fernandez: Yeah. Okay,
that makes sense. And I know,

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like, sort of we were talking
about is like, once you sign up

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for this process, and see if
you're eligible, technically, to

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be on the list, you're gonna
have to also include things like

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your taxes and things like the
last three years for them to

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actually measure, you know, if
you qualify to be on the list.

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Sean Murray: Yeah, that's
exactly right. So my

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understanding of it is that you
have to submit your last three

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years financials in order for
them to verify your growth. So

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it's not just a fill in the box,
and hey, we grew 1,000,000%.

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Yeah. Type of deal. There is a
level a level of verification,

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although they'd I don't know how
deep they go into checking all

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of it. I'm, you know, maybe
there's ways to kind of budget

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if you really wanted to. Yeah.
I'm not sure. But we did. We did

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compile a list and the top one
on our list right now. It's

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actually a company I've never
I've never heard of, until

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today, a company called
Crestmont Capital came in at

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number 44. Reporting 7,404%
growth, I looked them up. They

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appear to be honestly like a
broker shop in California, small

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business finance brokerage shop
in California, apparently

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number, the number of 44th
fastest growing company in

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America. So kind of hard to
believe, you know, that there's

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someone I've never heard of, but
that's why the list is kind of

03:42.110 --> 03:44.750
valuable. Get you get to find
out what everyone's doing out

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there. Yeah. Right. And then
next below them was a company

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called Capital Dude, at 1044.
And they grew by 463%. So for

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those who are not familiar with
Capital Dude, they are they are

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related to a company called
Central Diligence Group. There's

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a connection between the two.
There's like common ownership.

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Okay. So I like the name though.
Yeah. Dude, Capital Dude. Yeah.

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I actually, I emailed them
yesterday. And I said, Hey, I

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saw you guys are two of your
companies were ranked pretty

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high on the list. Right? Which
is kind of unusual to have two.

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Yeah. And so I did ask him a few
questions about it there's a

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story up on our site went up
late last night around midnight,

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asking the dude, how they do it,
and. How they dude it. How they

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dude it. Almost almost there.
Yeah. You know, so here's what

04:42.080 --> 04:43.910
they told me. They told me that
basically it's good sound

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underwriting the partners have a
lot of experience. Most of them

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have been in the industry for
more than 10 years, small

04:49.850 --> 04:52.640
business finance, NCAA, whatever
it is, you know, in their

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background. And these are these
are these are guys who were

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underwriting deals back in the
08, 09 recession. Okay. So

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they're used, they were used to
sudden downturns. Yeah. And they

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did tell me that this year, the
pandemic wasn't really like,

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there was the great recession.
Yeah. But there were things that

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they learned from the last
recession about how to act. Like

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when everything just blowing up,
you know, the literally the sky

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is falling. If you've never
gotten to a sky is falling

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scenario, in any shape, or form.
It's you. I don't think I've

05:26.090 --> 05:28.610
been. Just panic you, you've
been through one?

05:28.610 --> 05:30.500
Johny Fernandez: Yeah when the
skies falling. Heck, yeah. I've

05:30.500 --> 05:31.730
been through it twice in my
life.

05:32.540 --> 05:34.100
Sean Murray: All right, more,
more on that. And more on that.

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And more on that.

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Johny Fernandez: But you know,
but I think I think to get back

05:37.810 --> 05:40.750
to you're point to what you were
saying, you know, these guys

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have experience, you know, they
have, at the end of the day

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experience is key, I think in
any scenario possible. So the

05:48.070 --> 05:50.500
fact that these guys went
through that experience back in

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2008, 2009. And now, you know,
when we go through something

05:55.090 --> 05:58.480
very similar. They know what to
do. Exactly, yeah. They've

05:58.480 --> 06:01.390
pretty much, you know, got
they've gone through it already.

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And they're prepared. And, you
know, that's why they're

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growing.

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Sean Murray: Yeah. And they told
me that they didn't even stop

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funding. They continued straight
through. I mean, I guess that's

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how you grow. Yeah. You can't
end up on the list if you don't

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grow. Yeah. So this is 2021. So
you know, I guess that would

06:16.060 --> 06:20.260
include 2020, as well. Here they
are here they are growing. Yeah.

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And one side effect of the
pandemic is that certain

06:24.790 --> 06:27.370
companies that we're on here
last year, they're not on the

06:27.370 --> 06:30.310
list this year. Either they
didn't grow, or they didn't

06:30.340 --> 06:32.620
submit themselves to be on the
list. I don't know. I don't know

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which it is. Yeah, but there's a
lot of companies that I expected

06:35.500 --> 06:37.510
to see on here, because they've
been on there in previous years.

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They weren't on here and 2021.
But all a sudden, the dude,

06:40.960 --> 06:44.350
yeah, the dude comes in at like
number two on our list, right?

06:44.350 --> 06:45.860
Johny Fernandez: You watch New
Girl?

06:46.370 --> 06:46.760
Sean Murray: I don't.

06:46.780 --> 06:48.760
Johny Fernandez: Okay. There's
there's a character there that

06:49.360 --> 06:51.790
he has an inside joke. But when
he says a certain word, like,

06:51.820 --> 06:58.600
dude he'll he'll see it very
like. Winston, Winston Bishop.

06:58.810 --> 06:59.620
That's his name.

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Sean Murray: If for all yeah,
for all of you who are of

07:01.630 --> 07:05.830
whatever show he's talking.
Yeah. Sorry. That's how next

07:05.830 --> 07:07.750
time I call them that's how I'm
gonna pronounce it, is this

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Capital Dude?

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Johny Fernandez: But no, I think
this list is definitely

07:12.990 --> 07:15.540
valuable. At the end of the day,
if you guys have not checked it

07:15.540 --> 07:18.840
out, definitely go check it out
and see the list. It's on our

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website. debanked.com. And these
are guys that you know, some of

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them we are familiar with. And
yeah, some of them we've never

07:25.290 --> 07:28.350
heard of. But yeah, it's
definitely worth a shot. And

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there's towards the bottom. You
know, if you don't see your

07:31.020 --> 07:34.560
name, and you know you think we
forgot you, let us know, you can

07:35.010 --> 07:38.460
email us at info@debanked.com.
You know, and we definitely want

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to hear from you guys out there.

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Sean Murray: Yeah, and for
exactly. And, you know, we're

07:41.828 --> 07:44.461
not perfect. So it's 5000
companies is a lot to scan

07:44.512 --> 07:47.601
through. So if we missed one,
you know, please forgive us and

07:47.652 --> 07:50.690
let us know we'll add you if
you're a small business finance

07:50.741 --> 07:53.830
company. Last year, we did a
fintech. But, you know, yeah you

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just mentioned there was a few
on here that we know like Pierce

07:57.122 --> 08:00.160
Capital, somebody that we're
familiar with, Channel Partners

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Capital, ApplePie Capital, NAB,
Forward Financing. So there are

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some stalwarts of the industry
that are still on the list. And

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then there's some that are not
on here for some reason, maybe

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because they didn't grow we
don't know. But yeah, if you're

08:12.821 --> 08:15.859
not on here, and you shouldn't
you felt like you should have

08:15.910 --> 08:18.240
been. Yeah, shoot us an email
like Johny said,