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What's going on? So how you doing? You too. All right, so go ahead and

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 step a little bit closer. I don't bite man. So Sean go ahead

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 and talk to people out there. Who are you with and what's your

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 title with the company? Yeah. So I'm the president of cash Bowie. We're a

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 direct lender. This is our third event that we

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 sponsored here.

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It's a great audience for the alternative lending space. It's

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 the best there is so Sean good and walk me through for 2023

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 what exactly you guys expecting for the year

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 for your business?

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Well, it's kind of Uncertain times from from

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 a market condition perspective. So

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 we're just being very careful. We're gonna

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 weather the storm. So to speak like we did during covid but

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 we're still in growth mode and want to make more relationships and

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 and continue to quarter of

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 a quarter year over year grow. So in regards to

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 being in growth mode and just you know, seeing that growth

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 happen kind of go maneuvering the

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 ups and downs of the industry. What advice

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 would you have to someone that's brand new and trying to maneuver what you guys

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 are trying to maneuver. It's a great question. I would say

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 the part the the iso is that you partner with your

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 your partners is a big thing that deal flow they

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 bring to you having the right Partners. If you're the lender

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 you're gonna get great deal flow fundable deals

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 low default rate just it's really important

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 to be to be partnered with the right the right

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 broker if you're a lender and vice versa

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So the one question a lot of people have is how to make money in this industry. How

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 do you know you stick out the hard times

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 and make you know, a lot of money. What would you say to

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 those people? Yeah. Well again have the right partners for

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 sure limit your defaults. Keep keep

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 that down. So you're not spending all your time on the collection perspective.

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 I would really say part the

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 right partners with the right deal flow. You're gonna make money

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 and how do you find those right Partners? What do you do? How do

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 you weave them out? Yeah. Well this event is a is

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 a big a big reason for having the right

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 Partners. You meet the right people people that been in the space for a while

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 or even new people that new new companies. That

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 kind of get are on the same. I have the

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 same message that you have same business model just really

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 the more time. You're in the space.

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you come across the same players and you know who's got

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 good deal flow who doesn't who's, you know,

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 just came up and won't be here next year and

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Etc

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The question I've been asking everyone is how do you make millions in this

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 industry? Yeah, that's not easy. You limit

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 your default keep growing getting more relationships to

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 continue growing your your deal flow

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 and putting more and more money out on the street. And what

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 would you say to the guy that is in the industry? He's hit a

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 road bump, you know, he's in a funk and he doesn't know

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 how to get up. We've all been there. Well, you said to him? Yeah. Well,

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 it's not easy. They're nobody became successful

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 without hitting that bump so don't give up,

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 you know, maybe take a step back reevaluate what

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 you did that wasn't working and and maybe take a

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 new Tack and then for your business overall, I mean you being the president.

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 How exactly are you maneuvering uncertain times?

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While again it goes back to we we unfortunately now have

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 experience because the covid so we're going to we're gonna

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 fall back on how we maintain the course and stayed

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 in business during a time and like, you

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 know, the first time ever where businesses were forced

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 to be shut down. We're gonna go back to that and fall on

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 some of the some of the things that we learned during that time and what's the

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 most important lesson you learn during that time.

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Move slow everything is going to work.

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 It's it's way out. It's remain fluid

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 from an underwriting perspective from a collection perspective from

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 a business development perspective just be fluid move

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 slow things will work itself out.

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Awesome. Thanks so much. John. Appreciate you likewise man. Thank you so much. Again, that

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 was great piece of advice from Sean. He's president

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 in this industry. So again, we've been talking to

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 different people get getting the different tips regarding not only

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 how to make millions, but also how to be successful in 2023. So

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 again, you're not going to want to miss out on what we have coming

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 up. So stay tuned.