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Now we have another legend, man. The myth, the legend. My man,

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James Sofar. I told your brother. Yes. Your,

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your last name and your name is a household name in art in our, in my house. Oh,

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yes. Yeah.

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Well, uh, I have to talk about your name. Uh,

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I saw you on the morning news and I'm sitting there with my family and all of a

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sudden Johnny Fernandez pops up on its Channel seven,

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and I couldn't have been more excited for you. I went to text you,

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but I don't wanna bother. I knew you were,

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You should have texted me next time you do a text Me. I don't. All right.

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So for those that don't know you, what's your name? And, uh, well,

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I know your name, but what's your name and who are you with?

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I am James Sal Farco. I am the managing partner at Horizon Funding Group. And,

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uh, we've been there since 2009, so,

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So no, it's like over a decade. Yep. How crazy is that?

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Yeah. So, uh, I mean, a lot of the guys that started that long ago,

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we came up together, you know, I started in oh six, uh,

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with a lot of the guys in this room, and then oh nine, you know,

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a lot of us went out, out on our own and just been chugging along since, man.

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So, listen, you, you are a veteran all right. In this industry. Yes.

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And the importance of making sure that you stay afloat and that you don't close

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your business and that you adjust and that, you know,

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you kind of stay up to date with everything that's going on. Yeah.

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How do you do that?

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I think it starts with reputation. Um, you know,

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it takes a lifetime to build and a second to lose. Um,

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you gotta be able to put your reputation on the line every single day and, uh,

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stand by your work. And that's what we do,

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whether it's with a merchant or with a partner,

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you have to just always maintain that, you know, reputation. I think.

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So there's a lot of different topics that are being discussed today just

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regarding I,

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the way I would say it's like it's maneuvering this industry because there's so

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much change going on. What topic are you most interested today?

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Uh, well, I think that there's a ton of new banks and I,

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you see a lot of brokers, you know, new brokers in the industry,

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just signing up with so many banks and, you know,

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getting a lot of iso agreements and signing up, signing up.

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I think really just working on a couple of relationships and getting stronger

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relationships with the banks that you're comfortable with is very important.

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Talking to 'em about bonuses and talking to 'em about changes and bad debt, uh,

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just fortifying those relationships, I think is very important today. And,

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and just meeting with your main partners. That's,

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that's what I've been spending the day doing.

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So overall, I mean, is there,

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is there anyone here that you're looking forward to meeting?

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Is there anything that you're, like, any topic that you're looking forward to,

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like hearing what, what's your thought process? I,

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I, you know, there's a lot of, uh, rumbling in the room about E R C E R T C,

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and, uh, you know, I, I, I, I'd like to see what other people are doing with it.

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Um, John and I, we, we brought an accountant in in-house and we,

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we started doing it in-house. Uh,

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I know that a lot of people are outsourcing that, that kind of work.

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So I'm curious to see what other brokers are doing with that,

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because our merchants are asking us about it,

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so we have to be able to service it, uh, so they don't go somewhere else. So,

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um, servicing E R c, uh, is something that I'm gonna keep my ear to the ground.

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Awesome.

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All right. Well thank you so much for your time, brother. Appreciate it.

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Go ahead and enjoy the day. Go ahead and enjoy what we have to.