1 00:00:00.545 --> 00:00:01.085 Hey everyone. 2 00:00:01.085 --> 00:00:03.645 Alison Berger here at Broker Fair 2024, 3 00:00:03.665 --> 00:00:05.725 and I am with Broker Richard Lamb from the 4 00:00:05.765 --> 00:00:07.045 BOC group. How are you? 5 00:00:07.385 --> 00:00:08.445 I'm doing good. How are you? 6 00:00:08.675 --> 00:00:10.965 Fantastic. So tell me about the BOC group. 7 00:00:11.395 --> 00:00:13.445 Well, we, uh, we do innovative mortgages 8 00:00:13.465 --> 00:00:16.485 and business line of credit without having a UCC filing 9 00:00:17.185 --> 00:00:20.325 and without having the business showing a profit. 10 00:00:21.705 --> 00:00:23.005 So why should people come to you? 11 00:00:23.005 --> 00:00:24.565 What type of clients are coming to you? 12 00:00:25.505 --> 00:00:29.085 Uh, the one that already have a big mortgage on their 13 00:00:29.325 --> 00:00:30.565 business or their property 14 00:00:30.905 --> 00:00:32.285 and they have a hard time getting, uh, 15 00:00:32.285 --> 00:00:34.805 additional working capital anywhere from a hundred 16 00:00:34.865 --> 00:00:37.645 to 400,000 that they cannot get from Citibanks 17 00:00:37.645 --> 00:00:39.445 or Chase for us is easier. 18 00:00:40.705 --> 00:00:41.765 Why is it easier for you? 19 00:00:42.465 --> 00:00:43.845 We have a very unique programs 20 00:00:43.845 --> 00:00:46.125 and we have a relationship with the lender that we work 21 00:00:46.125 --> 00:00:50.245 with, and so we basically digest, digest it in a way 22 00:00:50.245 --> 00:00:53.885 that we look at the glass as a half full, not half empty. 23 00:00:54.565 --> 00:00:56.645 I think that's a good perspective to always have. 24 00:00:57.095 --> 00:01:00.255 Definitely. Has the glass been half full 25 00:01:00.255 --> 00:01:01.335 for you so far this year? 26 00:01:01.645 --> 00:01:02.775 This year's been very good. 27 00:01:03.405 --> 00:01:06.095 Last year's is not so good, but this year's a lot better. 28 00:01:06.635 --> 00:01:10.555 In what ways? Uh, clients are coming around a lot more 29 00:01:11.255 --> 00:01:13.115 and a lot of the lender we that we work with 30 00:01:13.115 --> 00:01:16.075 around the countries, they be, they uh, they, they, 31 00:01:16.215 --> 00:01:18.315 we move out of the guidelines so it's easier. 32 00:01:19.315 --> 00:01:20.235 Interesting. And how do you see 33 00:01:20.235 --> 00:01:21.355 it going for the rest of this year? 34 00:01:21.865 --> 00:01:22.955 It's, I think it's gonna be great. 35 00:01:23.345 --> 00:01:25.355 This year's going all the way to next year's 36 00:01:26.535 --> 00:01:27.535 In. In what way? How 37 00:01:27.535 --> 00:01:28.475 is this happening for you? 38 00:01:29.495 --> 00:01:33.275 Gut feeling? Are you seeing something trending? 39 00:01:33.415 --> 00:01:34.795 What's giving you this feeling? 40 00:01:35.815 --> 00:01:39.555 Um, I think just the general, general 41 00:01:40.385 --> 00:01:43.275 overall environments that people are got used to, 42 00:01:43.335 --> 00:01:46.595 got over Covid, everyone says, got used to the higher rate, 43 00:01:46.665 --> 00:01:47.875 they're more accepted to it. 44 00:01:48.935 --> 00:01:51.525 So from a broker, I want you to gimme a broker bite. 45 00:01:51.955 --> 00:01:54.565 What are you looking forward to most this today? 46 00:01:56.065 --> 00:01:58.335 Today? Uh, what am I looking forward to? Um, the lunch. 47 00:01:58.435 --> 00:02:01.695 I'm hungry. I I see they bringing out all the food, so. 48 00:02:02.885 --> 00:02:04.255 Okay. Well I'll let you go to lunch. 49 00:02:04.305 --> 00:02:05.975 Thank you for joining me. Thank you. 50 00:02:06.075 --> 00:02:06.975 And we'll be right back.