#17 Elevate Your Cash Flow: The Strategic Power of Receivable Factoring with Brad Gurney

Intro: 0:13

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Jacquelyn Jackson: 0:47

Welcome to our show today. Thank you all for coming in and we are very excited for having you today. Today we're going to talk about something that's different than what we've talked to before. As a long broker, you all know that I deal with different lenders and I also deal with different types of business. What we've found out that one thing that has been a problem is that people are not aware of what's available for them in business, basically. So what we want to do with our podcast and this show is one of the main ones is to bring you another type of lending that's not well known. A lot of people don't know not because it's not good, but it's just the fact is, you only hear what you hear. That's it. So we're coming to bring you the top types of lenders that's out there that business are using, and one of them that we have and that's our guest that's come today is dealing with what we call. We call it receivable factoring, but you all may know it as like financing your invoices or your purchase orders. So that's basically what this is about.

Jacquelyn Jackson: 1:45

This topic, this show that we're talking about today, is dealing with invoices as far as you are selling your invoices, how that works and to give you some kind of idea. So that's what we have going on today, and so the guest that we have today is Mr Brad Gurney. Now let me tell you about Brad. Brad has been around for a long time, but I'm saying that with education and knowledge. I've spoken with Brad on other occasions and he knows how the invoicing business should go and have gone. He has over 40 years experience, so guess what that means that we have in today. We're going to get fed today by Mr Brad about the invoicing field of force, you selling those and how you get funded with those, how you get money from those. So that's what we play no day. So what I want to do, if you all help me, to welcome our guest today is Brad Garny. We want to welcome you to our show first of all, Brad Gurney.

Brad Gurney: 2:39

Thank you, jackie. Thank you for inviting me and I thank you for how you're helping the business community to learn about different options in the lending world and to make what can be a complicated, hard to understand process easy to understand, and you and you help these companies to get funded.

Jacquelyn Jackson: 3:09

Exactly, and you're right. And that leads into the quick question I got. First of all, I'd say you are definitely welcome to be here, but knowing what you know and you just talked about helping businesses and you've done a way longer than that I have for sure. So, in the process of helping them, before we go into, let's talk about first of all, the funding from when it was to what it is now. What are you seeing? First of all, let's talk on that at the same time and, excuse me, explain a little bit more about the invoicing and how that works in that that era as well, if you could, brad.

Outro: 3:40

Garny.

Brad Gurney: 3:40

So how invoice or receivable factoring works is one of the simpler forms of financing. My clients will provide their product or service to their customer, so it's just another day at the office. Right then is when they need the money. They sell me that invoice. So if they provided their product to Texas Instruments?

Outro: 4:19

Brad Garny.

Brad Gurney: 4:20

Texas Instruments said thanks for the box of parts. We'll pay you in 45 days. My client needs money before 45 days. They got to buy inventory, they got to make payroll. They sell me that invoice. I'm going to give them 90 95 cents on the dollar the day they sell it to me, brad Garny, I'm. I'm then going to wait for Texas Instruments to pay us. When we get paid, we'll take the 5 10 percent that we held back, take our fee out of that and then return the difference.

Brad Gurney: 5:01

But our clients getting plenty of money up front on day one so they can do what they need to do, pay all their operating costs Right, stay current and get another job out the door. So it's a straightforward just selling an invoice. My clients sell the invoices they need to when they need to. So we're not, they're not under a contract to sell all their invoices or that they have to make. They have to generate so much money for me revenue a year or something. I want my clients to grow and if they grow they generally need to factor more. So we're there to help them grow. Okay, and now? And that part hasn't changed in our last 45 years. What has changed is we started our business with a check ledger manual, manual posting cards, rotary telephone, telephone telephone tomatoes. Tomato soup cans right, yes, I'm still, I'm still qualified with smoke signals.

Brad Gurney: 6:14

But these ledger cards, we were supposed to add them up and they were supposed to balance Everything. Yeah, I enjoyed the marketing and sales part, but the the account oh, I should have paid attention in accounting, so so, thank you. Just a fax machine was a big deal back then, right, and now of course we're. We're working with our, with our software provider, to make sure our client portal is just as intuitive as your Apple phone, right and user friendly and that's why I learned about.

Jacquelyn Jackson: 6:58

Look blockchain dollars technology out. Here I get. We have to know all that stuff.

Brad Gurney: 7:03

So, and we got our, so our software developer, they, they, they have that, that expertise. And as we bring a new client on board, we say you're going to love our portal, your accountant's going to love the portal, you'll get all your information here. Let me train you. Oh, we were already on the portal. We don't need to waste our time getting trained. So it's, it is intuitive.

Jacquelyn Jackson: 7:28

So it's a lot more easier, as what you're saying, to actually get your funding. Now I think let's talk about the time. Is it? Is it quicker, is it longer?

Brad Gurney: 7:36

Probably quicker in that our client. Well, when we started and I've used Texas instruments thank God for them because 40 years ago we opened an office two blocks from Texas instruments, at Central and LBJ, and we were wanted to be close to them because all our clients were dropping off parts in printing and supplying warehouse people and they had to physically bring paperwork to my office.

Jacquelyn Jackson: 8:08

That's why you had to be closer to your client.

Brad Gurney: 8:11

And so they were dropping off parts. Then they'd come to our office, get a cup of coffee, get a donut, would make phone calls, would get everything situated and then, and then, maybe in a day or two, we're be able to cut a check.

Jacquelyn Jackson: 8:24

Wow.

Brad Gurney: 8:25

And so now my client downloads their pay. Their pay downloads their information.

Jacquelyn Jackson: 8:33

There's no you don't even have to see them to go in and just initially put your first preapplication.

Brad Gurney: 8:36

Yeah, and it's yeah, and everything's streamed, downloaded, and I look and I see, oh, that's there, that's there, that's great, let's buy, let's buy that invoice, let's wire the money and and that's it.

Jacquelyn Jackson: 8:49

Yeah, and that's the hot. What's the timeframe on that? Probably what. So turn around town, probably like what.

Brad Gurney: 8:55

It can be a matter of hours. What hours it?

Jacquelyn Jackson: 8:57

could be sure and see that's different than what we have heard of long time ago how long stuff take and there are some, and I want our listeners now listen to what he's saying. He's saying you may be hours or maybe days, but compared to a term loan and a bank loan, it's a lot shorter. Oh is what we said timeline. So see, that's an option, guys. Remember we talk options, not alternatives, but options that you have out here that you're not aware.

Brad Gurney: 9:21

And as as an option we're. One of our advantages is we can move very quickly. Okay, my partner and I will move very quickly. Okay, people aren't contacting us because they might need money next month to. They are in a bind right now. They have an opportunity right now. They need cash Right Now. That that's why they're calling me. We understand that. Okay, and if I take care, if I am a solution to their problem, I'm going to fund them quickly, right?

Jacquelyn Jackson: 9:58

Quickly Now this is what I want to say from the loan broker side, so you guys can know what he's saying. That one thing that sticks out, I think, with you all is that you want to know, okay, what qualifies me to even get this loan. So we do want to mention the qualification. If I'm right and Brad you can correct me it's based on their vendor the one that invoice their customer that they're sending into you. So let's talk on that. So tell me what it had.

Brad Gurney: 10:22

Yeah, so as I buy that invoice, I'm not expecting my client to pay me back. Okay, they provided that product, that service, to their customer. Their customer is going to pay that invoice, right, so I run credit. So it's a customer who's going to pay me, so I'll run credit reports on their customer. Are they billing TI? Are they billing the school district? Are they billing a hospital? Are they billing the city of Dallas?

Brad Gurney: 10:58

So if that customer is credit worthy, that's what I'm looking for and if my client was billing a commercial moving company today, it was a $6,000 bill. That commercial moving company has to have a credit report where they've paid $6,000 bills before right.

Jacquelyn Jackson: 11:22

Right.

Brad Gurney: 11:24

Now I wouldn't buy 6 billion to that company, but my client's doing $6,000. It's a perfect fit, Right for you.

Jacquelyn Jackson: 11:32

And I like that because that's what we need, to see what the options are, because also with you guys, as good and tell me, correct me if I'm wrong. What about, like, safe against the instant contracts, if a person have a contract with the government?

Brad Gurney: 11:45

Yeah, if a contract is going to work the same way, okay, and that factors, by definition, are buying the invoice, they're buying the billing for something that's been delivered, something that's that is, the service was provided, okay. So if you have the contract to mow up and down the highway, I can't help you buy tractors, but if you can mow for one week, okay and build a highway for $10,000 worth of mowing got you. Then you. Then you don't have to wait the 3040 days, 50 days for the government to pay.

Jacquelyn Jackson: 12:38

Right. So basically we're saying again people an option. A lot of folks are, some people are trying to get into the contractual business with the government. You know we get a lot of that. Our women are trying to, minorities are. We get that. But what are you doing to get that contract? Because you need money, because they're not paying you necessarily up front. That's what you have to realize when you get a contract Some. Most time you're not paid any money up front.

Jacquelyn Jackson: 12:59

No, you're paid at the end Right, and that's where you come in. Yeah, okay. At TDJ equity funding, we understand the challenges you face, whether you're expanding your business, investing in real estate or launching a startup. We've got your back. Our expertise of loan brokers is dedicated to helping you secure the funding you need hassle free. Imagine a future where your business thrives, where opportunities are endless and working capital has made a great difference in your business. Tdj equity funding can make it happen. Book an appointment with us as easy as pot. Just visit our website at wwwtdjequityllcnet and take the first step towards your financial success. Don't let your dreams gather dust on the shelf. Seize the opportunity today. Visit wwwtdjequitylcnet and schedule your appointment with TDJ equity funding. Let's turn your dreams into dollars.

Outro: 14:00

Welcome to Frameworks Consortium, your partner for sustainable business success. Frameworks Consortium is your strategic guide, providing you with clear, actionable roadmaps to achieve your business goals. Our team of seasoned strategists provides expert guidance, ensuring you make informed decisions with clarity and confidence. We develop customized solutions that align with your unique business objectives, fostering growth and resilience in an ever-changing business environment. Connect with us today and harness the power of strategic planning for your business.

Jacquelyn Jackson: 14:31

Now let me ask you about the company that you're getting the invoice from. But that's actually what is your customer when they be their customer.

Brad Gurney: 14:40

So we call them our client is who. I'm going to fund.

Jacquelyn Jackson: 14:43

The business owner.

Brad Gurney: 14:44

Yes, the business owner is my client and I buy the invoice to their customer. And then what's the thing we're talking about? So my client and a lot of my clients are going to be in the startup phase. And then also we've had clients as entrepreneurs. You run into an entrepreneur who's put too much money in their business maybe their last business didn't work out so well, and so the entrepreneur has a rough credit report. Okay, okay, that's okay for me. See, that's okay for me. We're not focused on their personal credit report, their personal credit score. I'm not going to tell you how low I go, because nobody will believe me.

Jacquelyn Jackson: 15:27

Right.

Brad Gurney: 15:27

Because if they're providing a window washing service to the Federal Reserve building on Pearl Street, I know the Federal Reserve can just print up money, right? I guess we're not supposed to start down that route.

Jacquelyn Jackson: 15:48

We'll do that for the next one.

Brad Gurney: 15:51

Okay. So my client, they might have had something. Their credit score might be very low. They're going to get paid by the Federal Reserve. They've cleaned the windows Right, so that's a great situation.

Jacquelyn Jackson: 16:08

That's what it is. So now let me show you what we just incited to. You can have a business. Your credit may not be as good, but you have a lot of great client invoice clients is what you have. Now you have another opportunity to get some type of money because you can sell them and therefore you can get that money to continue your business.

Brad Gurney: 16:28

Happiness is positive cash flow, Jackie.

Jacquelyn Jackson: 16:31

Exactly, and that's how that works. So that's what we're going to talk on. We got more stuff that I'm going to go through with this. I just want to kind of, at this point, make a comment and note to you all of how important it is for you, as business owners, to learn your options, because when you are slammed in that one situation or you believe your bankers are the only way you can get money, it locks you in and it doesn't free you up. And then, just like I mean it was a saying that I had heard from a guy that said you know you have to free yourself, you know, from certain things that stop you from growing, and lack of knowledge is one.

Jacquelyn Jackson: 17:07

Another one is free yourself without actually freeing yourself. But you should notice, when the time you actually imprison yourself, that you can see you imprisoning yourself and lack of knowledge and knowing what else is out. There is definitely what's happening with business owners. That's why we're here, that's why he's here, because now you now have an opportunity to get these, when you get these contracts, because, if they can, they can still just submit it to us, right, and you can look and let us know how much you can do of it, right. Yes, yes right Because.

Jacquelyn Jackson: 17:38

I know you said well, I'm not doing all of it, but we can do.

Brad Gurney: 17:40

Well, yeah, and we'll work with our clients and as we get credit information in on their customer, we keep our client informed. Hey, macy's is showing a lot of struggling signs. You got that shipment of dresses. Maybe you can ship them to Ross stress for less instead of Macy's Right, because who wants to?

Jacquelyn Jackson: 18:09

ship out those dresses, right?

Brad Gurney: 18:11

not knowing if you're going to get paid.

Jacquelyn Jackson: 18:13

Okay, so you said you kind of stay on top of monitoring what's going on with the vendors as well, and that's why now, let's, let's understand Now, mr Bright is actually saying that it's a certain caliber that he's only going to work with. I do have other factors, like, say, there's other factors out there Like we talked about construction.

Brad Gurney: 18:30

There's factors who specialize in that, so they need to know that.

Jacquelyn Jackson: 18:34

So if do you know the different type of okay, you name some different types of fact, like I know construction, because you and I talked about it. I asked you about it.

Brad Gurney: 18:42

So the classic factoring is the category of my company is going to fall in, where we're providing our service to the staffing companies and manufacturers, service companies, oil field service, the other two major categories of factors one's going to be healthcare factors, where a clinic, a hospital is billing insurance, medicare, medicaid, gotcha. That of course is going to be very specialized billing.

Jacquelyn Jackson: 19:18

Yeah, understand.

Brad Gurney: 19:19

And then construction factoring Is another, is the other. There's just a level of construction laws out there. There's a level of laws out there about when you can bill, when a payment has to be made, if a when a late payment can be bonded, and and If you're going to get into that kind of factoring, you really have to specialize in that, because it's more detailing, you're right. Yeah.

Jacquelyn Jackson: 19:48

I mentioned contract. I noted from having experience with working with them is you're right because you got that um pavement, that contract, that subcontract and all that.

Brad Gurney: 19:56

Well, and then subcontractors there's, there's laws about them being paid, there's lots about inventory being paid and the supply. So yeah, then you especially specialized.

Jacquelyn Jackson: 20:05

Okay, so that's good. So we're basically saying the three types of categories you're talking about that that's majorly you know about is the I guess the at me and pretty much factor in administration, like you said, sales, retail, all that, that retail type, right, if we want to call that. And then you have the health care and then we have the construction.

Brad Gurney: 20:23

Is that right? I wish you would know, so I'll call it. I'll call it the. I'll call it classic factoring, traditional factoring. Okay, it is it in the 1950s, 1960s in America? America had a lot of furniture manufacturers.

Brad Gurney: 20:45

America had a lot of carpet, carpeting manufacturers and those industries were All factoring, all the all the little furniture shop, big furniture and so those in. So that really was a. Where factoring is a Is going back to the Mayflower. There there was factors that helped finance that, the Mayflower. So it's an old, it's a very old form of financing but it really grew in the 1950s, 1960s and in Chicago, new York, to Finances right these industries.

Jacquelyn Jackson: 21:30

So let me ask you this, since you you said it's because I can see it was a lot going on. Now it's not as much of it going on now, you think always grown is wrong.

Brad Gurney: 21:39

That's what I'm saying it's so those industry yes. So there's probably not as many furniture manufacturers in America but, there's Still all sorts of lots of manufacturing.

Brad Gurney: 21:52

manufacturing is coming back to America. We're getting a chance to work with some of those companies. Staffing there is a Huge part of our economy and that includes it could be healthcare staffing, warehouse staffing, it staffing. The outsourcing Companies will use outsourcing to hire receptionist, to hire People to work on a project for six months and then they know that project's gonna wind down so they outsource it. Those are all companies that have a just got a profitable contract and they've got five people who can go work for Amazon, but now they gotta make payroll and Amazon's not gonna pay them for 45 days.

Jacquelyn Jackson: 22:53

I see that you can step in and help them.

Brad Gurney: 22:56

So it's a I forget how many billions, Just a huge number that was factored in America last year.

Jacquelyn Jackson: 23:05

Wow. So nothing has changed on fact and it's just being aware that it's available and matching up the industry with the client the customer right, yes, is what we need to do to match that up.

Jacquelyn Jackson: 23:16

But see, that gives us our business almost another way of getting money, and that's why we include that in our stacks of what we do. So we're found out that. It is wonderful because, like you said, it's not based on the credit as much. But it's like some clients, even though they credit is great, they still can't walk away with half a million dollar loan Just uncollaborized. So they have. We have used you guys because you came in really good at that point to work Factoring work. Wonderful for you.

Brad Gurney: 23:45

And as our economy goes through cycles, go through changes. With today's economy, the banks as they some banks had challenges last year, the banks are at this point going to be more cautious with their commercial lending.

Jacquelyn Jackson: 24:01

They are, they are.

Brad Gurney: 24:02

They're going to be more cautious If you walk in with accounts receivable, maybe three, four years ago, maybe the bank might have had an appetite. Right now they're going to be more cautious. The interest rates are higher, the banks are cautious and yet the economy's strong and a lot of startups are getting these new contracts Right. They are how are they going to function Exactly?

Jacquelyn Jackson: 24:29

exactly, and that's why we wanted to have you on to actually talk about the factoring or the invoice buy-in, as you said invoice buy-in so our clients, our customers, listeners, can know what's the option and what is out there, because we're talking to just about one of many, and that's what happens with us. When we're in business, we only know about one or two things, and so you have to understand at some point. Lack of knowledge will affect your business. So we're trying to involve and have people here that can talk about all the different options.

Jacquelyn Jackson: 25:02

This is wonderful for a lot of people that's actually looking at doing contracts for the government, cause I actually have some people that come in and say I want to start my own company. You know the first thing. We ask them okay, well, how much money you have to get started? And we say that because we have a business development side as well. So when they come talking about money, we have to ask certain questions and what we realize is that people don't, business owners don't realize all the options they have. And factoring receivable factoring is a wonderful option for people, for business owners, to utilize. So I guess as best as reach out, find out what all can be done and how we would actually do it right. What are the extensions you have?

Brad Gurney: 25:43

So, of course, working with you, okay, of course. And as we talk to a prospect on the phone, we're finding out who their customers are, of course, what business they have. Are they a drywall contractor or are they a security guard company? Right, so I want to make sure it's an industry I'm comfortable with. And then, how much are you billing out? I'm billing out 2,000 a month. You know I know a factor who loves smaller volumes, right. Well, I'm billing out 20 million a month. You know I know a factor who likes bigger volumes, right. So, either way, yeah, so I guess I'm. Am I Goldilocks? Is she the one who gets the bed? Just right? Yeah, yeah. So you see, it's been a long time since I've read the stories.

Brad Gurney: 26:36

Right you and me, so yes, so yeah, so we will work with the prospect and try to qualify them very quickly that that's something we're interested in. And then if, oh, you got a good factoring deal but here's a company that would fit your needs better, be happy to give them that referral, because we have a five-star Google rate and we've been top rated because over our 45 years we've learned let's stick to what we're good at.

Jacquelyn Jackson: 27:12

Right, right, and that's what you're good at. And if it's?

Jacquelyn Jackson: 27:15

to this too much that no, and that's what makes you guys a perfect fit for certain businesses. So, listeners, if your business is based on invoices you have a lot of invoices that you get paid off of, okay, so you have businesses that you get paid off of then you want to actually look at factoring. Also, if you have a bigger vendor, client or client, because we call them vendors but if you have a vendor that is big enough for money wise, that credit worthy, is really good. I mean, you really want to consider factoring that invoice. And I know sometimes we may think well, like Texas Instrument, for we can, we can. You know we're gonna pay, so I'm just gonna wait. But let me tell you what happens in business. That's fine if it's a personal thing, but when you in business payroll comes up, problems come up, mechanical.

Brad Gurney: 28:10

Problems, take money.

Jacquelyn Jackson: 28:11

Problems take money. When you start talking about actually business and you look at the options, the one thing about business owners try to do is think, oh, I can do it or I don't need it. I need you out to really think why would you go through that when all you have to do is reach out and contact someone that can show you what's available for you? You either can take it or you don't, but at least you'll know you have options, have the option.

Brad Gurney: 28:36

And again, we don't require our clients to factor all their invoices or to factor any of their invoices. If we had a company that was delivering, manufacturing and delivering patio furniture to Home Depot and he thought, okay, I'm gonna get you in place, I want you to get me qualified, I'll, let's get everything, all the paperwork done, let's get it. I don't think I'm gonna need you for six months, maybe a year. But he had the foresight to know that Home Depot could turn that dial just a little bit and he would be snowed under.

Jacquelyn Jackson: 29:21

Oh true, oh my goodness, that is so true. So you need to, and you-.

Brad Gurney: 29:26

And so he had the foresight, and so good for him. Uh, uh, and, and then, and within a month, he came to us and said I need the money. Let's uh, we're, we're in business. It's okay, I'll buy you lunch for Admus.

Jacquelyn Jackson: 29:43

I know I'll buy lunch, but and see, and that's what we're doing we're trying to teach people in our courses that that you need to have yourself set up for the money before you need the money.

Brad Gurney: 29:52

Jackie, it's so much easier to get this in place before you need it. It's so much easier to qualify yes Before you need it. Before you've taken your last penny out of your IRA, buried in your business, and it's gone. Now that is true.

Jacquelyn Jackson: 30:11

I, we, let's stop. I want to emphasize on that. I've had it happen so many times. When you reach out to us as a loan broker, or you reach out to Brad and them, by the time you reach out to them, you've either ate up your credit, like you said, or you've taken everything out of your retirement, all of your savings, you've used all that, and now you come looking for us. Come before that time. That's what you, when you have that money there, then come with us, we, we understand.

Brad Gurney: 30:40

This is my company. I've put my money in my company, so I understand that you're going to fund your baby, but I could only put so much of my money in.

Jacquelyn Jackson: 30:51

We had to get other resources, so it's just right.

Brad Gurney: 30:54

And and I'm glad that we're explaining this option- yes, I am, we need to have it.

Jacquelyn Jackson: 31:03

So I do want you all. Anything was not before, but I want anything you want to say to our listeners to let them, or any call or action you want them to do at this point.

Brad Gurney: 31:14

I love how you've explained that we're focused on the credit strength of the vendor, the customer, and the flexibility we try to offer that we do offer our clients so that we're there to help them grow. We do get clients who have to put out a fire. They're behind on on payroll, they're behind on, yeah, and you can't be there very long, but that's the business world and things happen. So if it's a strong situation, if we can get our hands around it, then, let's, let's get the fire out and let's go forward.

Brad Gurney: 32:05

It's that some people have also said well, gee, factory is expensive. Well, what's the value of factory? We did sign up for client years ago and he was really. He was a high paid software engineer. He was just billing a company for his hours work. I think we were factoring his payroll.

Brad Gurney: 32:29

I kept asking him about it. He goes no, no, I want to do this. He never grew. He never hired another per. He never grew. It was like at the end of the year I was like why are you giving me a fee and you're not? Um, I don't know what his the value was to him, but we signed up a machine shop out in Kaufman, texas. He was billing several different oil companies about 50,000 a month and a little whatever they they use on the pump checks. When he sold his company he was billing out a little over 3 million a month Now providing hardware to the hospitality industry, to hotels, and to get work from 50,000 a month to 3 million a month. It took a lot of money and he made a lot of money. He paid us an expense but he wouldn't have grown and he wouldn't have made all the all the extra money. So it takes money to make money.

Jacquelyn Jackson: 33:44

Right and we have to understand that this is not person's business. You have to understand that. That's why it's so important to be aware of receivable factor in your profile of lending. Slash financing money, working capital opportunities, working cap. You have to keep the factoring. I believe factoring is one of the major ones we like and we like to use for certain clients and I think, like I said, people need to be aware that it's out here and that it's available and everything for you as well.

Jacquelyn Jackson: 34:16

Okay, so we're going to get ready to wrap this up, I do want to thank you and I appreciate you so much for being here.

Brad Gurney: 34:23

Jackie, you made this very enjoyable and I've learned better how to explain factoring.

Jacquelyn Jackson: 34:33

Thank you for my little comment, thank you for our conversations. I appreciate you and I want to thank our listeners. I appreciate you all so much, the feedback we're getting, the comments we're getting, and I just thank you. So we didn't let us know what we're doing and our lenders coming out professional lenders they actually come out there in the industry when I say professional, I mean they're professionals in the industry, they're in the financing industry and they're coming out and they're giving you guys their insight and that knowledge and I appreciate you all thanking us and you're glad that we have there.

Jacquelyn Jackson: 35:01

If you want to be aware of everything we got going on listeners for as our podcast, you can listen to us on all the platforms all over the major platforms. You're on those, so you can listen to us on those as well. As we would love for you guys to be part of our funders insiders community. We do have that where you can go sign up at tdjequityllcnet backslashpodcast. We want you to sign up because from there we're actually educating people more through our mailing of also giving you some PDFs. We give you some documents. We try to give you guys a lot of stuff that can kind of guide you on the lending road, of the proper way, of how you should be set up to be fundable. So again, I want to thank you guys for being part of our show and until next time, take care and thank you.

Intro: 35:53

We hope you enjoyed this episode of TDJ Equity Funding Insiders podcast. If you'd like to be a guest or get in touch with us, please visit our website at tdjequityllcnet, forward slash podcast or email us at podcast at tdjequityfundinginsidersnet. Until next time, take care.