May 8, 2025 • 28 mins
Learn how to secure business funding & navigate business sales successfully with these financing tips. Whether you're a startup or established business, these strategies will help you achieve your financial goals!
George Otel, an entrepreneur over the last 10 years active in real estate and finance, participated in multiple transactions such as business acquisitions, partner buyouts, Commercial Real Estate, finance, structuring different finance options for business funding. George has helped 400+ businesses secure the best funding and has also participated in more than 15 business sale transactions, assisting owners in ensuring a smooth process.
Over the years, he has built strong relationships with hundreds of funding sources, enabling him to support a wide range of financing needs for small businesses—up to $50,000,000.
CONTACT INFORMATION:
LinkedIN: https://www.linkedin.com/in/georgeotel/
Facebook: https://www.facebook.com/George.Otel
Instagram: https://www.instagram.com/georgeotel/
X: https://x.com/george_otel
Website: https://www.usbizfunding.net/
Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.
Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services.
George Otel, an entrepreneur over the last 10 years active in real estate and finance, participated in multiple transactions such as business acquisitions, partner buyouts, Commercial Real Estate, finance, structuring different finance options for business funding. George has helped 400+ businesses secure the best funding and has also participated in more than 15 business sale transactions, assisting owners in ensuring a smooth process.
Over the years, he has built strong relationships with hundreds of funding sources, enabling him to support a wide range of financing needs for small businesses—up to $50,000,000.
CONTACT INFORMATION:
LinkedIN: https://www.linkedin.com/in/georgeotel/
Facebook: https://www.facebook.com/George.Otel
Instagram: https://www.instagram.com/georgeotel/
X: https://x.com/george_otel
Website: https://www.usbizfunding.net/
Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.
Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Welcome to Just Minded My Business Media LLC, where you
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(00:48):
information that you can use.
Speaker 2 (00:56):
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Speaker 1 (01:30):
Welcome to just mind in my business media. I'm so
happy that you are here with us today, and boy
do I have a treat for you. George Hotel has
helped four hundred plus businesses secure the best funding and
has also participated in more than fifteen business sale transactions,
(01:52):
assisting owners and ensuring a smooth process. I love that
over the years he has built strongly relationships with hundreds
of funding sources, enabling him to support a wide range
of financing needs for small businesses. Wow, well, welcome George.
I'm so happy to have you here today. We always
(02:14):
like to talk about money.
Speaker 3 (02:16):
Yes, thank you, Iida, thank you for having me. It's
always interesting to find out that every business is different
than every situation is different than it was a month
ago or a couple of weeks ago. And thank you
for creating this value teaching learnings for business owners.
Speaker 1 (02:40):
Absolutely, and in today's world, finances has become even more
and more important. So George, let me ask you, how
did you find yourself in the business finance business?
Speaker 3 (02:55):
So I owned a couple small businesses over the years,
and I stuck in this chapter of how to Get Money.
How to raise money, how to buy equipment, how to
buy buildings and stuff like that. And I started working
with someone and I asked him, Ay, I'm willing to
bring clients if you're willing to teach me. So we
(03:18):
started from there with small loans, equipment financing, business loan,
SBA loans and now it's US Business Finding is my
company for seven years now. We have equipment department, SBA,
Commercial real estate finance and helping business owners get the
(03:38):
best options for their business when it comes to financing.
Speaker 1 (03:44):
So that's good. It's always good to meet people that
started from the trenches. They have the most bruises, I
should say, and those bruises create knowledge. So thank you.
So CR, let's talk a little bit about that. What
(04:04):
is CR and why did you decide to expand into
that type of fund?
Speaker 3 (04:11):
Yeah, CERI is commercial finance, it's commercial real estate basically.
So when business owner comes to me, I look at
from the perspective as a business owner and from the
perspective as a lender and as an investor in multiple
businesses as well. I do as I mentioned earlier, US
(04:35):
Business Funding. We help with the let's say, line of credit,
working capital. I have a lot of requests for loans
from government because they confusing, and a lot of lenders
they they the structure in a way that it is
hard for business owners who understand them. So that's my position,
(04:56):
my job to make sure the lenders get what they
need and the small business owners get less frustration and
actually close on those loans because a lot of them
they don't close because you know, it's tough to understand
what was the requirements and basically equipment financing small as
(05:17):
B loans they go. I have two other partners that
we work together basically making the Department of Equipment finance
small business loans as B loans with working capital, and
my focus is on a commercial real estate. So when
it comes to commercial real estate, a lot of small business.
Speaker 4 (05:38):
Owners they don't realize that I have won.
Speaker 3 (05:41):
Recently, he was paying rent for seven years, so basically
I don't give you going to give you rough numbers.
He was paying almost ten thousand dollars for release every
month for the business property space and we were able
to see cure the building that they were looking for.
(06:02):
With the low down payment, you don't need a lot
of money. Sometimes it's ten percent, sometimes it's even five percent,
and we have absence for one hundred percent. If you say,
let's say you listed for over twelve months. It's a
government program that helps business owners to get asked to
build wealth because all the payments you make for the rent,
they just.
Speaker 4 (06:25):
Go away.
Speaker 3 (06:26):
But by in the building, you're building wealth because you
can deduct that. Basically, the property is going to improve
for the years, which is we have a check record.
Speaker 4 (06:37):
Of hundreds of years. And you build an equity.
Speaker 3 (06:41):
I mean every payment you're getting a small piece you
can improve it or you know, it's that's how you
build it up. I mean I tell my clients commercial
real estate is your retirement.
Speaker 4 (06:52):
It's like you.
Speaker 3 (06:53):
Want to get out of the business, sell the business,
but you're gonna have the real estate. So you just
put one tenant and it's gonna pay you than grand
a year at than grand a month. And let's say
you own it almost pretty and clear, or have a
big chunk of money coming to you just by doing
the right thing.
Speaker 1 (07:11):
Yes, yes, indeed, So let me ask you, when you
were both a client, can you take us through the
process when a company contacts you, what does that look like?
Speaker 4 (07:24):
Yeah?
Speaker 3 (07:24):
So they contact me and I ask them what is
the goal? What are they trying to accomplish. Either they
want equipment financing or they want a line of credit,
because sometimes they say, let's say they want to buy
a piece of equipment and they think they need cash
loan because basically when you get cash loan, working capital
(07:45):
is more expensive.
Speaker 4 (07:46):
And I'll explaining that.
Speaker 3 (07:47):
Look, I have lenders that they can basically give you
a loan with a lower interest using the equipment as collateral,
so it's more flexible for you.
Speaker 4 (07:58):
Lower payments and it's much better.
Speaker 3 (08:01):
And if you want, I can get you a line
of credit, which is like you're gonna use it only
when you need it. So he comes with one problem,
I solved two of them. So it's much easier to understand.
So I kind of take like ten to fifteen minutes
to understand how the business structure, how it works, what
is the focus.
Speaker 4 (08:22):
I participate in multiple business sales.
Speaker 3 (08:25):
And I know what it takes to do the business right,
to have systems in place to optimize the right. Because
a lot of times to make more money, you don't
need to do more things. You just need to sell
more things or to upgrade things and to provide more
value because it's you made your clients may need that
(08:50):
service and you're not offering it, and you may be
able to offer it, but you don't take time to study.
As I mentioned, I take time to study what is
actually the problem, the trouble for my client, and I'm
trying to solve whatever they need right now.
Speaker 4 (09:04):
And I explain, hey, look.
Speaker 3 (09:05):
If you're look willing to do you want to do this,
I'm kind of like painting the big picture so they
have a better understanding for the future. I tell them, hey,
make sure you don't do this, make sure you do that,
adjust your score.
Speaker 4 (09:17):
I tell them, look.
Speaker 3 (09:18):
For the money when you don't need it, because when
you need it, you either don't get it, whether they
are too expensive or you don't have enough time.
Speaker 4 (09:26):
To get it.
Speaker 3 (09:27):
So it's you don't want to position yourself in a
unpleasant situation.
Speaker 1 (09:34):
Absolutely, absolutely, So if companies want to work with you,
how do they reach out to you?
Speaker 3 (09:40):
They can reach out to me on a LinkedIn It's
a George Hotel LinkedIn. Also on my website it's US
Business Funding that net or usbi Z funding that net.
Also we helped a lot of transportation company trucking company.
Speaker 4 (09:57):
We have another webs site.
Speaker 3 (10:00):
It's trucking finance loans for specific for transportation, which is
one of my prior focus. So yeah, anything from I
told them from buying your first truck to buying your terminal.
I'm here for you to guide you, to assist you.
Speaker 1 (10:18):
Yeah. Yeah, So that was going to be my next question.
What types of companies you service?
Speaker 3 (10:25):
So we are service basically all of the companies, but
we try to focus on the one that we have
more experience, so transportation logistics. We have a lot of restaurants,
construction companies, cleaning companies, roofing companies, flooring commercial We operate nationwide.
(10:49):
We have multiple lenders willing to do I'm part of
the American Association of Commercial Finance Lenders, Commercial Commercial Finance Brokers. Sorry,
and whatever is going on in the market, I have
access to and I have a couple other partners. If
I'm not able to do it, then they may be
able to do it. Then if they're not able to
(11:10):
do it, then maybe you need to fix something. Because
it's obviously we want to help, but it's all depend
on you as well.
Speaker 1 (11:17):
Yes, yes, yes, So let's talk about starting a business
and needing your service. What does that look like.
Speaker 3 (11:28):
So when everybody when somebody I call it like, you
need money all the time. You need money to start
a business. So for starting a business, usually they clients
business owners. They use more of the personal side. So
one of my partners they do those credit cards with
Gero interest, which you can get like one hundred hundred
(11:50):
and fifty grand with Gero interest to kind of start
their business. Then after that we have like a year
or two year plus. Then we have access to multiple things.
We have access to equipment, to government loans which are
more affordable and actually helping. I have a lot of
companies they were like in trouble during the turbulence. Using
(12:11):
the government loans was like really delightful. It's like they
wouldn't believe that it's possible. Yeah, it's when Usually when
people they go on their own, it's much harder because
it's confusing for them and the banks they don't talk
the business owner language. They talk the finance language, which
is confusing for them.
Speaker 4 (12:31):
But we make it easier. A lot of things we
do for them.
Speaker 3 (12:34):
We tell them what to do and we prepare it
that banks just make the decision. They don't have to
do a lot of things that usually do, so it's
much easier. They love my clients, my files and everything
and the process.
Speaker 4 (12:48):
Let's say, usually if.
Speaker 3 (12:51):
You go to a bank, they give you like five
seven business days and pre approval pre qualification.
Speaker 4 (13:00):
I can get it done in two days, maybe one day.
So that's that's so amazing. I was mentioning.
Speaker 3 (13:08):
You need money to start a business, you need money
to stay in business, you need money to grow the business,
and you need money to buy a business because you
can buy basically government offering financing to buy a business,
any business with ten percent down payment. Or let's say
(13:29):
I tell a lot of clients if you want to
buy a business, you can ask for the seller. Hey
I'm willing to buy it for the right price, but
you got to show me that you're serious and you
trust your business. So you just ten percent. The seller
is coming with ten percent, so you just take the
loan in order to buy the business. Which is it's amazing.
Speaker 1 (13:48):
Yeah, yeah, yes, indeed. So let's talk a little bit
about education. Like you mentioned before, most of the time
when people business owners are presented applications and things like
that to fill out, it's mumbo jumble.
Speaker 4 (14:04):
Yeah, yep, nine percent of it is like.
Speaker 1 (14:07):
What the heck are they talking about? So as you're
going through the process, do you educate on the term analogy,
what it means and things like that.
Speaker 4 (14:17):
Oh, yes, yes, because if they don't know, they ask
me and I explain.
Speaker 3 (14:24):
How it works. So it's much easier for them. And
it's a lot of situation. After ten to fifteen minutes
just having the first conversation, they kind of like feel relieved,
they have like a better understanding because I make it
look way simpler because it's simpler, but it's we are
as humans. We see things, you know, it's like based
(14:45):
on our experience and knowledge, So it's I make it
much simpler so they better understand how it works. It's
not that complicated. And at the same time, I hold
them by hand. We're going to walk together. It's a
little bit dark, but we're going to go through and
at the end is like couple of weeks, you're gonna
get the bag and.
Speaker 4 (15:04):
Your business is going to be much better.
Speaker 3 (15:06):
I told them, hey, I wanted to succeed because you know,
I my name is on this loans and I want
to make sure you're going to be successful. And I'm
trying to kind of give them guidance what to do
and what not to do with the loan and after
the loan.
Speaker 1 (15:20):
So it's yes, absolutely, because I think that's the most
critical piece in the finance industry is to you have
to make people feel comfortable with you first, and then
they'll feel comfortable with the process. And you know some people,
you know, they it's like they don't make you feel
(15:43):
that way, And I think that's one of the most
important pieces of the puzzle, is how I relate to
you first.
Speaker 3 (15:54):
Yes, it's I'm trying to take time to understand the
business because at the end of the day, I'm not
trying to sell. In the last three years based on
my experiences, like, I'm not trying to sell anything, and
I have enough clients that are willing to look.
Speaker 4 (16:10):
I will I want to help you if you want me.
Speaker 3 (16:12):
To help you otherwise, So I take time to starty
to understand, and right on the spot, I tell them
different scenarios, Hey you can do this, what about this?
I asked them the questions that they never nobody asked
them those questions, so they that's it's much different. And
then I don't expect them to do something with me
at the same time. So I have a couple of
(16:34):
situations clients spoke with me, then they didn't do anything
for a month or two, but they send his friends
because like, hey, I'm gonna wait, I'm gonna do whatever
I need to do. But he sent his friends because hey, George,
me made me understand. So that's that's the value. Because
like I have people call me like, hey, what would
(16:55):
you do in this situation, and like it takes me
like three minutes to listen to them and to tell
them something, and you never know. Look, I tell them
I'm happy to help you because I was in your
situation and somebody helped me.
Speaker 4 (17:09):
So's it's like serving.
Speaker 3 (17:12):
Basically, I enjoy like, Okay, I will do this in
this situation.
Speaker 4 (17:16):
I'll do that in that situation.
Speaker 3 (17:18):
And I tell them, Hey, if I were in your situation,
I'll do this, But I don't tell them you have
to do this because my risk appetite is different than
yours and maybe you don't want to make the bigger
of impact or whatever. So it's I'm kind of like
running scenarios. I tell them, hey, I don't want you
to be influenced by my opinion, but I wanted to
(17:40):
consider because like it's that well, all will do And
sometimes I tell them, look, this is the reality.
Speaker 4 (17:45):
You gotta face it.
Speaker 3 (17:46):
This is I mean, you're looking for something in the market,
but the market is not offering, like especially right now.
I mean we used to do some of the loans
that we held with government, we were doing ten, fifteen,
sometimes twenty a month. Now because they tightened and like
not every not everybody's qualified. They it was two years
ago was like six eighty three the score.
Speaker 4 (18:07):
Now it's going to be seven to twenty.
Speaker 1 (18:09):
You know.
Speaker 3 (18:09):
Sometimes it's hard to qualify and I tell them, hey,
I mean the options are limited. So it's that's why
I told them, you got to look for the money
when you don't need it, because when you need it,
it's hard to get.
Speaker 1 (18:23):
It because does the rules change.
Speaker 4 (18:27):
Yeah, yeah, yeah, and you every week.
Speaker 1 (18:30):
Yes, yes, everything is changing like right before you eyes,
right now, and we're like.
Speaker 3 (18:36):
What yes, But at the same time, opportunity comes because
like yeah, it's like oh this didn't happen, then boom,
like new money coming, new ideas, new flow. It's like
I asked my question, like I was talking with my class,
with one of my partners look, transaction is gonna happen.
The question are you going to be part of those transactions?
(18:57):
Are you going to help those people? Are you whatever
you do, you manufact what they're gonna do. Like with
all this thereiffs going on. Yeah, it's gonna be bad
until we adjust. Once you're just it may be much
better because I mean much more people in the short term.
Short term is gonna be maybe turbulence a little bit spicy,
but although the long round is gonna be much better.
Speaker 4 (19:18):
So it's yes, always we always got to think in
the long term because short term is just destruction.
Speaker 1 (19:26):
Yes, I have to agree with you. And you know,
no matter what, opportunities are always created out of a mess.
Speaker 4 (19:36):
Yeah, yep, yep, everything.
Speaker 1 (19:38):
Which created out of a mess. Because people are flexible,
they look at the situation it looks pretty bad, but
at the same time they look at the positive side
of the situation and look at how they can make
it more valuable.
Speaker 3 (19:58):
Yes, yes, absolutely, and it's a lot of a lot
of important has the mindset because like we all in
this situation, right, like COVID all this and like, but
a lot of people made a lot of money millions,
you know, Like I mean, like they see because like, look,
you can spend time during your day.
Speaker 4 (20:18):
My goal is like to do my best.
Speaker 3 (20:19):
I'm asking hey, when I feel down or something, I'm
doing my best. No, okay, let me do another call,
let me do you know, like you gotta do small
steps until you so eventually it's gonna happen. I tell
the clients, hey, whatever you feel, you see like you
see like the end everything is blowing up. It's not
that bad. So I tell them, hey, you know wors
Key scenario, there's still has two three scenarios, And they're
(20:41):
like wow, because like, yeah, when when you see the wall,
you don't see the other things outside, you know. So
I told them, may make sure you look for the
money because when you have let's say you have a
lot of problems, but when the biggest problems is the money,
you see only the money problem. So it's like it's
a mental So remove that and fix the problems in
(21:03):
the business. And a lot of times it's not that
bad as the business owners see it, because you know,
it's it's emotional, it's your baby, it's your like you're proud,
your pride, and a lot of times your ego.
Speaker 4 (21:16):
I mean, it's like you're building.
Speaker 3 (21:18):
This is your ego now, you know, you know, like
time change and like it was easy for so many
years that everybody expects to be easy, you know, but
it's getting hard. But you have the you know, capacity
to go over it. Just gotta be in the light arrangment.
I told them right now, if you don't lose, you're winning,
because I mean, it's hard to make money, to make
a lot of money, but like if you're holding, eventually,
(21:41):
when the growth trend's gonna happen, you're gonna get on
your game again.
Speaker 4 (21:46):
But the goal right now to not lose. Just don't
lose money in the business.
Speaker 3 (21:50):
Just okay, break even, make a little bit, just hold,
because it's gonna happen. It's you know, it's so that's
the idea. Sometimes you make money, but make sure you
don't lose mine. So I mean, you're not gonna make it,
but like you don't lose it, so it's good.
Speaker 1 (22:03):
Yeah, yes, yes, yes.
Speaker 3 (22:05):
Make sure you're gonna you're gonna play another day.
Speaker 1 (22:08):
Yeah. I agree with you allheartedly. So tell me what
was the fastest funding deal in the cre division of
your company?
Speaker 3 (22:20):
Yes, yes, recently we had one or one commercial property
he was a business owner. It's actually a friend of mine.
They were looking to buy their commercial property.
Speaker 4 (22:31):
And he is, uh, I call it like a plus.
Speaker 3 (22:34):
It's like everything is done, everything is in order, and uh,
he was expecting it was like right before the new year.
So he was expecting it to close after the new year.
And as we both know, you want to close it
before new year because it's much easier. So he had
some question, and uh, he had some question, and I
(22:57):
had to go to ask the bank, Hey, how this
thing is gonna work out? Basically interest and all this,
you know, like you got approve, you want to do
the loan, and like, I.
Speaker 4 (23:05):
Have a couple of questions.
Speaker 3 (23:06):
So okay, So I got here with the bank, so
they were talking and other. All of the sudden, I
asked the bank, hey, can we do magic? And yeah,
we were able to close in thirty days. So basically
at the closing table, the lawyers from the seller side,
they were say, George, I've been doing this for thirty
years and I've never seen something close that fast.
Speaker 4 (23:28):
Like yeah, they nobody expected to be this.
Speaker 3 (23:30):
Fast because it's it's fast. It's like and even in
the bank history is like that was the fastest loan,
like thirty days exactly, it's it's a couple of weeks.
Thirty days usually takes I closed one recently took eight months,
so that was thirty days versus eight months.
Speaker 1 (23:48):
What was the difference with this one, because it sounds
like every t was croshed and every.
Speaker 2 (23:53):
Hour was done.
Speaker 4 (23:54):
Yeah. Most it's consisted of three parts. The client.
Speaker 3 (23:58):
As I mentioned, the client, everything is lined up because like, look,
I mean I understand sometimes as business owners.
Speaker 4 (24:05):
A little bit things are a little bit messy.
Speaker 3 (24:06):
So like the client was ready, everything was lined up,
you know, like a lot of discipline in the business
and in life. Then we got the right lender to
understand to do the structure and my relationship with the
lender because usually as a business owner, you go to
the bank and if there is no relationship, you're stranger, right,
(24:27):
So they just give some.
Speaker 4 (24:29):
Whatever is available in the Q to serve you.
Speaker 3 (24:32):
Sometimes could be somebody that just started like two weeks ago,
and you know, they look, they do it their best.
Doesn't mean they don't know what to do, but it
takes slower. It's like more back and forth. When I
go to the banks, I talk with the vice president
or I talk with its partner in the bank. So
it's like with the decision making on the spot. So
it's that's that's the second thing. And the third thing,
(24:54):
my experience, our experience as a whole for over seven
years to understan tend to break it down to make
sure because like I'm willing to take the deals that
I'm gonna win, you know, like as a lawyer, like
I'm gonna take the cases. I'm gonna take the deals
that I'm gonna fund because like look, looking at the
deal is like hard to to know if I'm gonna
do it. Then I call the bank, we run to
(25:15):
all these scenarios, then yes or no, and then I
tell the client a couple of days, yes you have
to do this or no, you have to do this
this to to make it yes.
Speaker 4 (25:25):
So that's that's kind of the idea. It's it's this
is a team work.
Speaker 3 (25:29):
It's it's not like you know, nobody does all you
see all this building in downtown or whatever. It's a
guy that has the team of people, has the real
the right broker, the finance, the bank that has like
the right lawyer and everything that make it happen.
Speaker 4 (25:43):
Because everybody is gonna be a point.
Speaker 3 (25:45):
You're gonna you're gonna be with the ball and you
have to run, you know, like I mean, everybody's running
and then we close.
Speaker 4 (25:50):
Basically we we score.
Speaker 3 (25:54):
Because luck, I mean, if you and me in the
same team, sometimes you gotta be you gotta be focusing.
You're gonna be doing everything, and you know, I really
like a couple of inches on your back, somebody's gonna
attack you.
Speaker 1 (26:08):
Because yeah, for sure.
Speaker 4 (26:11):
It's business, business and stuff. It's not for the week.
It's it's not.
Speaker 3 (26:18):
I have so many stories that like I can do
like two books just on the stories, like, oh.
Speaker 1 (26:23):
I'm sure. And speaking of books, is that in the
in the stars?
Speaker 4 (26:29):
Oh maybe I have some. Yeah.
Speaker 3 (26:35):
So the idea is like I want to make sure
this is like it's hard because like I a lot
of people like successful twenty thirty years, they took them
a year or two to do their books. So for me,
it's like, yeah, most likely yes, but not not in
the near future.
Speaker 1 (26:57):
I'm sure one day you will because the longer you
stay in business, the more things you see and some
stuff is like what and then other stuff is like yes,
you know, so hey, you you'll definitely get there. So
George again, how do people connect with you?
Speaker 3 (27:18):
Yes, you can find me on a LinkedIn George hotel
or on my website US business funding dot net and
checking finance loans. And also you can call text me
four one four four seven five seven seven five seven.
Better to text me because a lot of times it's
busy getting all these lines.
Speaker 4 (27:39):
But I'm available if you're serious.
Speaker 1 (27:44):
Yes, and the name of your company again.
Speaker 4 (27:46):
US business Funding. It's US business Funding.
Speaker 1 (27:50):
Okay, Well, George, this has been a pleasure and an honor,
and I appreciate you taking time out of your busy
day to share without audience us and definitely looking forward
to more conversations with you.
Speaker 3 (28:05):
Great appreciate it for as I mentioned, for your time,
for the questions and it's it's a pleasant, pleasant conversation
and I'm sure your listener is gonna get a lot
of value and keep pushing, keep going, give the AMNA going.
Speaker 1 (28:24):
Absolutely. Yeah, indeed, thank you to our guest and you
our value audience. Let's stop you about We truly appreciate you.
Many blessings to you. Anywers
Welcome to Just Minded My Business Media LLC, where you
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(00:48):
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Speaker 1 (01:30):
Welcome to just mind in my business media. I'm so
happy that you are here with us today, and boy
do I have a treat for you. George Hotel has
helped four hundred plus businesses secure the best funding and
has also participated in more than fifteen business sale transactions,
(01:52):
assisting owners and ensuring a smooth process. I love that
over the years he has built strongly relationships with hundreds
of funding sources, enabling him to support a wide range
of financing needs for small businesses. Wow, well, welcome George.
I'm so happy to have you here today. We always
(02:14):
like to talk about money.
Speaker 3 (02:16):
Yes, thank you, Iida, thank you for having me. It's
always interesting to find out that every business is different
than every situation is different than it was a month
ago or a couple of weeks ago. And thank you
for creating this value teaching learnings for business owners.
Speaker 1 (02:40):
Absolutely, and in today's world, finances has become even more
and more important. So George, let me ask you, how
did you find yourself in the business finance business?
Speaker 3 (02:55):
So I owned a couple small businesses over the years,
and I stuck in this chapter of how to Get Money.
How to raise money, how to buy equipment, how to
buy buildings and stuff like that. And I started working
with someone and I asked him, Ay, I'm willing to
bring clients if you're willing to teach me. So we
(03:18):
started from there with small loans, equipment financing, business loan,
SBA loans and now it's US Business Finding is my
company for seven years now. We have equipment department, SBA,
Commercial real estate finance and helping business owners get the
(03:38):
best options for their business when it comes to financing.
Speaker 1 (03:44):
So that's good. It's always good to meet people that
started from the trenches. They have the most bruises, I
should say, and those bruises create knowledge. So thank you.
So CR, let's talk a little bit about that. What
(04:04):
is CR and why did you decide to expand into
that type of fund?
Speaker 3 (04:11):
Yeah, CERI is commercial finance, it's commercial real estate basically.
So when business owner comes to me, I look at
from the perspective as a business owner and from the
perspective as a lender and as an investor in multiple
businesses as well. I do as I mentioned earlier, US
(04:35):
Business Funding. We help with the let's say, line of credit,
working capital. I have a lot of requests for loans
from government because they confusing, and a lot of lenders
they they the structure in a way that it is
hard for business owners who understand them. So that's my position,
(04:56):
my job to make sure the lenders get what they
need and the small business owners get less frustration and
actually close on those loans because a lot of them
they don't close because you know, it's tough to understand
what was the requirements and basically equipment financing small as
(05:17):
B loans they go. I have two other partners that
we work together basically making the Department of Equipment finance
small business loans as B loans with working capital, and
my focus is on a commercial real estate. So when
it comes to commercial real estate, a lot of small business.
Speaker 4 (05:38):
Owners they don't realize that I have won.
Speaker 3 (05:41):
Recently, he was paying rent for seven years, so basically
I don't give you going to give you rough numbers.
He was paying almost ten thousand dollars for release every
month for the business property space and we were able
to see cure the building that they were looking for.
(06:02):
With the low down payment, you don't need a lot
of money. Sometimes it's ten percent, sometimes it's even five percent,
and we have absence for one hundred percent. If you say,
let's say you listed for over twelve months. It's a
government program that helps business owners to get asked to
build wealth because all the payments you make for the rent,
they just.
Speaker 4 (06:25):
Go away.
Speaker 3 (06:26):
But by in the building, you're building wealth because you
can deduct that. Basically, the property is going to improve
for the years, which is we have a check record.
Speaker 4 (06:37):
Of hundreds of years. And you build an equity.
Speaker 3 (06:41):
I mean every payment you're getting a small piece you
can improve it or you know, it's that's how you
build it up. I mean I tell my clients commercial
real estate is your retirement.
Speaker 4 (06:52):
It's like you.
Speaker 3 (06:53):
Want to get out of the business, sell the business,
but you're gonna have the real estate. So you just
put one tenant and it's gonna pay you than grand
a year at than grand a month. And let's say
you own it almost pretty and clear, or have a
big chunk of money coming to you just by doing
the right thing.
Speaker 1 (07:11):
Yes, yes, indeed, So let me ask you, when you
were both a client, can you take us through the
process when a company contacts you, what does that look like?
Speaker 4 (07:24):
Yeah?
Speaker 3 (07:24):
So they contact me and I ask them what is
the goal? What are they trying to accomplish. Either they
want equipment financing or they want a line of credit,
because sometimes they say, let's say they want to buy
a piece of equipment and they think they need cash
loan because basically when you get cash loan, working capital
(07:45):
is more expensive.
Speaker 4 (07:46):
And I'll explaining that.
Speaker 3 (07:47):
Look, I have lenders that they can basically give you
a loan with a lower interest using the equipment as collateral,
so it's more flexible for you.
Speaker 4 (07:58):
Lower payments and it's much better.
Speaker 3 (08:01):
And if you want, I can get you a line
of credit, which is like you're gonna use it only
when you need it. So he comes with one problem,
I solved two of them. So it's much easier to understand.
So I kind of take like ten to fifteen minutes
to understand how the business structure, how it works, what
is the focus.
Speaker 4 (08:22):
I participate in multiple business sales.
Speaker 3 (08:25):
And I know what it takes to do the business right,
to have systems in place to optimize the right. Because
a lot of times to make more money, you don't
need to do more things. You just need to sell
more things or to upgrade things and to provide more
value because it's you made your clients may need that
(08:50):
service and you're not offering it, and you may be
able to offer it, but you don't take time to study.
As I mentioned, I take time to study what is
actually the problem, the trouble for my client, and I'm
trying to solve whatever they need right now.
Speaker 4 (09:04):
And I explain, hey, look.
Speaker 3 (09:05):
If you're look willing to do you want to do this,
I'm kind of like painting the big picture so they
have a better understanding for the future. I tell them, hey,
make sure you don't do this, make sure you do that,
adjust your score.
Speaker 4 (09:17):
I tell them, look.
Speaker 3 (09:18):
For the money when you don't need it, because when
you need it, you either don't get it, whether they
are too expensive or you don't have enough time.
Speaker 4 (09:26):
To get it.
Speaker 3 (09:27):
So it's you don't want to position yourself in a
unpleasant situation.
Speaker 1 (09:34):
Absolutely, absolutely, So if companies want to work with you,
how do they reach out to you?
Speaker 3 (09:40):
They can reach out to me on a LinkedIn It's
a George Hotel LinkedIn. Also on my website it's US
Business Funding that net or usbi Z funding that net.
Also we helped a lot of transportation company trucking company.
Speaker 4 (09:57):
We have another webs site.
Speaker 3 (10:00):
It's trucking finance loans for specific for transportation, which is
one of my prior focus. So yeah, anything from I
told them from buying your first truck to buying your terminal.
I'm here for you to guide you, to assist you.
Speaker 1 (10:18):
Yeah. Yeah, So that was going to be my next question.
What types of companies you service?
Speaker 3 (10:25):
So we are service basically all of the companies, but
we try to focus on the one that we have
more experience, so transportation logistics. We have a lot of restaurants,
construction companies, cleaning companies, roofing companies, flooring commercial We operate nationwide.
(10:49):
We have multiple lenders willing to do I'm part of
the American Association of Commercial Finance Lenders, Commercial Commercial Finance Brokers. Sorry,
and whatever is going on in the market, I have
access to and I have a couple other partners. If
I'm not able to do it, then they may be
able to do it. Then if they're not able to
(11:10):
do it, then maybe you need to fix something. Because
it's obviously we want to help, but it's all depend
on you as well.
Speaker 1 (11:17):
Yes, yes, yes, So let's talk about starting a business
and needing your service. What does that look like.
Speaker 3 (11:28):
So when everybody when somebody I call it like, you
need money all the time. You need money to start
a business. So for starting a business, usually they clients
business owners. They use more of the personal side. So
one of my partners they do those credit cards with
Gero interest, which you can get like one hundred hundred
(11:50):
and fifty grand with Gero interest to kind of start
their business. Then after that we have like a year
or two year plus. Then we have access to multiple things.
We have access to equipment, to government loans which are
more affordable and actually helping. I have a lot of
companies they were like in trouble during the turbulence. Using
(12:11):
the government loans was like really delightful. It's like they
wouldn't believe that it's possible. Yeah, it's when Usually when
people they go on their own, it's much harder because
it's confusing for them and the banks they don't talk
the business owner language. They talk the finance language, which
is confusing for them.
Speaker 4 (12:31):
But we make it easier. A lot of things we
do for them.
Speaker 3 (12:34):
We tell them what to do and we prepare it
that banks just make the decision. They don't have to
do a lot of things that usually do, so it's
much easier. They love my clients, my files and everything
and the process.
Speaker 4 (12:48):
Let's say, usually if.
Speaker 3 (12:51):
You go to a bank, they give you like five
seven business days and pre approval pre qualification.
Speaker 4 (13:00):
I can get it done in two days, maybe one day.
So that's that's so amazing. I was mentioning.
Speaker 3 (13:08):
You need money to start a business, you need money
to stay in business, you need money to grow the business,
and you need money to buy a business because you
can buy basically government offering financing to buy a business,
any business with ten percent down payment. Or let's say
(13:29):
I tell a lot of clients if you want to
buy a business, you can ask for the seller. Hey
I'm willing to buy it for the right price, but
you got to show me that you're serious and you
trust your business. So you just ten percent. The seller
is coming with ten percent, so you just take the
loan in order to buy the business. Which is it's amazing.
Speaker 1 (13:48):
Yeah, yeah, yes, indeed. So let's talk a little bit
about education. Like you mentioned before, most of the time
when people business owners are presented applications and things like
that to fill out, it's mumbo jumble.
Speaker 4 (14:04):
Yeah, yep, nine percent of it is like.
Speaker 1 (14:07):
What the heck are they talking about? So as you're
going through the process, do you educate on the term analogy,
what it means and things like that.
Speaker 4 (14:17):
Oh, yes, yes, because if they don't know, they ask
me and I explain.
Speaker 3 (14:24):
How it works. So it's much easier for them. And
it's a lot of situation. After ten to fifteen minutes
just having the first conversation, they kind of like feel relieved,
they have like a better understanding because I make it
look way simpler because it's simpler, but it's we are
as humans. We see things, you know, it's like based
(14:45):
on our experience and knowledge, So it's I make it
much simpler so they better understand how it works. It's
not that complicated. And at the same time, I hold
them by hand. We're going to walk together. It's a
little bit dark, but we're going to go through and
at the end is like couple of weeks, you're gonna
get the bag and.
Speaker 4 (15:04):
Your business is going to be much better.
Speaker 3 (15:06):
I told them, hey, I wanted to succeed because you know,
I my name is on this loans and I want
to make sure you're going to be successful. And I'm
trying to kind of give them guidance what to do
and what not to do with the loan and after
the loan.
Speaker 1 (15:20):
So it's yes, absolutely, because I think that's the most
critical piece in the finance industry is to you have
to make people feel comfortable with you first, and then
they'll feel comfortable with the process. And you know some people,
you know, they it's like they don't make you feel
(15:43):
that way, And I think that's one of the most
important pieces of the puzzle, is how I relate to
you first.
Speaker 3 (15:54):
Yes, it's I'm trying to take time to understand the
business because at the end of the day, I'm not
trying to sell. In the last three years based on
my experiences, like, I'm not trying to sell anything, and
I have enough clients that are willing to look.
Speaker 4 (16:10):
I will I want to help you if you want me.
Speaker 3 (16:12):
To help you otherwise, So I take time to starty
to understand, and right on the spot, I tell them
different scenarios, Hey you can do this, what about this?
I asked them the questions that they never nobody asked
them those questions, so they that's it's much different. And
then I don't expect them to do something with me
at the same time. So I have a couple of
(16:34):
situations clients spoke with me, then they didn't do anything
for a month or two, but they send his friends
because like, hey, I'm gonna wait, I'm gonna do whatever
I need to do. But he sent his friends because hey, George,
me made me understand. So that's that's the value. Because
like I have people call me like, hey, what would
(16:55):
you do in this situation, and like it takes me
like three minutes to listen to them and to tell
them something, and you never know. Look, I tell them
I'm happy to help you because I was in your
situation and somebody helped me.
Speaker 4 (17:09):
So's it's like serving.
Speaker 3 (17:12):
Basically, I enjoy like, Okay, I will do this in
this situation.
Speaker 4 (17:16):
I'll do that in that situation.
Speaker 3 (17:18):
And I tell them, Hey, if I were in your situation,
I'll do this, But I don't tell them you have
to do this because my risk appetite is different than
yours and maybe you don't want to make the bigger
of impact or whatever. So it's I'm kind of like
running scenarios. I tell them, hey, I don't want you
to be influenced by my opinion, but I wanted to
(17:40):
consider because like it's that well, all will do And
sometimes I tell them, look, this is the reality.
Speaker 4 (17:45):
You gotta face it.
Speaker 3 (17:46):
This is I mean, you're looking for something in the market,
but the market is not offering, like especially right now.
I mean we used to do some of the loans
that we held with government, we were doing ten, fifteen,
sometimes twenty a month. Now because they tightened and like
not every not everybody's qualified. They it was two years
ago was like six eighty three the score.
Speaker 4 (18:07):
Now it's going to be seven to twenty.
Speaker 1 (18:09):
You know.
Speaker 3 (18:09):
Sometimes it's hard to qualify and I tell them, hey,
I mean the options are limited. So it's that's why
I told them, you got to look for the money
when you don't need it, because when you need it,
it's hard to get.
Speaker 1 (18:23):
It because does the rules change.
Speaker 4 (18:27):
Yeah, yeah, yeah, and you every week.
Speaker 1 (18:30):
Yes, yes, everything is changing like right before you eyes,
right now, and we're like.
Speaker 3 (18:36):
What yes, But at the same time, opportunity comes because
like yeah, it's like oh this didn't happen, then boom,
like new money coming, new ideas, new flow. It's like
I asked my question, like I was talking with my class,
with one of my partners look, transaction is gonna happen.
The question are you going to be part of those transactions?
(18:57):
Are you going to help those people? Are you whatever
you do, you manufact what they're gonna do. Like with
all this thereiffs going on. Yeah, it's gonna be bad
until we adjust. Once you're just it may be much
better because I mean much more people in the short term.
Short term is gonna be maybe turbulence a little bit spicy,
but although the long round is gonna be much better.
Speaker 4 (19:18):
So it's yes, always we always got to think in
the long term because short term is just destruction.
Speaker 1 (19:26):
Yes, I have to agree with you. And you know,
no matter what, opportunities are always created out of a mess.
Speaker 4 (19:36):
Yeah, yep, yep, everything.
Speaker 1 (19:38):
Which created out of a mess. Because people are flexible,
they look at the situation it looks pretty bad, but
at the same time they look at the positive side
of the situation and look at how they can make
it more valuable.
Speaker 3 (19:58):
Yes, yes, absolutely, and it's a lot of a lot
of important has the mindset because like we all in
this situation, right, like COVID all this and like, but
a lot of people made a lot of money millions,
you know, Like I mean, like they see because like, look,
you can spend time during your day.
Speaker 4 (20:18):
My goal is like to do my best.
Speaker 3 (20:19):
I'm asking hey, when I feel down or something, I'm
doing my best. No, okay, let me do another call,
let me do you know, like you gotta do small
steps until you so eventually it's gonna happen. I tell
the clients, hey, whatever you feel, you see like you
see like the end everything is blowing up. It's not
that bad. So I tell them, hey, you know wors
Key scenario, there's still has two three scenarios, And they're
(20:41):
like wow, because like, yeah, when when you see the wall,
you don't see the other things outside, you know. So
I told them, may make sure you look for the
money because when you have let's say you have a
lot of problems, but when the biggest problems is the money,
you see only the money problem. So it's like it's
a mental So remove that and fix the problems in
(21:03):
the business. And a lot of times it's not that
bad as the business owners see it, because you know,
it's it's emotional, it's your baby, it's your like you're proud,
your pride, and a lot of times your ego.
Speaker 4 (21:16):
I mean, it's like you're building.
Speaker 3 (21:18):
This is your ego now, you know, you know, like
time change and like it was easy for so many
years that everybody expects to be easy, you know, but
it's getting hard. But you have the you know, capacity
to go over it. Just gotta be in the light arrangment.
I told them right now, if you don't lose, you're winning,
because I mean, it's hard to make money, to make
a lot of money, but like if you're holding, eventually,
(21:41):
when the growth trend's gonna happen, you're gonna get on
your game again.
Speaker 4 (21:46):
But the goal right now to not lose. Just don't
lose money in the business.
Speaker 3 (21:50):
Just okay, break even, make a little bit, just hold,
because it's gonna happen. It's you know, it's so that's
the idea. Sometimes you make money, but make sure you
don't lose mine. So I mean, you're not gonna make it,
but like you don't lose it, so it's good.
Speaker 1 (22:03):
Yeah, yes, yes, yes.
Speaker 3 (22:05):
Make sure you're gonna you're gonna play another day.
Speaker 1 (22:08):
Yeah. I agree with you allheartedly. So tell me what
was the fastest funding deal in the cre division of
your company?
Speaker 3 (22:20):
Yes, yes, recently we had one or one commercial property
he was a business owner. It's actually a friend of mine.
They were looking to buy their commercial property.
Speaker 4 (22:31):
And he is, uh, I call it like a plus.
Speaker 3 (22:34):
It's like everything is done, everything is in order, and uh,
he was expecting it was like right before the new year.
So he was expecting it to close after the new year.
And as we both know, you want to close it
before new year because it's much easier. So he had
some question, and uh, he had some question, and I
(22:57):
had to go to ask the bank, Hey, how this
thing is gonna work out? Basically interest and all this,
you know, like you got approve, you want to do
the loan, and like, I.
Speaker 4 (23:05):
Have a couple of questions.
Speaker 3 (23:06):
So okay, So I got here with the bank, so
they were talking and other. All of the sudden, I
asked the bank, hey, can we do magic? And yeah,
we were able to close in thirty days. So basically
at the closing table, the lawyers from the seller side,
they were say, George, I've been doing this for thirty
years and I've never seen something close that fast.
Speaker 4 (23:28):
Like yeah, they nobody expected to be this.
Speaker 3 (23:30):
Fast because it's it's fast. It's like and even in
the bank history is like that was the fastest loan,
like thirty days exactly, it's it's a couple of weeks.
Thirty days usually takes I closed one recently took eight months,
so that was thirty days versus eight months.
Speaker 1 (23:48):
What was the difference with this one, because it sounds
like every t was croshed and every.
Speaker 2 (23:53):
Hour was done.
Speaker 4 (23:54):
Yeah. Most it's consisted of three parts. The client.
Speaker 3 (23:58):
As I mentioned, the client, everything is lined up because like, look,
I mean I understand sometimes as business owners.
Speaker 4 (24:05):
A little bit things are a little bit messy.
Speaker 3 (24:06):
So like the client was ready, everything was lined up,
you know, like a lot of discipline in the business
and in life. Then we got the right lender to
understand to do the structure and my relationship with the
lender because usually as a business owner, you go to
the bank and if there is no relationship, you're stranger, right,
(24:27):
So they just give some.
Speaker 4 (24:29):
Whatever is available in the Q to serve you.
Speaker 3 (24:32):
Sometimes could be somebody that just started like two weeks ago,
and you know, they look, they do it their best.
Doesn't mean they don't know what to do, but it
takes slower. It's like more back and forth. When I
go to the banks, I talk with the vice president
or I talk with its partner in the bank. So
it's like with the decision making on the spot. So
it's that's that's the second thing. And the third thing,
(24:54):
my experience, our experience as a whole for over seven
years to understan tend to break it down to make
sure because like I'm willing to take the deals that
I'm gonna win, you know, like as a lawyer, like
I'm gonna take the cases. I'm gonna take the deals
that I'm gonna fund because like look, looking at the
deal is like hard to to know if I'm gonna
do it. Then I call the bank, we run to
(25:15):
all these scenarios, then yes or no, and then I
tell the client a couple of days, yes you have
to do this or no, you have to do this
this to to make it yes.
Speaker 4 (25:25):
So that's that's kind of the idea. It's it's this
is a team work.
Speaker 3 (25:29):
It's it's not like you know, nobody does all you
see all this building in downtown or whatever. It's a
guy that has the team of people, has the real
the right broker, the finance, the bank that has like
the right lawyer and everything that make it happen.
Speaker 4 (25:43):
Because everybody is gonna be a point.
Speaker 3 (25:45):
You're gonna you're gonna be with the ball and you
have to run, you know, like I mean, everybody's running
and then we close.
Speaker 4 (25:50):
Basically we we score.
Speaker 3 (25:54):
Because luck, I mean, if you and me in the
same team, sometimes you gotta be you gotta be focusing.
You're gonna be doing everything, and you know, I really
like a couple of inches on your back, somebody's gonna
attack you.
Speaker 1 (26:08):
Because yeah, for sure.
Speaker 4 (26:11):
It's business, business and stuff. It's not for the week.
It's it's not.
Speaker 3 (26:18):
I have so many stories that like I can do
like two books just on the stories, like, oh.
Speaker 1 (26:23):
I'm sure. And speaking of books, is that in the
in the stars?
Speaker 4 (26:29):
Oh maybe I have some. Yeah.
Speaker 3 (26:35):
So the idea is like I want to make sure
this is like it's hard because like I a lot
of people like successful twenty thirty years, they took them
a year or two to do their books. So for me,
it's like, yeah, most likely yes, but not not in
the near future.
Speaker 1 (26:57):
I'm sure one day you will because the longer you
stay in business, the more things you see and some
stuff is like what and then other stuff is like yes,
you know, so hey, you you'll definitely get there. So
George again, how do people connect with you?
Speaker 3 (27:18):
Yes, you can find me on a LinkedIn George hotel
or on my website US business funding dot net and
checking finance loans. And also you can call text me
four one four four seven five seven seven five seven.
Better to text me because a lot of times it's
busy getting all these lines.
Speaker 4 (27:39):
But I'm available if you're serious.
Speaker 1 (27:44):
Yes, and the name of your company again.
Speaker 4 (27:46):
US business Funding. It's US business Funding.
Speaker 1 (27:50):
Okay, Well, George, this has been a pleasure and an honor,
and I appreciate you taking time out of your busy
day to share without audience us and definitely looking forward
to more conversations with you.
Speaker 3 (28:05):
Great appreciate it for as I mentioned, for your time,
for the questions and it's it's a pleasant, pleasant conversation
and I'm sure your listener is gonna get a lot
of value and keep pushing, keep going, give the AMNA going.
Speaker 1 (28:24):
Absolutely. Yeah, indeed, thank you to our guest and you
our value audience. Let's stop you about We truly appreciate you.
Many blessings to you. Anywers
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