Dustin Bond: How to Secure Fast, Flexible Business Funding Without Surprises

0:00Welcome to the Business Credit and Financing Show. Each week, we talk about the growth strategies that matter most to entrepreneurs. Listen in as we discuss the secrets to getting credit and money to start and grow your business, and enjoy as we talk with seasoned business owners, coaches and industry leaders on a variety of topics from advertising and marketing to the nuts and bolts of running a highly successful business. And now, to introduce the host of our show, Financial Expert and award-winning author, Ty Crandall. Well, thanks for joining us today. I'm super excited to be here because today we're talking about my favorite topic, which is getting money for your business. So we're talking about one of the fastest ways to do it, but also flexible financing as well. You know, one of the easiest ways I found to be able to get money for your business. I mean, we're talking about something that's fast. We're talking about something that's easy. We're talking about something that's probably one of the easiest and into tap into funding options

1:01that you're going to find. And it's really being provided by the company that I have absolutely loved as they actually got founded and are doing some really cool stuff. So what's today is Dustin Bond. The Dustin is actually a commercial finance executive, and he's actually the founder of Orange Funding, a capital platform that's basically to build to deliver short duration funding with speed, with precision and structural discipline as well. So he's got over two decades of experience. So he specializes in deploying working and bridge capital with clearly defined terms, transparent underwriting and really, really, really rapid execution, typically issuing approvals within 24 hours and funding within days. So in 2024, he actually launched Orange Funding as a focused extension of his broader vision, offering $250,000 to $10 million facilities alongside Orange Cash for fast turnaround funding. But he also founded Rashiddi Financial in 2018, which is a private credit platform center, a broker-driven origination and structured yield. And Dustin's background actually includes scaling a national leasing company

2:03and serving in senior executive roles across capital markets, outside of finance, he's a husband, father of four, and also an ultra marathon runner. Dustin, what's going on, man? Thanks for joining us today. Man, I appreciate that intro. Thank you. Sorry, good to be here. Thank you very much. Yeah, you've done some cool things that thank you, because you've served this audience of entrepreneurs for a long time across a lot of several different verticals and especially the financing space. So I love what you're doing at Orange Funding, man. Ever since you guys launched it, you're doing some really cool stuff helping a lot of business owners. Well, thank you. No idea. Appreciate it. Look, we all have to make a living where it's got to be all about the money, but it can't be all about the money. And I think we, I think we fit that in. I enjoy what we do. So that's real. I love that you know, two of the biggest problems I see in the space is that it's hard to get money. A lot of people that I think are good entrepreneurs and business owners of try to get capital aren't able to. And a lot of them struggle through a process with SBA or commercial banks, which sometimes takes four or six months when they need the money quickly to deploy.

3:05So when you found it in Orange Funding, like, what were you thinking? Like, what problems is it that you guys are working to solve? Well, I got to do just a quick history lesson if that's okay. So I love it. Yeah, we kicked off Rhapsody Financial in 2018. We had flash factoring. So we're actually focused on factoring. We did that for years. We started. There's and there's positive there. It's not the speed though that we can offer. So one of the big changes back in 21. We started engaging directly in funding these shorter term type transactions. The underwriting speeds up. It's somewhat simple. And what I found is there's a much more useful product, much larger audience. And I think the others in the space. I didn't think they were doing a particularly great job or at least that was my take. And there was a need to be need to be filled. So we did that through going from 21 and then in 2024 just to be clear, we did a break off and Orange became completely focused. But Rhapsody still serves kind of behind the scenes. You know, that's our our equity and and balance.

4:06You know, a lot of these deals. So I just want to give that a little bit of a history. We have been around for a minute. Yeah. I appreciate that. I appreciate you expanding that because the way I described it. Sounds like you guys just were founded culture. So what kind of funding products do you primarily focus on? Everything we do is is revenue based. And so our transactions are a pretty straightforward. We pretty much everything we do. We structures a 12 month type offer. And so it's either it's fully amortizing. A lot of these are used for bridge type finance. We see these utilized. We have some customers that are maybe larger. They're true middle market upper middle market. They'll have us pair well like if you have a sophisticated credit agreement. You don't want to create any issues there. That's where I personally involved a lot of deals. Not necessarily just my team. We can navigate that. We can structure them as non dead. Not follow you CC filings. And that taps into our background and some my background or legal. What have you on the every day though? What's people that are trying to buy inventory? It's capital fell at the last minute.

5:07I mean, we turned we have this on our on our LinkedIn page. We did a little case study. I'll give you a quick example. That's okay. Maybe something I think is pretty cool. Okay. We received a file after hours on a Wednesday. Okay. This business. They're in kind of a branch of medical. If you will or health health care medical. A little call health care. Follow comes over after five o'clock on a Wednesday. Okay. I'm working this one myself. My staff is pretty much gone. They're wrapped right. So I'm handling this directly with this with the CEO and owner of this business. Full file comes over. We move it into underwriting. We end up getting we have 1.2 million approved for a new customer that morning. Talk to them about pricing. We make sure that's part of our offer to absolute transparency. I did. I spend more than 20 years in lending. I think it's critical for your audience for entrepreneurs for owners to actually know the costs are cash flow carrying costs. And we that's part of our platform. It's absolute transparency from day one. So they can make real decisions.

6:07So on this deal. Terms she goes out. He executes it. We move it into docs. We get funding docs out. We go the whole cycle in one day. We have a 1.2 million dollar wire. Cute. That same day at 4 p.m. So we missed our cutoff by 30 minutes. Okay. If the customer would have signed one document just a little earlier. We would have funded 1.2 million inside of 24 hours with a first time customer. So I know capital markets at a pretty high level. Doesn't mean I know everything. But I have a fairly strong base. We are designed to do things like that. Not every deal needs to happen that way. They don't have to be over a million bucks either. It can be 50,000. That's an orange cash product. And I don't mean to be long-winded, but I at least want to talk about that. So I think it showcases what we can do. Yeah, and I appreciate that because I've been in the industry a long time. We funded a lot of money when deals. And we don't, you know, we're brokers. We're not, we're not lenders. So. And I, I've never seen that. I've never seen something like that happen. So I think it's a great testament to what you guys do.

7:08But in that there's, there's one. There's a lot of things that I think are interesting about that. One thing is that when people tell me revenue space. I think a cap of a half a million. Like that's what my brain tells me. Because as you said, like there's a lot of people in the market. Maybe not doing it as good as it should be done. And that's that's the norm. Like the norm in the industry that is capped at a half a million. So talk to me a little bit about that. Because that's not normal for the space that you're mending it. Right. No, you're tackling some material items where I do think we separate from the other. So I again, we informally did small ticket. And I'm going to call that anything from 50,000 to 250,000. Right. We kind of informally did it. We didn't really advertise it. It would be on a case by case basis. So I want to separate the two. We do have orange cash. That's easy, easy underwriting. You can do same day funding, next day funding, no problem. But our middle market offer was really that 250,000 to 10 million is where we operate. I don't know who else nationwide who will direct fun go up to 10 million. I'm sure there's other players.

8:08I just don't know who they are necessarily like off the top of my head. Not in our space for revenue based. But that's why we entered the arena is I mean, our background is institutional and a tech type underwriting you're talking about an interest industry that is very transactional and orientation. I think of us as a strategic type capital provider reactive in some situations. I mean, we have people things happen they're ready for receivable payrolls on Friday. That's a tough situation we get those phone calls. That's a higher risk deal for us will do in the right instance. So that's real to but the larger dollar amounts. That is where we separate that's also I mean, And I don't mean to keep tipping or going back into the experience, but it's like I've been in, I mean, tie, I've been in lending longer than the industry has existed. So I mean, we're taking that background and applying it to this, to this world, you know? And I don't know. I don't think that, I don't think that Barrows need to love us, but I don't think they hate us. I mean, I think we have a pretty good reputation out there before I, I don't want to, I don't want to just do the equivalent of a wall text here, so maybe I'll, I'll stop

9:11there for a second. You know, and I love that. So I want to talk about both products, I want to talk about orange cash too, so I think there's a lot of people that are watching here that that's a perfect fit for them. We're here. So what kind of terms, you know, is there a variance of terms that you offer? Not on time I interest rates. I'm talking about, or rates that you charge, but like, length of term of financing, do you have a standard there for the quarter million to the 10 million range? We do. So literally, my design, so certainty of outcome is really important to us. The thing we do is pretty much a 12 month deal, or less, the only time we go less, it's like, I would start viewing that as like a structure type transaction. That would mean we're trying to mitigate some type of risk, but by the nature of it. So if I'm not filing a UCC filing, right, it's all based on revenue. I don't do asset based lending. So they can, so like, let's say a broker brings their, their customer to us and they're trying to get something funded in short order. Maybe he's working on a refinance for real estate. Maybe he's working on a larger type facility. He's working on an SBA, you and I both know that's going to take 45 days, 60 days, depending

10:15on the do maybe 90 days, there's a window. So these deals, we want to help them with cash flow. But by the nature of our product, we're on the top of the capital stack. So we're going to have the shortest term length, fastest deployment, easiest use of capital. They can use it for whatever they want, right? And we can also do it without, we can typically deal without infringing upon other lenders, other types of borrowings and credit agreements, things like that. So. Yeah, which is all super unique. I mean, most of the time that revenue in space and people that aren't, you know, familiar with it as you and I know are, they're filing UCCs, it's, it's very difficult to be able to use it with, with other kind of financing. I mean, what you're doing it, it's large part to your point is, is a lot of bridge financing. Your bridging, you'll be able to get the money they need to be able to then get the capital. The thing, yeah, which sounds very common, especially in the P. Right. Well, let me, let me dive back into that too, because I don't want to sound, I don't want to probably just sound always sophisticated for your audience. I don't mean to, to, to do that.

11:16Again, I live and breathe the stuff all day. So when I think about there's math and mechanics and stuff going on in my head, we will typically and I want to make this clear in case someone does reach out to us. We will follow you CC filing, but we have on our application, we want to know like, do you have another lender, are you trying to accomplish something like we actually have that? So you can address it. So we will, for our own safety and type transactions, we'll absolutely do it as standard, but we can also absolutely, easily prove it where it's a spring. So let me define that. If there's an event to default, hey, we're a lender like anybody else, we have to do something, but we can keep it clear and we can keep it clean. So you, whether the customer direct, a debt advisor, investment broker, the, the factor or the equivalent finance person, right? All these other people that we work with, we're going to keep that clear for them. So it doesn't become invasive to anything that they're doing. What we often see too and why I said strategic and reactive is right, we fill the gap. I don't think most of our customers, it's like, they're trying to go somewhere and that's

12:16what we're also trying to help them with. We definitely have customers that have come back to us that were with us under our old label even. We still work with them. They come back. They're seasonal, they're buying inventory. They're doing stuff like that. But I do think our best fit is a company's growing. You probably have entrepreneurs of all this, they are still SMBs, they are not middle market. Oh, what happens now? They have massive payroll, they're, they're bootstrapped, they, they were moving, but they're not quite ready for the bank. They can't get a traditional line yet, but they're trying to move there. We facilitate funding for companies like that all the time. They're good businesses. They have real expenses. And then we have the others, like I said, they're trying to go somewhere, they're trying to get to a line. They have new, a new project. They're trying to get boots on the ground. They got a higher, something I think that's kind of funny. I have no idea why. We have this weird concentration with roofing, like large commercial roofing companies. I don't think it's that we're in love with roofing companies. I don't think that they, I think that we're all that interesting. I think it's just the structure of how they're, how their business flows.

13:16So they really don't make their money in simplest terms until basically the end of the contract where they actually make their money, their real money, there's usually milestones. So foods on the ground, materials, these are areas where we easily get in there. They pay us. I'm going to jump really fast in one other topic. If anyone in your audience, I'm a big believer in this. They're talking about leveraging equity, they're talking about leveraging all this stuff. Please call us first. Please don't do that. If your business is viable, if that's not a strategic partner, man, that's the most expensive money you're ever going to trade, period. If your business is going anywhere, please don't do that. Please call us first. Yeah. I love that. And I also think it's really interesting that you're talking about not having collateral, not asset base, because usually, and again, I want to talk about the orange cash product because I think a lot of our audience fits into the orange cash product. So if you're watching, we're going to get it right up, but while we're here, I think it's really interesting that you're at those higher levels, those amounts, and not being asset based. I mean, everything I see that's usually at that higher amounts, 500,000 plus, especially,

14:20they're usually looking for some kind of asset, some kind of quadruple, especially SBA, Incavision Bank. Any of that kind of stuff. They're looking for something to offset that risk when you start to get that amount. So it's super interesting that you're in the revenue space, lending that amount, and then no assets you're taking, or assets typically are not taken into account. Right. Well, let's talk about the small ticket product. I want to give a couple of parameters to. There's things we can't do. I can't work with the true startup. I can't work with the pre-revenue business. We're not set up for that. We get a lot of requests. Basically what people are really looking for, they're really looking for like PEO type finance, looking for contract finance. If we don't have something here, I have a strong referral chain. We don't make any money. We do a complimentary. If it's not a fit for here, if I know someone, if our team knows someone, we'll happily refer them to a direct funding source. If it's a broker, and they need to make money on that deal, we will make sure that we refer them to someone who will pay them a fee of their deal successful. But at Orange specifically, and by the way, we see most of the time for your audience, this is my opinion, I guess.

15:21Most of the time you hear PEO finance, contract finance, it's usually like, no, they're trying to sell you factory. You're just calling it something different. That's 95 times out of 100. And that's okay. But I think it's good they know the product is starting up for it. So we have to have historic revenue. I cannot work with a brand new startup. We do not do personal type finance, right? Because we are not an asset based lender. I don't look at clotter. I look at historic revenues. So here's a good rule of thumb. And now a quick break to hear from our sponsor. Hey, it's Ty Crando with Credit Suite. Many of our subscribers want to get the most money to grow their business at the best terms, whether you're looking for startup capital, low interest credit lines and loans, or business credit, we can definitely help you. So give us a call at 877-600-2487, or schedule your free consultation at credit suite.com forward slash consult to see how much money you can get approved for today. If I were to say, what is the funding amount that we can achieve? This is an exactly dial, but this is about right. Whatever the client, the borrower, whatever their top-line revenue has been over the last 12 months, we're usually like 10% of that.

16:23Sometimes we can go north of that. And let me explain why. These are 12-month deals, okay? There's no pick interest. They're simple. They can exit. We can do it again without leans. We don't have to take up other clotter. What's the trick? It's fully amortizing, okay? So we're not going to put our customer in a bad situation where we load them up on big, crazy payments. They can't afford it. So if a company is looking for 100 grand, they probably have to do about a million dollars of the last 12 months. So we work with entrepreneurs, we work with small businesses all the time, but that's kind of line the stand, and that's the driver behind. So we talk about orange cash, 50, 250,000, you said they have to have revenue. Do you have an amount, or do you have a timeframe that they need to have that revenue to be considered for that product? So then again, these are ballpark, right? This is kind of conservative, but it's a good like rule of thumb. If you want to have a good probability of a positive outcome, whatever the funding amount is, it should probably not be more than about 10% of the last trelling 12 months

17:27of revenue. You want 50,000? You're going to have to have a business as at least generating 500 grand in top-line revenue of the last 12 months. If you're looking for, and these are things I just want to address it, pay great contracts. We love that. That helps the deal. That can't make a deal here. It's a mechanical thing. We are underwriting the historic revenue. There's a few other things we'd like to see deposits seven a month on these smaller type businesses. If you have one customer, it doesn't mean you don't have a great business. We just may not be the home for you. We wanted you to have a great experience. We want our capital to go to work for you. What we don't want to do is have to tell you now. So those are kind of the basics that come up for underwriting with our dessert. Certain time in business that I'd have to have to be able to qualify, or does that not matter if I have the revenue and the consistency, and not just the consistency, but it's not all just coming from a few sources. It's coming from seven, ten plus deposits. Yeah. That's great. Great question. I'm going to say lie in the sand, and it's because of what you just described. If a business is newer, but they have real revenue already coming in, there's a lot

18:28of reasons we see that. I don't have as much of a time in business standard. We funded deals where the company's been around for six months. Is that our everyday thing? No. That's not normal. Normally, we like to see a couple of years, but it's for the reason that you just mentioned. Do they have regular customers? Do they have regular revenue? Do they have some basic consistency on that level? So that's really what drives it more than time in business. The world I came from that I spent the majority of my career in, I mean, three years minimum, you know, all these little standards, debt service covers, this leverage ratio covers us. We look at these from a few different ways, and we're able to simplify it. So again, I hope I don't convolut it. I said earlier, it's like my brains build with math and leverage ratios and all the stuff all day. Our product is not that complicated. It's just I, it's the role that I serve here, the company. What's the process that somebody takes to get in and see what they can qualify for and talk about terms, the money that they're able to prove for those kind of things? Two product lanes. Okay. Let's start with, let's start with the small businesses.

19:30Super simple. Orange cash, we need our funding application filled out. We will do a credit poll. We will do a background check. We do that again. We don't want you to get to the 11th hour where it matters and your deal doesn't get done. We want to know that when we approve you, that deal is getting done for you and you can count on it. So we do all the work up front. We do everything complimentary upfront. We in our small ticket, we try and make it as simple as possible. We will do it with as little as the last six months of big statements for any related entity. They have multiple accounts, schools and all of them that will help you. And then we, right now, this time the year, we would require 2,024 tax returns. That's it. With that, within sometimes the same day, if needed, we will approve the deal. We can even fund the same day with that credit package. Okay. Our larger ticket is it okay if I move on to the larger market, okay, 250,000 up. And there's a cross section, guys, like 50,000 to 250. There's a little bit of overlap, 100,000 up. We can treat a middle market. We do that because you can usually get a little bit, we can usually give you slightly

20:32more favorable terms. There's more to work with. We don't have to offset perceived risk because we have more information to work with. So funding application, our middle market offer to you, your audience will probably want to know this. We do both personal guarantee equivalents and corporate only. I don't know of anyone else in our space that I'm aware of. Maybe you do. That does corporate only deals, right? So we will follow whatever the historic norms have been in the company. So that's something that we offer, meaning it's a corporate guarantee only on the transaction is a path for us that we have. That's usually with our larger clients, frankly. So credit package, funding application, 12 months of bank statements. We'd like most recent interim profit and loss statement balance sheet, 2024 tax turns again. And if they have an AP report, an AR report, and again, that's, that's that 250,000 up. And it really, especially most critical million dollar, so same thing, though, we will still underwrite to a full approval and set a 24 hour, so most instances. Wow. Yeah, I'm not I think it's interesting that you're funding, especially on the high end

21:33in that fast, but then you know, I'm a business credit guy, right? So like, no PG is music to my ears because you and I both know that's just not the norm in your industry. It's the didn't know PG stuff. So I think it's great and really honorable that you guys have that option. Then you've talked, you've talked multiple times about platform, right? So like what's your technology like from a borrower when I'm coming in? Am I applying online? Am I low to these things up on like, what is the process like for me to actually take part and use the powerful? So, but so you have to understand, most of our deals for the longest time, I mean, they're coming from other lenders, bankers, as I mentioned, bankers, investment bankers, debt advisors, factoring, every lender you can think of, that is predominantly where we see our business, right? We do have a direct group and obviously work directly with clients, I mean, I just shared you an experience. Frankly, I was working with them first town, that one that hit after hours and not 1.2. Our tech is sophisticated internally, as far as customer engagement, though, for a reason, we don't have them do the portal, we don't have them do the stuff and there's a reason

22:35for it. We don't want our customers to have to learn how to work with us. So we literally sent out a punch list, we tell them what we need. We can send them a safe, secure link, they can, we can do it by Dropbox, Google Drive. There's a million different ways. I know many of our counterparts have these and maybe something really great. I've seen them. I don't want our customers to have to sit there and have to figure out how to work with us. So it's, hey, shooting email over, let us send you a secure link, whatever you want to do. But our sophistication is on our underwriting side, our dog processing side. I mean, we have more AI in this company that it's insane, I love it. But we have both relationship oriented, with tech combined. I don't think of us as a Fintech company, I hope I hope we're never going to be a Fintech company. I mean, I have professionals on our capital markets teams, I mean, the least of them as three years of experience, the most I think he's been in lending since 2008. This is just directly on the customer facing side, broker facing side. So yeah, they'll call us and they'll actually get someone on the phone.

23:37If by chance, they don't, if the person doesn't pick up and if our receptionist doesn't pick up or no one else on our team picks up, well, then they're going to talk to one over AI robots and that will send out to, to the appropriate person. So anyway. That's, that's it on your website and we're, we're should somebody go through and should interact applying. Should they go to orangefunding.com? Our website is antiquated, easiest path, go to our LinkedIn page, like if you want to know about orange and you want to know our product offerings, it's funny. Our website is not that old, but it feels ancient to me. So if you want to see what orange is, how to work with us, it would literally be go to linkedin.com slash company slash orange funding. That's where you go. You'll see case studies of real deals. You'll have our different products where we're happy to engage with you from there. You can even look me up. I'm very active on LinkedIn, LinkedIn.com, I end slash dust and bond, send me a DM. I don't know if I'll work with you. If I don't, I'll send over one of my team members. They're great to work with.

24:38You cannot work with anyone here that isn't good at their job. I'm certain of that. So I love that. I just went to LinkedIn and typed in orange funding and they pop up right away. They're out of you tall. Excuse me. So they're easy to find. I mean, I found them orange funding. It says financial services. So if you get a LinkedIn there, of course, I'll put it on the show resources page. But I don't want to say I'm watching it. Sure. Rister space like you. So call us. Email us. We try and make it real easy. Yeah. Do you guys, I'm curious. Do you, Dustin, you do more like are you more of a boutique that does fewer deals and then that are a higher level or do you guys do a pretty considerable volume since so much of your business comes from broker or not brokers, but lenders, VCs, you know, people in the equity markets. Yeah. No, we're not a, we're not a turn in burn shop. Like, I mean, each one of these deals again, you'll have, that's where I think we are a little bit different. Like I don't want the speed to be confusing because I think sometimes people hear speed and they think skipping steps. We don't. We don't. We have a process.

25:39Look, we have Oculus. We have money, the same tools that everybody else has. That's available. We have our own internal systems. We have, but we, we actually do real underwriting on these deals. So we have to screen them. That's the biggest difficulty that we have at our shop is we have real volume, but not everybody's going to get to the finish line. So it goes for that process, but we do go through and do actual real underwriting. There's real people working on these deals on everyone, these deals. And so by the nature of it, like, you're going to get a real offer or something else we didn't talk about. We typically will have a higher funding amount. Like when we're competing on a deal, why I found over time is almost every time pretty much every time you will see that we will have a higher funding amount than the other people who are at the table. And I suspect I don't think of us as, I really don't think of us as special. I think that we do things so normally, but I don't think the rest of the industry does. I think everyone's just trying to bang things out so fast. I think they're trying to skip steps. And so I think by the nature of that, we will go in and we're almost always higher than

26:42our counterparts. I'll give you a really quick example. I don't want to just burn all your time on this. We had a customer. We approved them for 150 grand. They had two offers. They were trying to chain together. One, four, three, 50 and one, four, four hundred. And it's like, I mean, that was an obvious win there, but I don't know. I can't, I can't speak to the rest of our industry. I didn't come from this industry. Like I said, I came from an entirely different ABL background and applied that to this industry. So I think that's what causes that outcome. Now, it's been an absolute pleasure having you on today. A lot of things that makes you stand out and unique. And that's why I'm just so honored and appreciative that you came on the show today to share. So everybody applying again, if you don't mind saying one more time, where should they go if they're interested? A lot of people on here are lenders, they're bankers, they're brokers on VC as well. So what should they do? And what should the people who are on here looking to get money from themselves? What action should they take to be able to get touched with you guys? It's really easy. You can you can reach us out. You can send us an email, go to our team fund at orangefunding.com.

27:44It's super easy. You can literally call our office. Our team will direct you. You can hit any of us up on LinkedIn. That's the method. Again, most of our business traditionally has come through brokers and intermediaries. So that's kind of more our standard. But yeah, reach out. It's easy to get a hold of, calls that are main line, look us up. You can't go to the website. I don't mean to undersell, it's just we were really active on LinkedIn. Our main number here, three, eight, five, two, eight, seven, zero, zero, zero, zero. You can actually call, get someone on the phone, they can help you. All right. Dustin, I appreciate you coming out of this today. Awesome. Thank you, Ty. I sure appreciate you. Thanks for taking the time. I appreciate it. So thanks. One of the things that I think is interesting about Winchwinner, there's a lot of things interesting. I mean, if you've heard the question that I've asked about specifically, because as Dustin has said, a lot of people in the space that are revenue based are just churn and burn. There's nothing wrong with that, right? They're just churn and burn. And if you look at the sites, if you look at the way they're set up, they're just designed to be able to process a lot quickly and a lot falls at the wayside. And if you're, if you're on here watching this, you might have probably fallen into this

28:45before when you applied for somebody and then even call you back, they're doing a touch with you, right? Or you're dealing with, even as a broker, if you're trying to place deals, you deal with the same thing. When leaders just make it very difficult to be able to place your clients, right? And so what you find with Orange Funding is that this is a company that comes in and that deals with financing on the revenue side and does things that they haven't done. And what I think is interesting about that is that it's done that way because as Dustin said, he didn't come from the industry. He didn't come from the standard norm. I'm in the industry now. I'm going to go fund another my own company doing the same thing everybody else does. He came in with a different mindset and then doing so, we see all these things are unique. This truly flexible funding where they don't necessarily have set parameters, just like a general picture of what makes sense. They go higher loan amounts. So what you've seen anybody else do, they do all kinds of interesting little things that we've talked about here, big things, like PGs and UCC funds. These are things are common sense things that help a business get what they need to get done to be able to work with other funders and other investors and other things to be

29:45able to bridge that gap to get you where you need to be. And you've never heard anybody in 900-something episodes that talks about this way when it comes to lending. That's why I wanted to have Dustin on and why you should know about Orange Funding. So what you should do right now is a few things. We first of all just go to LinkedIn, type in Orange Funding. You can be able to find them right there, follow their page on LinkedIn. You can go to OrangeFunding.com, that's not their main outlet, but on the bottom you could find their email and you could also find their phone if you scroll down and it's a Dustin set of 385-287-0000. You could also go to fundatorangefunding.com, all of that will be on the show resources page as well. So make sure you check them out at orangefunding.com, make sure you check them out on LinkedIn at Orange Funding, make sure you give them a call or just send them an email, right? And then you could talk to you about what exactly it is you're trying to do. They can give you the requirements that they need, which you talked about, what the financial documents are going to want. And they're going to be able to get you a quick decision and he's given multiple examples here where people are going to consider more money and a short period of time because they have the technology on the back end to be able and the humans to be able to combine

30:47those two factors to be able to put together, make sense deals in a way that you've never seen it done before with higher amounts and faster approvals because of that unique combination. So make sure you check them out. Orange Funding on LinkedIn, you can also check them out at orangefunding.com, give them a call at 385-287-0000, you can also email fundatorangefunding.com. Thanks for tuning in, take care, have a great day. If you've been listening to the Business Credit and Financing show with your host, Ty Crandall. Watch for our next episode to get even more insight on financing and growing your business. And don't forget to check us out online at credit suite.com for even more business growth strategies.