Brad Parker

So I don't even think it's 12 months.

I think it's really short.

I think it's like 60 days or like 90 days.

It's a really neat...

And that's just how consumers shop, right?

They're shopping based on the monthly payment that they can add to their budget.

So you need to be able to have products that can get that payment as low as possible.

So like the, the unique thing about my product is, is we can work with any lender.

So they're not my lenders.

Right.

So I represent 10 lenders and we'll market them.

Not my capital, not my money, you know, so I can sign up a retailer and they could already have five lenders and then they could just use my platform to aggregate it.

So that's why we charge for the platform.

Cause I'm not always making money.

Right.

So yeah, my, I don't want to be in the, in the banking business, loaning out, you know, hundreds of millions of dollars.

I'd rather somebody else do that and just give me a piece.

That's true.

But I also have very strategic partners in the spaces that I work.

So if I came in and competed with them, then they would say, well, Brad, why are we paying you to come in and compete?