Tom Burnside

We really do.

The team has been around this space for a very long time.

We also have great connections into the financial markets.

So we've been able to get the lines of credit, the things we need to do in order to be able to provide the service.

We also, you know, we operate, you know, our platform today services banks and credit unions and, you know, ABS's forward flows as well as our own balance sheet.

So, you know, we have a lot of optionality for our customer and we continue to grow the optionality to be able to make sure

that we can aggressively price, that we can give them the right product at the right time with the right amount of money to fulfill whatever it is that they're trying to do at that point.

You know, we can easily get to a billion, two billion, five with what we have right now.

It's a combination of warehouses, AVSs, forward flows, you know, bank commitments, things of that sort that make that happen.

But, you know, we know we can get to at least a billion, five.

And the question really is in this market, you know, we're seeing some pullback from some of our competitors.

And I think, you know, it's an opportunity.

We have the right kind of product and the performance and portfolio.

I think we're going to continue to take advantage of the marketplace where it's at.

You know, it's a challenge.

This is the challenge for valuation, right?

The challenge of valuation is a very fast growing company.

Earnings lag.

So typically, these are discounted cash flow models and really looking more at a multiple of revenue.

Typically, a lot of times it's either forward or post, but a lot of times they're looking forward now because on a really fast-growing revenue company, they'd probably look more like, in our case, the $600 million than they would look at the $330 million.