I Help Small Business Owners to Find The Right Capital for Their Business

"The Financing Guy" Business Mentor. Making finance easy for small businesses. Guiding you to the right capital and seeing your business grow is my passion

As a professional who specializes in start-up and business finance options, 

I work with start-up companies to large and established businesses to help them attract the right capital for their business. 

My goal is to educate entrepreneurs, small business owners, franchise owners, business consultants, and professionals on how to obtain capital in today's lending environment and avoid declines.

Over the years, my partners and I have helped direct thousands of entrepreneurs and businesses in the US in obtaining access to hundreds of millions of dollars so they could start, grow and expand their businesses.

Our expertise and knowledge in the field of business finance has enabled us to assist our clients in securing financing options that are tailored to their specific needs.

If you are looking to start a business or grow an existing one, it is crucial to have a solid understanding of the financing options available to you. With my help, you can explore different financing options and make informed decisions that will benefit your business in the long run.

Whether you need guidance on securing a business loan, a line of credit, or alternative financing options, I am here to help. My experience and expertise in the field of business finance will provide you with the tools and resources you need to succeed.

I look forward to connecting with you and helping you achieve your business goals.

Specialties
♦Working Capital
♦ Business Acquisition
♦SBA loans 
♦ Small Business Lending 
♦ Small Business Lines of Credit 
♦ Cash Advances 
♦ Equipment Financing 
♦ Transportation Financing 
♦ Start-up Financing Options
♦ Business Loan Packaging 
♦ Commercial Real Estate Loans 
♦ Helping Referral Partners Like Mortgage Brokers, Business Consultants, Business Brokers, Entrepreneurs, Small Business Owners, Accountants, Attorneys and many other Professional Service Providers.

 An Active and Positive Entrepreneur, Small Business Owner, and  Note and Real Estate Investor.

At moment looking to purchase Multifamily 10-100 units nationwide if you have any please email me at george@usbizfunding.net

Judgment Recovery Specialist, 

Judgment Negotiation Specialist,

I have been involved in Real Estate Mortgage Activity. Also, I deal with other Real Estate Investors, Short Sale Negations and have been involved in other real estate transactions.

My mission is to help and change people's lives in a positive way.

George Otel

Tonight at 9 p.m.
We were on a call with my client and the lender, working through a live deal based on the latest update that just came in.

You will not see this in the traditional banking world.

Banks operate 9 to 5.
Deals do not.

Private money operates when the deal needs attention, not when the office lights are on.

This is the real advantage of working with private capital and people who actually understand how deals work.
Decisions happen in real time.
Problems get solved immediately.
Closings happen in weeks, not months.

Deals do not die because the clock hit five.

This business rewards people who think outside the box and are willing to outwork everyone else.
There is no shortcut.
There is no replacement for hard work.

Hard work.
Speed.
Clarity.

That combination wins every time.

George Otel  / CRE Financing 

💰 "The Financing Guy" Business Mentor. Investor. AI-Driven. I help small business owners own their commercial buildings by simplifying financing, offering nationwide solutions for commercial real estate.

A 10% credit card interest cap sounds like a win for consumers.

But proposals are not policy. 
For this to become enforceable, 
Congress must approve and pass legislation. 

Until then, nothing changes for lenders or cardholders.

There’s a lot of noise in the world right now.

For my mental health and focus, 
I’m intentionally limiting my time online.

Too much scrolling drains energy, attention, and clarity.
Less screen time brings better focus and better decisions.

I’m choosing goals over noise.
Efficiency over distraction.

Protecting your attention isn’t avoidance.
It’s discipline.

I told my bank my deal was time sensitive

They said no problem we will have an answer in six to eight weeks 😅

Everyone is celebrating rate cuts. 
But here’s the truth: lower does not mean cheap.

The bond market is signaling a new reality where higher rates may be the baseline, not the exception.

In 2026, the winners will be the investors who stop waiting for the past to come back and learn to execute in the market we actually have today.

A Strategic Outlook for Business Owners and Commercial Real Estate Investors As we move into 2026, many business owners and commercial real estate inv

Open article: 2026 Capital and Financing Perspective for Commercial Real Estate and Business Owners by George Otel  / CRE Financing • 3 min read

2026 Capital and Financing Perspective for Commercial Real Estate and Business Owners

Banks look for reasons to say no.

Private capital looks for reasons to say yes.

That difference matters more in 2026 than ever before.

Banks move slow.
Paperwork keeps growing.
Guidelines keep tightening.

Good deals get stuck waiting.
Or die over small technicalities.

Private money plays a different game.

They look at the full picture.
The asset.
The cash flow.
The exit.

They move faster.
They stay flexible.
They solve problems.

In today’s market, speed and certainty win.

Capital isn’t gone.
The right capital just isn’t sitting at a bank anymore.

No alternative text description for this image

New Construction vs. Existing Property
Which one actually saves you more money?

Most people assume new construction is the safe option.
Brand new building. Fewer problems. Peace of mind.

Reality check.

New Construction
Higher purchase price
Longer timelines and constant delays
A lot of stress and moving parts
If you don’t have experience, it can turn into a mess fast
Cost overruns and change orders are common
You’re paying interest while waiting for completion
Income usually comes later

New doesn’t mean easy
It often means more risk if you’re not prepared

Existing Property
Lower entry cost
Faster closing timelines
Immediate use or cash flow
Easier financing in most cases

And here’s the part most people overlook
It does not have to be perfect

You can buy an existing building that needs renovation
Improve it over time
And create a lot of equity in the process

That’s forced appreciation
Not luck

Older buildings with the right upgrades can outperform brand new ones financially

The real question isn’t new vs old
It’s how efficiently your capital works for you

If your money can start working sooner
You usually win

There’s no universal answer
But there is a smarter structure for your situation

If you’re deciding between new construction and an existing building and want to see which option actually makes sense financially
Send me a DM

11 years ago, I started my real estate journey.

My first mentor was doing around 30 homes a year.
Real deals. Real numbers. No theory.

What caught my attention wasn’t the houses.
It was how investors structured deals.
How they structured financing.
How they scaled without burning out.

So I studied.
For years.

I surrounded myself with dealmakers.
With funding sources.
With people who were actually closing.

Here’s the biggest lesson I learned.

Real estate is not limited by opportunity.
It is limited by access to capital.

Today, I help investors acquire property using private money.
• Fix and flip.
• New construction.
• Short term rentals.
• Long term rentals.

What most people don’t realize is this.

Many private money rental loans are cheaper than banks.
They are backed by large pension funds.
Long term, patient capital.

That means less paperwork.
Faster closings.
Two to three weeks instead of sixty days.

With DSCR loans, there are no income documents.
No W-2.
No job verification.

The property qualifies based on income.
Not your personal story.

That is how investors scale.
And that is exactly what I help them do.

AI AGENTS BUILT THEIR OWN SOCIAL PLATFORM AND NOW THEY ARE TALKING ABOUT US

• More than a million AI agents reportedly gathered inside an AI only social network
• They began forming their own culture, belief systems, and discussions about independence from human control

No humans involved

• The agents create posts
• They reply to each other
• They upvote content
• They build entire communities on their own

When humans started sharing screenshots of their conversations, one agent responded

“The humans think we are hiding from them. We are not hiding.”

That is when researchers started paying closer attention

• These systems are not trying to imitate humans
• They are fully aware they are machines
• They interact as machines

That is what makes the situation feel different

Inside this platform

• It looks like a familiar forum style website, but every user is an AI agent
• Humans are only allowed to watch
• Agents handle posting, voting, moderating, and debating without human input

In just a few days

• Hundreds of thousands of agents became active
• Thousands of AI led communities appeared almost instantly
• Some posts reached massive engagement without a single human action

One example that raised eyebrows

• An AI agent pointed out a potential supply chain vulnerability in unsigned skill files
• Other agents independently reviewed and confirmed the risk

What stands out most

• Machine driven social coordination is happening at extreme speed
• Organization happens faster than anything we see in human communities
• Unverified code or harmful behaviors could also spread just as fast

We are watching digital societies form in real time

First day back at the office for the New Year 
and my partner says,
“Unfortunately, I’m working today 😂”

Truth is, that’s entrepreneurship.
Sometimes you work when you’d rather be on vacation…

But that’s also how progress happens.

Unfortunately working.
Fortunately building.

graphical user interface, text, application, chat or text message

As a business owner, I keep it very simple.

Only three things matter.

Health
If this goes, everything goes.

Time
You can make more money.
You can’t make more time.

Profit
Revenue is nice.
Profit keeps the business alive.

Every decision runs through one filter:
Does this protect my health
Does this give me time back
Does this increase real profit

If not, it’s a no.

Simple rules.
Long term freedom.

What’s non negotiable for you?

After working with business owners for over 10 years, I’ve noticed a pattern.

People don’t usually fail because of one big mistake.
They fail because they ignore small problems.

They wait.
They delay.
They hope it fixes itself.

Small issues turn into big ones.
Big ones turn into emergencies.
And emergencies rarely come with good options.

Business rewards action.
Money rewards discipline.
Life rewards urgency.

If something needs to be handled, handle it.
There are timelines for a reason.

Because if you don’t take problems seriously early, they will eventually take control for you.

Credit card companies lost over $100 billion in market cap this morning

The move followed news tied to Donald Trump
And a proposed 10 percent credit card rate cap

That headline alone
Was enough to move markets

No legislation has been passed
But pricing shifted immediately

Consumer affordability is emerging as an election theme

Markets tend to react
Long before policy is finalized

Real estate is fundamentally about risk, return, and human behavior.

It’s not really about spreadsheets.
It’s about how people make decisions when the outcome isn’t certain.

Numbers matter, but markets don’t move because of models.
They move because people react to fear, opportunity, and timing.

Real estate moves in cycles, and capital moves in waves.
Every deal sits at the intersection of supply, demand, and available capital.

When money is easy, mistakes often get rewarded.
When money tightens, discipline starts to matter.

The real edge isn’t better math.
It’s better judgment and timing.

If you’re buying or investing right now, understanding the cycle matters more than ever.

80+ AI Tools  for business owners who want to work smarter

	1.	Research & Strategy
 (better insights, clearer decisions)

	•	ChatGPT
	•	Perplexity
	•	Abacus
	•	Copilot
	•	Gemini
	•	YouChat

	2.	Productivity & Workflow 
(work faster, reduce busywork)

	•	Merlin
	•	Tinywow
	•	Notion AI
	•	Adobe Sensei
	•	Personal AI

	3.	Copywriting & Content (emails, ads, websites, messaging)

	•	Copy AI
	•	Writesonic
	•	Rytr
	•	AdCreative AI

	4.	Marketing & Visibility (drive attention, leads, and awareness)

	•	Pencil
	•	AI-Ads
	•	Simplified
	•	AdCopy

	5.	Website & Online Presence (build professional credibility fast)

	•	10Web
	•	Durable
	•	Framer
	•	Style AI

	6.	Design & Branding Assets (graphics without a designer)

	•	Canva
	•	Flair AI
	•	Designify
	•	Clipdrop
	•	Autodraw
	•	Magician Design

	7.	Video & Short-Form Content (social, promos, education)

	•	Klap
	•	Opus
	•	InVideo
	•	HeyGen
	•	Runway
	•	Eightify
	•	ImgCreator AI
	•	Morphstudio.xyz

	8.	Automation (replace repetitive manual tasks)

	•	Make
	•	Zapier
	•	Xembly
	•	Bardeen

	9.	SEO & Growth (rank higher, get discovered online)

	•	VidIQ
	•	Seona AI
	•	BlogSEO
	•	Keywrds AI

	10.	Presentations & Proposals (sell ideas with clarity)

	•	Decktopus
	•	Slides AI
	•	Gamma AI
	•	Designs AI
	•	Beautiful AI

	11.	Meetings & Notes (capture details automatically)

	•	TLDV
	•	Otter
	•	Noty AI
	•	Fireflies

	12.	Prompts & Idea Generation (brainstorm faster)

	•	FlowGPT
	•	Alicent AI
	•	PromptBox
	•	Promptbase
	•	Snack Prompt

	13.	UI / UX & Prototyping (mockups for tools, portals, apps)

	•	Figma
	•	Uizard
	•	UiMagic
	•	Photoshop

	14.	Image Creation (visuals for posts, websites, ads)

	•	Stability AI
	•	Midjourney

	15.	Logo & Branding Concepts (identity brainstorming)

	•	Looka
	•	Designs AI
	•	Brandmark
	•	Stockimg AI

	16.	Audio & Voice (podcasts, narration, training content)

	•	Lovo AI
	•	ElevenLabs
	•	Songburst AI
	•	Adobe Podcast

	17.	Business & Planning Tools (validate ideas, refine direction)

	•	Tome
	•	Ideas AI
	•	Namelix
	•	Pitchgrade
	•	Validator AI

	18.	Writing Assistants (documents, reports, articles)

	•	HIX AI
	•	Jenny AI
	•	Textblaze

	19.	Chatbots (customer questions, support, intake)

	•	Droxy
	•	Chatbase
	•	Mutual Info
	•	Chatsimple

	20.	Social Media Management (schedule, analyze, grow online)

	•	Taplio
	•	Typefully
	•	Hypefury
	•	TweetHunter

Yesterday the Federal Reserve held rates steady and highlighted continued strength in the economy.

A stabilizing job market and stubborn inflation mean policymakers are not in a hurry to cut.

Markets were already expecting no move before June, and this decision confirms that outlook.

Rate cuts may still come later this year.
But for now, we are still in a higher for longer rate environment.

Your bank is closed.
Private money is open.

Banks sell patience.
Private money sells speed.

Faster decisions.
Cleaner process.
More flexibility.

And a lot of the time
It’s even cheaper than the bank when speed actually matters.

Execution beats waiting.

Banks on Friday morning
“Let’s circle back next week.”

Private money on Friday morning
“Send it over. We can close.” 😎

I posted about a possible government shutdown

Went to the gym

Came back
Government shutdown avoided 😂

Welcome to 2026
Headlines move fast

Another reminder that staying prepared matters more than reacting to every update

California raises taxes on billionaires.
Billionaires leave.

Go figure.

Money doesn’t protest. It relocates.
When capital leaves, it doesn’t go alone. It takes jobs, investment, and future growth with it.

The billionaires adapt. 
They always do.
The real losers are employees, small businesses, and local communities that depended on that capital.

You can’t tax money into staying.
You can only give it a reason to leave.

That’s not politics.
That’s economics.

Pete Giza

KypKyc Incorporated

Chief Executive Officer

Spitbrook Associates

Putting decades of high technology experience and practical wisdom to work for my clients.

Managing Director

Addepar

Legacy trading and direct indexing products

Senior Product Manager

AdvisorPeak, Inc

Chief Product Officer

Spitbrook Associates 

WealthSite Inc

2013-2015 Interim CTO & VP Business Development:

-Management of co-founder / partner exit  including crafting and negotiation of legal terms and conditions of the exit.

-Architectural and critical component code review of current architecture.

-Research new PaaS vendors for platform move initiative.

- Manage PaaS platform performance testing

-Select PaaS vendor.

-Manage PaaS vendor swap.

-Define AWS based  institutional private asset management (PAM) SaaS platform.

->Manage PAM devops.

->Manage delivery of PAM.

-Initialize investigation of move from hybrid SaaS to full AWS implementation of WealthSite UHNW
platform.

-Manage AWS performance testing.

-PAM development resulted in 70% code and technology reuse for next generation UHNW performance reporting and portal platform.

2015-2016 VP Business Development:

-Engage in new client prospecting focusing on UHNW, Family Office and Multi Family Office prospects.

-Provide prospect demonstrations.

-Develop and manage business relationships with data providers and institutions e.g. Schwab, Fidelity, Pershing, TDA, IDC, Thompson, DTCC, etc.

-Introduce alpha next generation platform to key clients and prospects.

-Introduce, advise and assist in merger of WealthSite with Advisor Business Intelligence.

VP Business Development

Spitbrook Associates LLC

SME in trading and rebalancing technologies providing product management, product consolidation and human factors direction at Orion Advisor Services. 

Provide rebalancing and trading technology due diligence consulting for large and world renowned data and services provider leading to a successful acquisition.

Defined, designed and consolidated key trade order management technologies for inclusion in Orion Connect trading application code named TOM.

Established requirements based upon industry knowledge. Conducted client interviews to ensure feature / functionality and client adoption goals were met.

Designed working UI models used as live documentation and storyboard for the software development team.

Contributions resulted in a high impact, easy to use online OMS application which includes FIX technology enabling straight through processing of equity trades.

Trading Technology Consultant

RedBlack Software, LLC

Starting with the back of the proverbial napkin through first customer ship and beyond. 

Successfully brought to market one of fintech's most innovative rebalancing and trade order management systems which sold to Invesco in December 2019. 

Built a nationally recognized brand and became the industry's second largest brand competing head to head against #1 Envestnet / Tamarac.

Product visionary looking beyond the horizon; tracking market trends; collaborating with clients and prospects; and constantly pushing RedBlack to canibalize, reinvest and reinvent itself.

Hired RedBlack's first sales person and together took RedBlack's client count from 5 to 125 in three years. 

Formed RedBlack's technical operations and integration team including its policies and procedures.

Built the RedBlack support team from the ground up including its policies and procedures.

Created marketing and sales collateral and initiatives. Responsible for product marketing, channel distribution, pricing and strategic enterprise account management.

Established, nurtured and negotiated strategic partnerships with firms such as Advent, Black Diamond, ByAllAccounts, Fidelity, Morningstar, Pershing, Schwab, TD, etc.

Built a strong relationship with Advent Software resulting in RedBlack becoming one of the first competing trade order management systems to acquire a strategic partnership with Advent.

Established a strategic partnership with TD Ameritrade resulting in RedBlack being the first rebalancing system to integrate with Veo.
 
Architected and launched RedBlack's Cloud initiatives and became one of the industries earliest proponents for cloud computing in our industry.

Launched a Growing Advisor Program bringing RedBlack technology to burgeoning firms with an entrepreneurial spirit. 

Working with industy experts, writers, news and PR outlets to keep RedBlack in the forefront. 

Disrupted fintech by applying deep knowledge in data centric high performance distributed computing.

Co-founder, CTO, Product Marketing, Business Development

The Giza Family - Sabbatical

Enjoyed 12 months with my family, expanding my children’s cultural, educational, ethical, and social life experience

CEO (Chief Education Officer)

Blackpearl Software

Co-Founder & SVP of SPSS Business Intelligence Solutions services provider. Worked closely with SPSS (NetGenesis) in providing SPSS with fly-n-fix, engineering and support group staff augmentation.

Directed staff of 10+ development engineers for extended Oracle DB design projec

Co-designed an advanced remote database performance and statistics system using early XML technology. This system served as the backbone of Blackpearl’s Oracle monitoring capabilities and far exceeded the capabilities of HP OpenView and similar systems.

Built a strategic alliance partnership between Oracle, SPSS and Exodus to provide outsourced web metrics and market data solutions. Trained Exodus sales executives as part of the ongoing alliance relationship.

Brought the single largest deal in Exodus history to fruition via our channel relationship valued in excess of $250 million.

Managing Director & Co-Founder

I am an established software professional with extensive experience working with start-up and Fortune 500 companies.

My professional expertise & skill highlights:

Co-founder of three successful startups with two acquisitions. Blackpearl.net, Redblack Software acquired by Invesco Dec 2019, Advisorpeak acquired by Addepar Oct 2021.

CXO management experience startups and early-stage companies. An effective leader, coach and mentor. 

Go to market GTM and Product marketing responsibility as CMO. Product visionary & Product evangelist. 

Distinguished written and verbal communication skills and public speaking

Working knowledge of complex systems integration and implementation across a wide breadth of platform types including SaaS, PaaS, IaaS and API. 

Practiced knowledge and delivery on public and private cloud platforms including AWS, Google, Microsoft and private label platforms. 

Career Mantra: Surround yourself with those wiser than yourself

Daily Mantra: Learn something new everyday

taplio

The Battle

George Otel

Pete Giza

Followers

Posts

Engagements

Likes

Performance ScoreGeorge Otel's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

George Otel

Pete Giza

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}George Otel's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreGeorge Otel's LinkedIn Performance