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.

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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

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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.

Cosmin Rusu

Transforming Visions into AI MVPs & Products | Founder @Duty Ventures | Ex {Google, Apple and Amazon}

Hi, I’m Cosmin, the Founder and Lead Engineer of Duty Ventures. 

After some experience as a software developer in companies such as Google, Apple, and Amazon, I decided to launch my project.

With several former colleagues and college friends, we launched our own startup specializing in software development for entrepreneurs and customers needing software development services. 

Duty Ventures is all about developing software products from start to finish, thanks to the experiences we have all acquired in the past years.

One of our most successful services is aimed at entrepreneurs and early-stage founders, for whom we provide an MVP-builder service getting their product from 0 to 1 within weeks!

However, our services are not limited to that. The teams we create do much more than just create MVPs and are able to adapt to the different technologies requested, all of this in an agile way.

Our most recurrent services are the following:
- MVP creation
- Custom Software Development
- Blockchain Development
- Mobile Development
- Checkout pages
- E-Commerce

And our most used technologies are:
- Ruby on Rails
- React
- React Native
- Java
- NodeJS


If you want to learn more about how we can help you, head over to: https://dutyventures.com


Phone: (+1) 669 200 9568 / (+40) 754 973 314
Email: cosmin@dutyventures.com

Founder & Lead software engineer

I'm leading a software development agency focused on fast iterations. Most of our clients are shipping more features, responding faster to support tickets, and have accelerated growth because of us.

We focused on HealthCare a lot lately due to the accelerated digitalization in this industry. I am a strong believer that we can make healthcare more technically advanced via pure software. 

In terms of technologies, our previous projects involved Ruby on Rails, React, React Native, Scala, Java, Kubernetes, GCP, AWS (ECS, RDS, AKS), Stripe Connect, HIPAA compliance.

Some of our previous clients: 
- Spotify
- Colgate
- Go4Ellis (incl. HIPAA compliance)
- KindBody (+1 HIPAA)
- NXT Sports
- Noom (Healthcare)
- Mochila Fulfillment
- 3Step
- Mylk Guys (YCombinator)
- NLV Productions
- SH Technologies
- One Step Software (Techstars)
- Ergodic Labs
- Med Prep
- Testing Psych
- Abundance Digital
- Tookitaki

I upgraded to a Standing Desk half a year ago! Worth it? Not really - I find I very rarely use it, and recently just thought about it... We tend to stick to what we're comfortable with, to what we are used to. It's hard to get into a new habit. But once it becomes a habit, it's almost like second nature. In 2026, I plan to use it more often.

Product-minded Devs | Founder @Duty Ventures | Ex {Google, Apple and Amazon}

Are you behind on your Stripe API upgrades? Be careful! Stripe is sunsetting some very important and widely used features.

Stripe::Charges, Stripe::Sources are being deprecated and replaced with the more modern equivalent, the Stripe::PaymentIntents and Stripe::PaymentMethods. While you can still use them, you should plan to upgrade your integrations to avoid imposed deadlines during your busiest season...

In fact, one of my long-term clients started contracting us for a challenging Stripe Connect upgrade, back in the days when Stripe rolled out mandatory Know-Your-Customer (KYC) flows. 

To learn more, keep an eye on the Stripe Change Log: https://lnkd.in/dBm7PKvf

In B2B sales, I learned a valuable lesson: it's easy to focus on getting new customers, but super hard to get them to sign up. However, it's hard to focus on existing (or past) customers, but super easy to get them to sign.

How do we work remotely as a team? What tools to do we use? Let me break it down to you.

- Communication: Slack
- Email: GSuite
- Meetings: Google Meet
- Project Management: Trello - very simple and clean. For more complex projects - JIRA
- Code Editor: Windsurf

That's it - nothing fancy, nothing complex. This is our "productivity" stack. Next, it's up to the individual to figure out what works for them. We don't want to force anyone into using anything that they aren't excited about.

Learning from others' mistakes! Here's another example of failures in marketing that will lead to bad outcomes.

I got a cold email from a company selling cybersecurity services. I clicked on their website, and I got this pop-up.

I get that sometimes marketing emails don't go through strong security checks, but you can imagine how a lead would react if you send such emails.

Are you rich when you make 25x your annual spending? Is that the "golden ratio" of financial independence?

Here's a great hack I naturally learned that improved my sales skills:

Whenever you get a cold email, cold LinkedIn message, or even a cold call, answer and be receptive - be the buyer!

I'm almost always doing this, just to see how the best salespeople perform. If I forget about them, do they follow up? How many times? If I simply forgot to sign the papers, how do they gently ask me to sign?

I'll give you an example: I get called a few times per quarter from mobile carriers that are trying to sell me their phone services, like SMS, voice, and internet. I almost immediately say:

- I'm not interested - I already have an unlimited cheap subscription, thanks! 

However, last time I got a call, I asked them to tell me more, and asked:

- How are you better than this other subscrption I have?

Next time I send a message regarding custom software development work, I'll understand that most people like where they are at and don't want to change their teams. However, if you approach the conversation from their angle, you'll find that if you can tell them something that they don't know already, you might at least have a small conversation.

Doing this will make you more empathetic to your next clients, and you'll learn faster what works, and what doesn't work in sales.

Not to mention you'll see how easy it is to "slip" through the funnel 😆!

Careful - we re getting replaces with cached code written by AI - so all our code will have the same bugs and issues that we will have to fix… that would be a cool service businss idea: bug fixes for your AI agentic coder

Cute how devs think they’re gaming the system with $200/month for unlimited Claude Code. ”Oh, I’m burning $2K in tokens with 6 Claude Codes before breakfast!”

Buddy, you’re not burning tokens. You’re burning markup.

I wired Claude Code into a dedicated vLLM to see what’s really under the hood. Six hours of pure coding and debugging later:

- 47M prompt tokens
- 45M prefix-cache hits
- 96.39% cache hit rate (token-weighted)
- Actual compute: 1.3M prefill + 300K generation tokens

That’s not GPUs working hard. That’s a cache with delusions of grandeur.

Anthropic’s “subsidized” coding plan isn’t subsidized; it’s a cache lottery. When they serve you a well-quantized Haiku/Opus hybrid that’s 96% memorized boilerplate, the marginal cost rounds to zero. The limits are fake scarcity. The $100 and $200 tiers are merely psychological anchors.

You’re not paying for compute. You’re paying for the feeling of unlimited power while they throttle you at 5 hours/week limits to protect GPU margins.

Agentic coding is a brilliant pricing hack. Just don’t confuse it with actual token economics 🤡

Make sure you own your AI. AI in the cloud is not aligned with you; it’s aligned with the company that owns it.

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The Battle

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Cosmin Rusu

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The Battle

George Otel

Cosmin Rusu

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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

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