Founder Of Barrington Commercial Capital: Ray Johnson AKA The Capital Boss - S2E9 (#37)

“Explore, Read, and Commit yourself to action. Exploring allows you to find out what the world can offer you. That’s what it does. And, you know, despite what’s going on in terms of politics and what have you, it’s a big world out there with a lot of different ways that people can make money.”

In Season 2, Episode 9 of the Boss Uncaged Podcast, S.A. Grant closes his real estate month with an information-filled interview. Ray Johnson is the Founder of Barrington Commercial Capital which provides alternative structured finance solutions tailored for business owners.

Each episode of Real Estate month has focused on the property, but in this episode, they discuss ways to get financing for the purchase. With an education in Finance and Accounting, Ray began his career in the world of corporate America. Frustrated by his day-to-day job and armed with a wealth of experience, Ray decided to step out on his own and start a company that focused on providing financing options for business owners that were not receiving funding from the traditional banks.

“We evaluate you differently than the banks do. We are very holistic in our approach to evaluating a credit, which means that it doesn’t matter what you’re doing. If you’re a business or you have a commercial property, we look at you, your income, your debt to income ratios, and then also default to what the business is doing. In many of the products that we have, we are going to take a look at you from a credit score perspective. But beyond that, we don’t really care about what your income is because none of our products are personal consumer products. They’re all commercial products. So, therefore we can look at what the commercial building is doing in terms of income and expenses and determine can it support a loan and then make that loan on that building based off of the financials of that project versus you personally? We don’t have to look at what your income is. We don’t have to look at what your debt to income ratio is; none of that matters in the evaluation. And because of that, we can do more loans than sometimes banks do because our lenders have more flexibility in how they can evaluate the project. A lot more is dependent upon how the business is doing versus how the individuals perform.”

This episode is so good; you need to listen to it twice. Additional topics that are covered:

• The benefits of career pivots
• How alternative bank financing works
• The highs and lows of lending
• A deep dive into Accounts Receivables
• The difference between Lines of Credit vs. Factoring and which one works best for your business
• And so much more!

Want more details on how to contact Ray? Check out the links below! 

Ray Johnson

Website https://www.barringtoncommercialcapital.com/ 

LinkedIn https://www.linkedin.com/in/ray-johnson/ 

Twitter https://twitter.com/barringtoncomme  

Facebook https://www.facebook.com/Barrington-Commercial-Capital-LLC-1778527939039570/  

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