Business Lending Blueprint Review – Omar’s $48,000 Journey

Omar:

The guarantee… was that if you join and you actually listen and you actually do the work, you will make money 100%. I know you can’t guarantee, but I can. Like, I was on the fence with this at the time before purchasing this. I tried so many things, man, and it just didn’t work.

And if I could just package up what I know and just give it to someone in a card, it would be to buy into your… honestly, like, it did change my life and just changed my perspective and the confidence in myself in being able to manage my own business and make money for myself and my family.

It was a little bit hard to believe for myself how I earned the money so quick. I actually spent it much quicker also because I made it so fast.

And all you’re doing is kind of finding people with the money — which we provide — and finding people who need the money — which we also help you find — and then collect money in between. That’s the logic of business loan brokerage in essence.

Oz Conar:

Hey everyone, Oz Conar here with Business Lending Blueprint. I have another special guest with me today. We’re going to talk about a lot of cool topics when it comes to funding.

I have Omar Tinsley. He’s an experienced broker, actually. He’s also a part of our BLB community. Him and I chat a lot about the deals that he’s closing, what’s going on in the family. But we never had a chance to do a catch up. And I said, why don’t we just record it and release it in our community and also on our YouTube channel to have you guys see the type of things that we discuss and how we help people like Omar grow his business — and also him helping other people grow their businesses by providing capital.

He’s been a business loan broker. I’m going to pass it off to Omar for people who might not know you. Can you do a little introduction on where you are, what you do, and how you ended up here?

Omar:

Thank you, Oz. And yeah, thank you for taking the time to jump on this quick call. And look, I hope everyone gains value from what I’m about to say.

I mean, I’ve only been in Business Lending Blueprint for less than a year. Yeah. But wow, what a year that’s been.

Honestly, guys, I just can’t thank you and the team enough for the amount of information that they actually give you — but also access to the lenders. I remember before, when I first joined this community, the value is in the lenders itself, right? Everyone wants to help each other. So it’s really good.

I mean look, touching base on the money because that’s why everyone’s here. That’s why everyone wants to sign on to the community.

In my first month, I was just saying to Oz, I made over 48K in month one. So… deals month one all from one referral partner, like you was just saying, Oz. I mean look, that’s life-changing money. You know it is.

That’s more than, you know, a starting salary for a doctor who’s studied for like seven, eight years.

Oz:

Absolutely. Most people have to work the entire year to make that much. And then that’s just incredible.

Omar:

Incredible. It was tough to believe, honestly.

Oz:

Exactly.

Omar:

And you know what? It was a little bit hard to believe for myself how I earned the money so quick. I actually spent it much quicker because I made it so fast. But then look, I did make it back. But it was just amazing to me.

I just came in, picked it up, I ran with it.

You know what was amazing? I have — and I’m not saying it’s just for the members and just for people to sign up — but it’s just like I have never purchased something that had such a one-on-one bespoke service to individuals.

You get unlimited access to multiple weekly calls. You get your own coach as well as course videos. It was tailored one-on-one and course videos plus the community plus the lenders. It was literally a no-brainer.

I made my money back within 30 days. And not even for them — it’s just given me a sustainable business. It’s helped me get my own… it’s helped me get a car. You know, I’ve got two children now that I’m able to support.

Oz:

How are the twins? You had twins recently, right? That’s incredible.

Omar:

Yeah. I mean, I can’t steal the show for my partner. She’s done all of the hard work.

Oz:

Yeah.

Omar:

But it’s nice to know that I don’t have to worry about money because of something like this, you know?

And even when I’m not smashing down doors — like what I was saying to you a minute ago — deals just come to me now.

The 300K one last month just before Christmas — made 300,000 credit line just before Christmas. And the good thing about it is I actually got paid again last month. I forgot to tell you this one.

Oz:

Ah, I didn’t know that. I didn’t know about it.

Omar:

It was from NBC, National Credit. Yeah. And I got the guy that I do with over there — he sent me a message saying, “Oh, we’ve just paid your commissions.”

I’m thinking, “Well hang on. You paid me like 3–4K like three months… why are you paying me again?”

So anyway, I messaged back. I go, “If you’re not sure if you sent this to the right person…”

He was like, “Oh no, you done a credit line with us and they’ve drawn down the funds again, so we’re paying you again.”

I was like, sweet.

Oz:

That’s how credit lines work, dude. I have people in our community that they’ve been kind of coasting on credit lines that add up to like a few million dollars and every time the customer draws on it, they get paid like clockwork.

And Matthew is awesome. He’s one of the partners.

People don’t understand it with credit lines. Like obviously you can — that’s why I say that, you know, in alternative lending, especially the system that we created, not just the industry itself, you have one-time opportunities. Like you said, you make 48,000, 46,000 one-time payment there.

Also opportunities that pay you ongoing as it happens. There also products that pay you residual — so ongoing is not same as residual. Like a line of credit is not residual. It doesn’t build, it doesn’t keep growing like compounding, but it pays you over and over again — repeat income.

Residual is like when you do credit card processing. We have a bunch of invoice factoring — that’s the residual one that it builds up over time.

So you know, people usually look at one of those opportunities within the alternative lending. What we built — you have all of them in one place.

Like you said, you have a huge month then you go, “Oh shoot, I got paid again on the same deal, same customer,” and that customer started using it — they’re going to use it over and over again.

So imagine you have throughout the year, you accumulate 10 of these are happening. So every month there’s income coming in. It’s a very incredible opportunity.

I think the opportunity in itself is just alternative lending. I don’t think a lot of people realize, you know, especially businesses — we have a tremendous solution here for businesses.

You know, a lot of people that may be on the fence whether to come into this — a lot of other industries, there’s a hard pitch. There’s a hard sale for this product.

This product is so sought after. And the thing is, there’s no… like, we can deliver on this. The lenders that are given in this program that you’ve acquired and you’ve put together for everyone — it’s just tremendous.

Like, we solve a genuine problem.

And you will be shocked — I’m even shocked now with the amount of businesses out there seeking funding that cannot get it. And they come to me.

I closed a whiskey one not so long ago. They was with another broker for six months. It came to me six months prior. The broker wanted to work with me anyway. Long story short… broker, broker… it wasn’t really working.

But when we got the funding for the client, they came back to us six months later. They got rid of that broker. I got them three offers within a month and they took two.

Oz:

Wow. You know, it goes to show this is a genuine problem that businesses are facing.

Omar:

Yeah. And we have a genuine solution.

Oz:

We do. And a lot of times businesses do not even know their options, right? You’d be surprised. Like, we think when you own a business, you know all the options. No — they have no idea the stuff that we can do to help them get funding, right? They legit have no idea.

But when you joined Business Lending Blueprint, this wasn’t your first rodeo, right? So you’ve been a business loan broker prior to BLB. Can you talk to me about your background a little bit and where you’re located?

Yeah, you have obviously a very pretty accent.

Omar:

Yes, I’m located in London. I’ve actually moved out to coastline now, just outside London. Obviously, I’m originally from London.

So anyone that’s worrying about work ethic — you know, I work all day and then I’ll stay up till, you know, sort of 11, 12:00 p.m. my time to keep up with the mountain times, right?

My experience has been in the financial market. Before then it was construction. But I would say that gives me a bit of an edge, but not a total edge, because the UK market is nothing to do with the American market.

You know, the way that they underwrite loans is all securitized. A lot of the stuff in the states isn’t securitized. The underwriting process is completely different. So nothing that I knew… because I sort of had to relearn everything and where I was still working.

So I was working at an international investment bank based in London, but predominantly working on a lot of construction projects and construction loans.

So I stumbled across you on a YouTube video, bro.

Oz:

Oh really? Okay. Yeah, we never talked about how you came across. I know you joined — everyone on my team knows you and you did a lot of Zooms and videos and we figured out your paid ads and all of that, but I never asked you like how you found out about us.

Omar:

I found you on a YouTube video well over a year ago and it was like “how to find more customers looking for loans” and you were the only guy that come up.

I was like, what the— there’s actually a company out there that are actually helping people get clients. And I’d never go back, mate.

You know, the American industry is so much easier and lucrative to be in this space. In any other industry, it’s very, very difficult because of the regulations and stuff like that to be able to come in and do this. You can just set up a business.

I mean, I’m still based in the UK and I operate in America. Funding is in America. Your platform as well — second to none. Autopilot that you get, you know — I’ve got American phone numbers, the website you set up for me — literally plug, play, let’s go. You know, couldn’t ask for a better system.

Oz:

And I think you touched on a great point. You have a lot of people from England and Canada. They want to come to BLB and their number one reason is that, “Oh, I want to start funding in my own backyard,” like England and Canada and whatnot.

And I tell them, you can do it, but I’m going to tell you it’s going to be a lot easier if you do it in US. US is the global force and we have a very mature market — alternative lending market — than what’s been happening.

We have lenders in London too, like England, but like you said, a lot of the deals are collateralized, so it makes it a lot more complicated and reduces the speed and the commission and scrutiny and all of that.

So what would you say to those people who are looking into this and obviously you know intuitively they’re like, “Why not offer it in my own country? I know people here.”

Omar:

Yes. But don’t underestimate the size of US market.

Right. Breaking it down — well, America, you got higher commissions. So you can get paid much higher commissions.

If you’re in anywhere in Europe, predominantly, you’re looking at 1% commission if you’re lucky on most deals. Due diligence period is anywhere between 6 to 8 weeks. Wow. Most of the time deals fund in like 3 months unless you’re doing a quick bridge. So this is Europe.

In America, you’re looking at terms within 48 hours. And unless it’s a real estate deal — which probably take four weeks, maybe a bit longer — SBA’s can sometimes take a little bit longer, maybe six to eight weeks, worst case scenario.

In the UK, you’re looking at minimum generally 3 months. Through that whole process, the deal could fall down from so many different reasons.

Whereas in America, if you send something to a lender, you’ll get an answer back within 48 hours if it’s going to go ahead or not.

So that — speed, commissions, and there is a real demand for it in the states.

Everywhere else, it’s so competitive, whereas there seem to be more projects available for funding than there are funding brokers in America.

Oz:

Oh, 100%. Where it’s not the case anywhere else, like in Europe, UK, and other territories that I’ve been in and I operate in now.

Omar:

I mean, I’m operating in both. I’m from the UK and I still pick the American market every single time, hands down, ‘cause it’s so saturated over here.

Like, there are ton people, you know, cower to the word funding over here. If you send an email, “Oh yeah, do you want to do funding?” You think, “Oh, here’s another broker,” you know — it’s bad terminology.

Whereas in the states, it’s so sought after. You know, “Oh, I can get you funding.” “Okay, well, let’s explore it.”

So I would say, you know, if you’re sitting on a fence with territory-wise, it’s a better move to try it in the States 100%.

It’s a lot quicker. You don’t need the compliance level as well. A lot of the time you need to have a level of compliance. You know, you could operate as a sole trader in your own country and operate in the states, and still get paid, and the money ends up in your bank account, and you don’t need licensing and all that stuff.

So that’s very cool.

Oz:

So, let’s talk about some of the products that you believe in — diversity, right? You’re not just doing merchant cash advance. You just talked about doing business line of credit.

What kind of solutions do you provide your clients when they come to you, Omar?

Omar:

I mean, I tend to stick it to three things, which is kind of how you told me to streamline it.

You can’t be too specific because you do need to cater to more, but then you can’t be too broad because then what happens is you end up working on a load of deals that are going to go nowhere. So you have to be very strict with what you take on, but also try to cater to as many people as possible.

So I just stick to the startup funding, which can also be applied to businesses as well, which is your S-locks. You know, just a startup line of funding — 0% interest loans — but then you can charge anywhere between a 10 to 15% processing fee. Then obviously you get that straight back.

They’re quick, easy loans. You can be in and out within, you know, a week and be paid. So, I love those ones. They’re very, very fast.

Like I said to you, I closed one of those, made 6K in commission, and sent four emails. Literally the whole process — four emails. It was amazing.

Obviously, we also offer existing business finance. So businesses that are turning over revenue.

I did start out like minimum 5K a month, but there’s— I’ve moved away from that now. Majority of the ones I look at are minimum sort of 30K. Dip below then I can do more with it.

And then we do real estate funding as well. So a lot of people tend to shy away from them. I know there’s a lot of brokers, especially that I’ve met and within the BLB, they won’t look at real estate deals, but I like hard assets, you know.

The biggest one that I’ve done was a million pound one — million on its own that I brokered out, you know, made 3% on that deal.

Oz:

Wow.

Omar:

Which was brilliant. And that was a customer owned the property, bridge against the property, you know — so then against the property as a bridge and loan.

Great. We do development finance as well, as well as refurbishments. And invoice factoring as well is a really, really good one that we’ll do.

Oz:

Yeah, invoice factoring is hot.

So yeah, you were telling me about that deal — the real estate deal, collateralized real estate — back a million dollars in funding through one of our lending partners, 3% there. That’s like a $30,000 transaction, right?

I know many people usually want to go for like faster funding options.

For example, we launched BLB Network like two months ago like I was telling you, right? Our own funding company — funded millions so far — and the average funding time is 48 hours, right?

So, someone sending the documentation and you can get funding through basically any of the big lenders out there, including our own lending company, in a matter of hours. Like we get the offers on the table, our own entire internal team is doing it.

That’s awesome.

But like you said, real estate is a wide open area, like commercial real estate. Like people get it confused with residential.

No, we’re not doing funding for someone who’s buying a home for the first time. But like there’s real estate-backed transactions.

US — no matter what happens — this is a real estate country. Like, you know, it’s built off of real estate assets and things like that. There’s always something going on.

And since the dollar value is higher on those transactions, even if you’re making 3% — 3% of a million is $30,000.

And like you said, it’s life-changing money from just one transaction. What if it takes three weeks, four weeks? So what?

And then you get all that handholding that you need. It’s not like you’re flying out to the prop.

Have you gone to the property or—

Omar:

No, no. I didn’t do any of that. I was just the middleman.

Oz:

You previously before know the middleman makes the most money, right? Makes more money than a lender.

More money — I call it a financing matchmaker, dude.

Like, there are lenders who have a bunch of money in their bank account. They want to make money off of it. There are people who need money, right?

I always say it’s very difficult to create demand. So, if you’re in an industry that doesn’t have demand, good luck. Like your life is going to be difficult.

But if there is demand, it’s way easier to channel that demand. Like you said, how you found me on YouTube because you were demanding something like more lenders, more funding options, then I just happened to be there.

If you were not looking for something, me being out there wouldn’t have made a difference for you because you don’t need it.

Same thing in the US. Like people need capital. They need to fix and flip properties and all that stuff.

You just need to be the guy or the girl in the middle matching them to the right lender because your customers will have no idea who to go through. They won’t understand the terms. That’s where the value is.

So you can technically run a seven-figure business with no employees and all you’re doing is kind of, you know, finding people with the money — which we provide — and finding people who need the money — which we also help you find — and then collect money in between.

That’s the logic of business loan brokerage in essence.

Omar:

I just think like you’ve explained it there — sometimes we can get paralysis by overanalysis. It is literally that simple.

You know, it’s: what do you need funding for? This is the criteria. This is the documentation we need. And this is who you need to send it to.

That’s literally it.

There’s no need in trying to get too over confused of all these different moving parts. Just stick to that script. Nine times out of ten.

Okay, there are some that are a little bit creative sometimes that we take on and that we work on, but it is literally that simple.

Simplifying the process can sometimes be a lot easier.

And you know, I’ve even found it — if you start working with a lender that you’ve not worked with before or you’re getting in the space — just contact the lender. Ask them how they want to see the information, how do they want it submitted to them?

Because I know that I want the lenders to be my— I love clients, but I want the lenders to be my best friend because I want them to look at my stuff fast. I want them to give me answers quickly and I want them to be honest with me.

So if I can get friendly with them, i.e. help them help me, give them information in a quick, easy way — ‘cause they’re looking at loads of projects.

They don’t want to see an email from, “Oh, Tinsley’s emailed us again. What’s this? Let’s put that to the bottom.”

I want a good working relationship with them. So I’ll ask them, okay look, what sort of deals are you looking for? How do you typically find your deals? What format do you want the deals to be sent in? Which is the easiest way for me to give you a decision?

That’s how you want to do it.

Oz:

Absolutely. I think you touch on a great point.

A lot of people try to look for ways to trick the lenders to fund the deal. It is the other way around. Like, no one is making money until the deal is funded.

Like you said, contacting them — and we get a lot of questions like, “What can I do to get this deal done?” And they’re going to tell you exactly what they need.

And all you have to do is be the broker and tell the customer like, “Listen, do you want this money or not? If you do, here’s what I need from you. I heard it from the lender’s underwriter. If you provide this and this, we’re going to get the funding. We’re going to get an offer on the table,” right?

There’s no tricks. There’s no gimmicks. It’s just asking the people who approve the deals because money is coming from them. Money is coming from lenders like us.

We want to fund deals, but I want you to kind of comply with what I need from you so I can improve a deal. Let’s work together.

Like you said, I love the customers, but I love my lenders because if I understand what they need, all I have to do is find the customer who needs it.

People usually do it the other way around. They take the customer trying to match it to a lender.

No — I understand what the lender needs. So you save time. Like you are making a lot of money — your per transaction earning is so high because you’re kind of picky with who you go through and you know whether you can fund a deal or not.

That’s a lot easier than trying to get everyone funded, right?

So then you fall into situations such as, “Oh, I’m submitting deals and they’re not getting funded.”

Yeah, but you’re not submitting deals. That’s the problem. They’re not deals to start with.

Does that make sense?

Omar:

Yeah. No, 100%.

It’s almost amazing how now I just look at something and I’m like, “Right, yeah, that’s not getting funded.”

And I’ve got a couple of guys that work with me now. I’ve been fortunate to, you know, employ people and have the business.

And I mean that this is another beautiful thing that you have — you know, when you work in such a lucrative space, you know, and people start working with you, and you can give them cuts of the deals and stuff like that, you know, you can almost get them sold on the idea of working with you and also working by themselves.

And even, you know, Martin — a guy that I work very, very closely with — I’m trying, I’m training him up to be like me at the moment.

And he’s like, “Why don’t we take this on?” And I’m just like, “Listen, we are not taking this deal on because this deal will not get funded.”

And he’s like, “Oh, but you know…”

And it’s like you mentioned before, we got on the call — it was like you can sometimes just try to make things work, but they’ll work… you know, if it don’t work, just move on to better people.

You know, at the end of the day, if it’s not being funded, they don’t do bad loans. You know, if it’s not being funded, it’s a bad deal.

Oz:

Yeah. Why do you think they don’t want to fund it? Like they want to make money, right?

So it’s almost… it feels counterintuitive, but if a lender doesn’t want to fund the deal, they want to protect themselves and they want to protect you, right?

So I know we get ambitious, like we want to make it work, we get excited, but it’s far better to build a solid portfolio.

And to what you said earlier — you want the respect from the lenders, right? You want them to say that if Omar is sending a deal, we got to approve it. Like you can ask for favors at that point because they know that you’re running a clean business versus trying to trick them and kind of hide a statement maybe and, you know, say something that the customer didn’t say just to get the approval.

Those are not good practice, especially if you want to play the long game.

One question I have for you, Mars — I know you are a very efficient closer, right? You get a file and your closing percentage really, really high.

Someone who’s maybe in this industry and they’re not doing as well as you do — what’s your like secret sauce?

I know I’m going to have you come into our community and do a training on this one. We kind of talked about this, like the sales process, but for someone who’s maybe on YouTube, they’re trying to understand this — like how are you so good at getting deals?

Omar:

Exactly. You’re guiding them through a decision they already want to make. They just don’t know how.

And that’s why education is such a big part of this business. Most business owners don’t even know these options exist.

They think bank or nothing. And when the bank says no, they assume that’s the end of the road.

But when you come in and say, “Actually, there are multiple ways to fund growth — term loans, lines of credit, equipment financing, 0% options — and here’s how we choose what’s right for you,” it completely changes the conversation.

Now you’re not a salesperson. You’re a problem solver.

Oz:

And that’s why this industry is so powerful. We’re not pushing something people don’t need. We’re filling a gap that already exists.

Omar:

Exactly. And once you see that, it’s hard to unsee it.

You start realizing how many businesses around you are undercapitalized, stuck, or growing slower than they should — not because they’re bad businesses, but because they don’t have access to capital.

And when you can be the person that helps unlock that, the money becomes a byproduct of the value you’re creating.

Oz:

I love that you said that — the money is a byproduct.

Because a lot of people come into this thinking only about commissions, and then they burn out or get frustrated.

But the people who last — like you — are the ones who genuinely focus on helping the business owner win.

Omar:

Yeah, because if they win, you win. It’s that simple.

And look, I’m not perfect. I’ve had deals fall apart. I’ve had lenders say no. I’ve had clients disappear.

But the difference now is I understand why things happen. I don’t take it personally. I don’t chase bad deals.

I just move on to the next opportunity, knowing that the pipeline will always be there if I keep doing the right activities.

Oz:

That’s such an important mindset shift.

Alright, last question before we wrap this up.

If someone is watching this right now — they’re on the fence, they’re curious about business lending, but they’re hesitant — what would you say to them?

Omar:

I’d say this: stop waiting for the perfect time.

I waited. I overthought it. I analyzed everything. And the moment I took action, everything changed.

This business rewards action. It rewards people who are willing to learn, implement, and stay consistent.

You don’t need to know everything before you start. You just need to start.

And if you’re willing to show up, attend the trainings, take action on what you learn, and actually help people — this can absolutely change your life.

It changed mine.

Oz:

I love that, man. Seriously.

Thank you so much for jumping on, sharing your story, and being open about the journey. I know this is going to help a lot of people.

Omar:

Thank you, Oz. I really appreciate it. And thank you to the whole BLB team. Couldn’t have done it without you guys.

Oz:

Alright guys, that’s it for today. We’ll see you on the next one.