Main Street Makers

#7 Yizreel Tate: Scaling Smart in a High-Risk Industry

• Episode 7

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In this conversation, we talk with successful entrepreneur, Yizreel Tate, who owns several businesses, including a transportation company. Yizreel shares insights on how he scaled his business from one party bus to over 100 vehicles in just a few years, emphasizing the role of community support and the need for proper organization and resources for aspiring entrepreneurs. He also provides valuable insights into navigating the funding process and offers advice for aspiring entrepreneurs.

Disclosures

Nav is a financial technology company and not a bank. Banking services provided by Thread Bank, Member FDIC. The Nav Visa® Business Debit Card and the Nav Prime Charge Card are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details. All other features of the Nav Prime membership are not associated with Thread Bank. 

With regard to credit building features: scores are calculated from many variables; some users may not see improved scores. The Nav Prime Charge Card is a business financing product and may not be used for personal, family or household transactions.

Nav Technologies, Inc. (“Nav”) makes no assurances or representations regarding the accuracy or sufficiency of the information included in this podcast. Any claims made regarding Nav or its products are the experience(s) of the individual expressing them. Individual results may vary. This podcast is for educational purposes only, and is not legal or financial advice. If you have questions, consult a trusted professional to help you make specific decisions about your business. The views, opinions, and statements expressed by the host and guests on this podcast are their own and do not necessarily reflect the views or opinions of Nav. 

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Yizreel (00:00)

I always was taught or brought up that either I'm going to build my dream or I'm going to help somebody build their dream. And I always want to be that person that could set my own goals, my own schedule, set, you know what, I am able to still do a lot of stuff with my kid. So when I was working for someone else, it was less I could do with my kids because I had to give this time to this time. And becoming a business owner, it was able to give me a lot more freedom.

Tiffany (00:33)

Hi, welcome to Main Street Makers. We are sitting here with Yizreel Tate and we are so happy that he decided to join us today. We want to hear all about your business.

Yizreel (00:47)

Alrighty.

Tiffany (00:48)

Yeah, thank you so much for coming on. Yeah, so tell us a little bit about your business or businesses as far as I understand.

Yizreel (00:51)

Of course, thanks for having me. Yeah, yeah, I can. So I do actually own a couple of different businesses. So I own a barber shop. I have 14 locations. And then I also own a party bus limo transportation company.

Tiffany (01:16)

Okay, very cool. So yeah, so you have, so you're pretty big. I mean, you still consider yourself a small business or small business owner. Yeah. That's awesome. for your transportation business, are you a sole prop? Are you an LLC? Are you a partnership?

Yizreel (01:19)

Yes. So I'm technically listed as a corporation for tax purposes, but yes.

Tiffany (01:42)

Okay, okay, cool. Yeah, because I know that's like a big struggle for a lot of business owners trying to figure out how to register. So yeah, and then how long have you been operating?

Yizreel (01:52)

Yeah, definitely. So we opened up in 2019. So we definitely went through like the pandemic and COVID and all that other stuff, which was hectic on the transportation world.

Tiffany (02:07)

Yes. Right, especially like a party bus.

Yizreel (02:14)

Yeah, like we got four people in the party bus. That fits 50. So yes, it was definitely a struggle, but we made it out and we're still surviving and we're trying to do the best we could do.

Tiffany (02:18)

No. That's awesome. So how many employees do you have?

Yizreel (02:34)

So all of my employees right now besides me and my admin are 1099, but my drivers, I have about 20 drivers.

Tiffany (02:41)

Okay, yeah, that's an operation for sure. That's great.

Yizreel (02:50)

Yeah, yeah, yeah, definitely. I have 104 vehicles, so you know what I mean?

Tiffany (02:55)

Wow. Yeah, that is a lot. That's a lot to manage for sure. So can you tell us like why you started your business?

Yizreel (03:05)

Yeah, so I always was taught or brought up that either I'm going to build my dream or I'm going to help somebody build their dream. And I always want to be that person that could set my own goals, my own schedule, set, you know what I Be able to still do a lot of stuff with my kid. So when I was working for someone else, it was less I could do with my kids because I had to give this time to this time. And becoming a business owner, it was able to give me a lot more freedom.

Tiffany (03:40)

Yes. Because what did you do before?

Yizreel (03:42)

So I actually was in sales. So I ran a Fortune 500 company and I actually did all of their sales. So I actually used to work for Verizon and AT Yeah.

Tiffany (03:49)

Wow. Okay, so you probably learned a lot and then you're like, I need this, need to do this on my own.

Yizreel (04:00)

Yes, yes.

Tiffany (04:02)

That is cool, yeah. One thing that I'd heard you say before is like, wanted, you know, freedom, like financial freedom and also time freedom, which I love that idea because I think so many small business owners are hoping to get that. So that's like such a big deal.

Yizreel (04:13)

Correct. Yeah, yeah. That's definitely the key in owning your own business. Like I say, it's that time freedom because you got to put in the same hours no matter what, whether it's your company or you're working for somebody else. And it just feels so much more empowering doing it by yourself or doing it for your own company and then being able to help out. So we have a couple of nonprofit organizations as well. So just give me the opportunity to do what I need to do for my community. And then also give back as well.

Tiffany (04:59)

I love that. Yeah, and actually that was one thing I was going to ask about was the community aspect. So how do you feel that small business owners impact local communities or small businesses?

Yizreel (05:10)

Yeah, I think they impact local communities because you actually know the people who's actually running this business. have a lot of people that use my transportation services and it's a lot easier when you know, actually know the owner or know the person who, who it is versus using a transportation company, say enterprise or anything like that, where it's just the owner is… who knows, you know what mean? So it's a lot more personal for the community. And then with me being in the community and coming from the community, it gave me that much more power to be able to help the community I came from and help the people that's helping me.

Tiffany (05:55)

Yeah, yeah, do you want to talk about those nonprofits a little bit?


Yizreel (05:59)

Yeah, so we have a nonprofit food pantry where we donate food, donate shoes to the less fortunate. And then for my transportation company, we also donate hours where we give kids that don't have rides to school or transportation to this function, this function. We actually give them free rides.

Tiffany (06:25)

That's awesome. I love that. That is so cool. Yeah, and I feel like if you're a small business owner, you're just more connected.

Yizreel (06:27)

You are. And it just feels like it's a friendly environment. You know what I mean? feel like it's somebody you're getting business or you're getting a service from somebody that you know, somebody that you can see, somebody that's always in the community, and somebody that's giving back. So you know, even supporting a small business, you know your funds is going back into the community.

Tiffany (06:35)

Yeah.Right, yes, that's huge. Did you have any surprises about when you first started or when you first launched your business that you wish you had known before?

Yizreel (07:08)

The business credit aspect or just funding and everything like that is one of biggest surprises because if you're a big company or you're working with a big company, those aspects you really don't see because these companies have tons of funds. So one of the biggest surprises was one of my party buses went down and it was a huge moneymaker.

You know what I mean? And that went down and it was like, man, what do I do? And this was when I originally started before I had 104 vehicles. But it's like, man, one of my vehicles went down that's bringing me in $150,000 in revenue every year. That vehicle went down and it's like, now what do I do? You know what I mean? 

So you get those aspects where you're like, man, like, “How do I overcome this?” I think what helped me is with me being a part of the community, the community chips in. You know what I mean? So that's always why I make sure I give back to my community, because my community gave back to me. When it went down, I had mechanics in the community. Hey, let me get this done for you. Let me try to help you out. Because you do so much for our city. Let me try to do this… to repay what you do for everybody else.


Tiffany (08:32)

Wow, that's amazing. So that's kind of how you bounced back was with help from others.

Yizreel (08:34)

Yeah, yeah, that's how I've been back with help from my community. So that's why I strive so hard to make sure I could be a positive small business or be that helping hand that somebody else might need.

Tiffany (08:41)

That is so cool.

Yeah, yes, exactly. That's really inspiring.

Yizreel (08:58)

And how I got more vehicles, it's just being in the community, helping out the community. And now somebody see, this guy's helping us, so let's help him. And it's just my business just start picking up, picking up, we buy more vehicles and we just keep it moving. I'm actually looking for more drivers always as we speak.

Because I have so many vehicles and with only 20 drivers, but 104 vehicles. I have a lot of sleeping vehicles Vehicles that sleep don't make money

Tiffany (09:27)

Yeah. Yes. Yes.

That's awesome. So when did you realize that you needed to get sort of organized on the admin side? like, like registering your business, figuring out your financials, that type of thing.

Yizreel (09:40)

Right away. Uh, cause the Yizreel don't mess around. If you don't have your ducks in a row and you, you know, me like me one small, uh, miss that could shut down your whole business. And then I came from a family of entrepreneurs. uh, my mom owned a doctor's office. My dad, uh, wasn't my dad been a teacher for 40 plus years.

Tiffany (09:51)

Yeah.


Yizreel (10:11)

So I came from that type of family, so it was always, hey, You know what I If you're going to do it, make sure you set it up, do it the right way so you don't have in the long run, get shut down or anything like that.

Tiffany (10:24)

Yeah, that is so helpful. I think I would say probably most small business owners don't come from that family, but it's so nice that you did. Yeah. So do you like if somebody didn't have that kind of background where they had people to give them that kind of advice, where would you send people to?

Yizreel (10:33)

No, for real. So we actually created, so it's called Autonomous Consulting. We actually created a company that helps small businesses or help people that want to get, become an entrepreneur, get all the resources that they need. So we created this company in 2017 before I opened up my transportation company when I was just doing a barbershop.

It was a coalition of about 15 people. We have a Kenosha alderman, we have a Racine alderman, we have a Milwaukee mayor in it. And so we just built this organization where if people that's in the community, if you needed certain resources or certain help, we was here to give you that information that you needed.

Tiffany (11:37)

Okay, that's very cool. I love that because you take what you know and you sort of give it back and help other people.

Yizreel (11:42)

Yeah, yeah. And so it's a nonprofit as well. So it doesn't cost to get these services or it doesn't cost to get this information. It's just we're putting back out the knowledge that we know, like I say, to help our community.

Tiffany (11:59)

That's fantastic. I think finding the resources can be the hard part. So that's great that you help people with that.

Yizreel (12:07)

No, definitely. Even like I said, with business funding, business credit, just knowing where to go to get what you need. You know what I mean? If you didn't come from that type of family, or if you didn't have that knowledge, It would be quite hard to just start and not know where you could go to get this information or how to do this without that community aspect. It is quite hard.


if you don't have the right information.

Tiffany (12:37)

Yes, yes. The information's out there, you just have to know where to look. Yeah. Which is kind of the hard part. Yeah, SBDCs, like Small Business Development Centers are also really helpful for people across the country. So you mentioned business credit. I'm curious about your business credit journey.

Yizreel (12:41)

Yeah, yeah, facts. Okay.

Tiffany (13:01)

Can you just talk about when you first found out about business credit?

Yizreel (13:08)

So I mean, business credit is synonymous with personal credit. Credit is credit. you could have business credit, but you really can't use it without good personal credit. So I was always into, trying to see what I needed to do to be able to fund my business, but not break the bank.

You know what I mean? Not be able to put all my eggs in one basket and just hope everything goes how it's supposed to go. And you know what mean? Like I told everybody else, Nav have been a great instrument in helping me build excellent business credit.

Tiffany (13:31)

Yes. That's so nice to hear. I love that. So can you explain how you use Nav?

Yizreel (13:51)

Yeah, of course.  So I used that, how I used Nav to build my business credit. So couple ways. and now that it helped build personal credit is awesome too. But how I use it right now, so you guys got the service where you pay a certain amount and then it reports trade lines for your business. With those trade lines reporting to your business, you have to have a certain amount of trade lines to even get started getting the done, uh, like a score, you get what I'm saying? And like I said, that's what Nav helped me do, especially now that it reports two trade lines. And now it also reports one to your personal credit as well. this new feature of the personal credit, it was genius. Because now you really can't have or use business credit without good personal credit. So this, the prime card and all that stuff, being able to report to your personal and business credit is great. It was a great option. So in the beginning I wasn't using my prime card as frequently as now I use it all the time. Yeah, now it's my go-to card.


Tiffany (14:49)

Okay, nice. That's great. That's so exciting. Yeah, and then so how do you leverage your business credit? Like, what do you what do you use it for for people who are like, what?

Yizreel (15:19)

Yeah. That's how we got so many vehicles that I have right now. Leveraging my business credit to give me more vehicles to help build my business. Even the same in the barbershop room. I leverage my business credit to be able to open up more barbershop to be able to get the nicer new equipment, the up to date equipment into the barbershops and the beauty salons. Literally, business credit is key to having a successful business. Or you're going to be using all your money out of your pocket and probably not going to go to well. 

Tiffany (15:54)

That's awesome. Right. Did you have any setbacks with that early on or did you start building right away like building your business credit right away?

Yizreel (16:10)

No, of course I had setbacks to my personal credit. In the beginning of my personal credit it wasn't where it needed to be. So me having a good business credit score really didn't do anything in the beginning because my personal credit wasn't where it needed to be. Now leveraging my personal credit at a higher rate now, actually allows me. So I went from 10 vehicles with no personal credit to 90 vehicles with good personal credit and business.

Tiffany (16:50)

Wow.

Yizreel (16:52)

So it really helped me put that battery on my business. It really helped me be able to move a lot forward.

Tiffany (17:02)

Yeah, that's awesome. So did you take out funding or financing for those vehicles or did you just use your revenue?

Yizreel (17:12)

Yeah, so some of them that we did take our financing on them. Some of them would just use our revenues, buy it, and then let it start making money as well. like I said, in the beginning, you had to use that the revenue, the business credit, or the personal credit wasn't there.

Tiffany (17:21)

Okay, yeah. Right, right. So it just makes it easier, basically, to grow.

Yizreel (17:32)

Yeah, definitely.

Tiffany (17:34)

So going from say 10 vehicles to 100, how long does that take? What's that timeline look like?

Yizreel (17:42)

We opened up in 2019 with one party bus. By 2020, we were at five vehicles. In 2020, we were at 10 vehicles. And then by 2023, I was at 104 vehicles.

Tiffany (17:48)

Okay. Wow. That's quick.

Yizreel (18:03)

So yeah. Like I say, I got everything where it needed to be and that was just so much easier. cause just on the transportation side of the company, each vehicle I would say that I add to my company easily adds 50 to a 100K a year.

Tiffany (18:25)

Wow. I mean, that's huge.

Yizreel (18:28)

Yeah, yeah. No, it's huge. And like I say, when you're looking at the vehicle's aspects, that 50 to 100K clearly pays off that vehicle. And it clearly gives me the cash flow to be able to buy more vehicles as well.

Tiffany (18:38)

Right. Yeah, yes, exactly. So how were you managing your finances in the early days? Like you sound like you were pretty organized. Okay.


Yizreel (18:57)

I wish. In the beginning, in the beginning, I would say I was not organized. I wasn't differentiating in the personal accounts, business account, banking account, which is key, especially for funding, especially for building business credit, especially being able to acquire business credit. They want to see the difference between your personal and your business. And in the beginning, I don't think I knew any better. Everything was just going to my personal account. It was like, how do we know this is business income? Like, how do we know anything? So learning, like I said, learning, going to our coalition that we had, Those were some of the steps that we were going through.

Tiffany (19:35)

Right.

Yizreel (19:52)

That I didn't know, but other people that were on our team knew, so they're like, hey, know what mean? Your business is doing great, but you have to separate the two. And since I separated the two, I think it actually helped in the jump of cards as well. Because now everything's separate. Now they know what is business income and what is my personal income.

Tiffany (20:16)

Right, yeah, I think a lot of small businesses are gonna start like that because they just don't know. But I think if you start separating, having separate business accounts and personal accounts from the beginning, it makes it lot easier and then you don't have to like, yeah.

Yizreel (20:22)

Yeah. It does. Even for tax purposes, if you're, account in or whatever, want to audit your bank account, but you have personal transactions in here, then it makes it a little hard. You know what mean? And that's why it's really key to have two separate accounts.

Tiffany (20:35)

Yes. That's really good advice. So when did you and maybe this was early on, but when did you reach a point where you felt like a real quote unquote business owner?

Yizreel (21:05)

I say I felt like a real business owner when I had my time and financial freedom. So I'll say about two years after starting my business, I felt like a real business owner because now I could delegate things that I need done and I could put people in a position. So now I don't have to be in it the whole time.


The first two years, I was everything. I was the accountant, I was payroll, I was the assistant. I did it all. You know what I mean? And after that two year mark, I was like, hey, I don't need to do all this stuff anymore. I have people that I train. That's the point of it. You want to be able to multiply yourself into other people, because now it takes the load off your back.

Two years in, I was able to really like, hey, I'm doing this now and this is a successful business. It's bringing in money, it's paying my bills and I'm paying other people, helping other people pay their bills as well. I could put somebody in this position where I could have more time to do family stuff. I have three kids. 

I was always that dad who wanted to be at every game, every conference, just had conferences this morning. I wanted to be able to do that. When I was working for AT &T, when I was working for Verizon, I missed a lot. You know what I mean, because these are your hours, or we need you in Texas for the next three weeks. You know where I was, I was in Texas. You know what mean? once I realized like, hey, I got this, and I'm doing what I need to do. Now I have that time freedom and I get that financial freedom. I knew I was a real business owner.

Tiffany (22:57)

That's awesome. And I think that's kind of a misconception about owning your own business is that your time is completely eaten up. Like you have no spare minutes, basically. But you're right that you can get to a place where you can delegate and that's great. Well, do you remember the first thing you delegated?

Yizreel (23:08)

Yes, it is. Yeah. Um, the first thing I delegated was I saw I stopped doing payroll. I stopped answering a phone call. I stopped doing all of that stuff. Like literally two years, two years, one day I stopped doing it all. And I hired somebody to do all of that stuff. Literally. It felt like I said, it felt invigorating. It felt like I'm like, man, I made it. You know what I mean?

Tiffany (23:40)

And how did that feel?

Yizreel (23:48)

Literally, think that's the one I thought I made. I'm like, hey, I'm here. I'm with the big guys now. You know what mean? Like, I got this going good. These people They're able to provide for their families. I'm able to provide for my family. They're able to spend time with their kids more. Like, hey, we're here, guys. Let's go.


Everybody that I had on my team when I first started and everybody that was just, you know what I mean, working for me then, they were like, we believe in you. And those guys are still with me now.

Tiffany (24:21)

That's awesome. Yeah, I love that. Because I think a lot of small business owners, if they're really small or just starting out, they don't really call themselves small business owners. I didn't. I had a freelancing business, and I didn't really call myself a business owner for a long time. So I think it's important to give yourself credit. You're doing it. Yeah. Yeah. Exactly.

Yizreel (24:32)

Yeah. Agree. We're here. All right.

Tiffany (24:43)

So when you were first scaling up, you kind of talked about this already, was there anything that unlocked bigger opportunities or multiple things?

Yizreel (24:57)

Yeah, yeah, no. So when I got to 10 vehicles, a lot of stuff on lock. So I got a contract with Gateway Technical College. I got a contract with a transportation company where we do all their deliveries on our box trucks. So you had to have a certain amount of vehicles to even be considered to even let them want to give you a contract. You need to have a certain amount of vehicles or certain amount of trucks. And when I got to that number, now I'm not just picking up this person, taking them to a wedding or taking them to this, but now I'm doing colleges and universities and stuff like that, KUSD. So I do all of Kenosha Unified Transportation.

You know what I mean? When I got those contracts, I was like, man, this is a different ball game. So like I say, it's different money. You know I mean? When you get those real contracts, once you actually are in business and you get those good contracts, you're looking at it totally differently now.

Tiffany (26:13)

Yeah, definitely. Yeah, feels like also probably more stable.

Yizreel (26:17)

Yeah.

Tiffany (26:19)

That's great. And then what parts of your foundation do you think led you to that point? So what had you put in place that helped unlock that moment for you?


Yizreel (26:32)

Yeah, I think just what helped me get to that was just hard work and dedication. Was not giving up. even when COVID happened and in the beginning of COVID, no transportation company could do any party buses, limos anything. We couldn't do nothing. So we had to find other ways because we couldn't pick up people.

So we had to find other ways to still bring in the money, still get these employees paid, still making sure that they had work. You know what I mean? And I think just the hard work and dedication and then me being able to pivot, me being able to, okay, cool, we're just people in the beginning. And now, of course, we're gonna do loads for the Yizreel when they're doing big constructions. And they need all the stuff hauled from the site to the trash somewhere. 

You know, we just started getting diversified and doing more things instead of people, cause now I can't pick up people. And even when COVID went away or when they lifted where we could start having a limited amount of people as long as they have face masks and all that stuff, my guy still felt cool. Hey, he's still got us work.

Tiffany (27:41)

Right.

Yizreel (27:56)

We couldn't do this. We couldn't do this. But he made sure he was an extra amount so we still had livelihood. But we still could pay our bills.

Tiffany (28:08)

Yeah, that flexibility is super important because you never know what's going to happen. That's awesome. That's really a smart pivot because you have the vehicles, you just need to move something.

Yizreel (28:12)

Yeah, something. People, property, whatever. He needs to have something moving on the road to get paid.

Tiffany (28:28)

Yes. That's great. Have you ever applied for funding? You said that you use funding for some of your vehicles. Can you talk about that, like the application process and any advice you could give people?


Yizreel (28:46)

Yeah. The biggest advice that I always give people when they're filling out applications, even if they're a startup business, depending on the field that they're in, you always have to give a projection of what you think your business could do. So when they ask for the revenue at a startup, you don't have revenue. But even as a startup to get funding, you can't put zero revenue.

You got projected what you think your company is going to do. And you got to use that based off of research. So you really got to do the research to know in your industry what a realistic year looks like for revenue. Also another thing on business funding applications and I won't say you can't, but they frowned upon the owner. So they want you to be more of a figurehead. So instead of being the owner of the company, they want you to have a title that's not the owner. You know what I mean? Funding-wise, owners are always red flags.

Tiffany (29:58)

Interesting.

Yizreel (30:06)

Versus if you put a vice president or if you put, something like that. And so it's key for funding and funding application, it's key.

Tiffany (30:11)

Okay, well, that's good advice. That's sort of insider knowledge that most people probably don't know. So what is your title on your applications?

Yizreel (30:21)

I'm the CEO, but on my, so if I'm filling out an application, I'm the vice president. They want you to have a paid position. They, they, everybody thinks owners don't get paid. You own the business. So they're like, you don't get paid. They would have a paid position so we know, you know, and that's what, that's what it is.

Tiffany (30:37)

Right. That makes a lot of sense. That's really interesting. Did you have any fears or hesitations before you applied for funding?

Yizreel (31:00)

Yeah, I wasn't going to get it. You know what I mean? No, that's always the biggest fear. Like, Hey, am I filling this out right? Am I wasting my time? Am I going to fill this out? Not get it, but get a ding on my personal, get a ding on my business credit. You know what I fill out any application, whether it's a credit card application, whether it's a home loan, you know what? You always got that fear of what if I don't get it.

Tiffany (31:03)

Yeah.

Yizreel (31:31)

What can I do if I don't get it? What's my next step? Because you might not get approved. So you gotta always know another way or have another resource to still be able to do what you're trying to do as a business.

Tiffany (31:46)

Yes. Yeah, the fear of rejection is strong. I understand that. final question. Do you have any final advice, like final words of wisdom for small business owners who are just starting out?

Yizreel (31:50)

Yes. So just make sure your business is set up right. Make sure you have it registered right. We all know there is big red flag industries in funding period. So you got to make sure you know which NAICS scores, NAICS numbers are fundable.

Some aren't fundable, period. No matter what you do, if you're in the high-risk industry, you're not gonna get funding. but some people still wanna work in that industry. So now you need to know what you need to do to still be able to qualify for funding in those high-risk industries. And it's as simple as being a consultant for that industry.

Tiffany (32:31)

Right. Interesting.

Yizreel (32:55)

So transportation is a high risk industry, period. Yeah, yeah. So transportation is a high risk industry. So to become fundable as a transportation company, I have to be on paper a consultant of transportation companies. Because now I'm a consultant and not a transportation company technically. So it's all about knowing the knowledge that you need.

Tiffany (32:58)

I didn't realize that. That makes sense.

Yizreel (33:24)

So you can get funded.


Tiffany (33:25)

Yes. Yeah. And did you have any resources that really helped you out to figure those details out?

Yizreel (33:32)

Yeah, I mean, so it's like you said, the resources are everywhere to get it. You could look online and it'll tell you which industries are high risk industry cannabis, adult entertainment, transportation. You know what I mean? Like there's tons of high-risk industries that, even if those are what you want to get into, it's just the way it's the work around you have to do to seem to be fundable. 

But a last note that I would say for business owners or small business owners that's starting off and that's trying to, you know, me do it on their own is start with Nav. Like they help. I mean, it's a key. It's a key.

Tiffany (34:19)

We did not pay you to say that. That's amazing.

Yizreel (34:26)

Like I say, Nav has been a great instrument in several of my businesses. So I have the same Nav Prime card for more than one business. So I'm a real advocate of Nav, you know what I mean? It helped out tremendously. It boosted my personal business score tremendously. And there's a lot of resources. And I think right now at this time, what you guys are doing for the industry is just really helping out, is really putting that focus to small businesses and is really letting people know, hey, you could do this. And we got your back.

Tiffany (35:15)

Yes. Yeah. Well, I'm so glad. That makes me so happy because we work very hard at it. That's very cool.

Yizreel (35:19)

Of course, it's good. No, I said I enjoyed it. And you know what since Nav got into my life, it's been great.

Tiffany (35:33)

That's fantastic. All right. Well, thank you so much for talking today. This, I think, has so many nuggets of wisdom and information for people listening. Nobody's in it alone. Small business owners all deal with the same stuff.

Yizreel (35:35)

Yeah, for sure. No, for real, it's a… and we just gotta start thinking of the small businesses as a community itself. As long as we hold each other up and have each other's back, we could do it. You know what I mean? We could turn from being a small business to a big business, but still a small business in our community.

Tiffany (36:15)

Yes. Yeah, I mean, doesn't mean you have to be small in revenue. All right, thank you so much for talking with us today. It's been such a pleasure.

Yizreel (36:19)

Yeah, yeah. It was a pleasure.