Can you clarify your question? The way I’m reading it, you’ve been speaking with loan brokers but are concerned that they don’t actually have capital to lend. If so, that’s generally how the model works. A broker or financing advisor typically isn’t the lender, their job is to help connect you with lenders and, depending on the firm, help you navigate the financing process. Here’s how I think about the market, although I’d be interested to hear from people closer to it: 1. Self-service lender-matching platforms — GoSBA, Cerebro Capital, SBA Lender Match, Swoop, and similar services. You provide information about your deal and financing needs, and they help match you with potential lenders. Fairly straightforward. 2. Full-service loan brokers / financing advisors — firms such as Viso, Pioneer Capital, MultiFunding, and others. These tend to be more white-glove. They help you understand the process, make sure you have the right documentation, assess whether the deal is ready for underwriting, answer questions, identify appropriate lenders, and then help you evaluate and compare financing options. So I wouldn’t necessarily view the fact that a broker doesn’t have its own capital as a problem. The bigger question is what value they add between you and the actual lenders. I'd love to hear from ^redacted‌ and ^redacted‌. Is my understanding correct?