From Ad Tech to Entrepreneurship: Building a Purposeful Business with Chris Contreras

Erik  00:00

Did you hear me? All right, sorry, yeah, I was just telling Alexa. Alexa shout so, all right, so we're recording right? Kerel, yeah,

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Kerel Cooper (Zoom)  00:16

uh, we are recording Excellent,

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Erik  00:19

okay, on three we want to welcome all of our listeners to another episode of MRP, Minority Report podcast with Erik and Kerel. Each episode, we talk with real operators and leaders in media, tech and business, and we're excited. We've got a good friend, a really good friend of the show, Chris Contreras, who's the Managing Director of funding supreme. Hey, Chris, welcome back. How are you? I'm doing

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Christopher Contreras  00:49

really well. Thanks for having me again. Welcome back

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Kerel Cooper  00:51

for the third time.

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Erik  00:53

3p 3p

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Christopher Contreras  00:56

I'm a 3p unlike LeBron was when he was with the heat. So we'll keep it at that

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Erik  01:02

excited to have you back, because I think a lot's happened. It's been a exciting year. Been a been a busy couple years, but would love to know what you're up to, especially these days with with funding supreme. So So tell us about funding supreme. Yeah,

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Christopher Contreras  01:21

definitely. So I'll give a little bit of a cursory view into, like, what's happened in the last two years almost I left the technology scene. So last I was on your podcast, I was the chief customer officer at Mountain, and decided to start, you know, my own kind of journey, and starting a couple of companies. My main focus right now is funding supreme. But I do own two other businesses with my business partners. One's in the Econ space called da gas helps. It's a destination for folks who like to smoke vapes. Believe it or not, I don't smoke myself, but there's a huge market in the US for that. The other one was DIY, credit.ai which is a self sustaining platform, and it definitely had started the impetus for funding supreme, which was our number one focus and has been our number one focus the last and I would say almost it's going to be a year now, in like, two weeks, since we launched, officially launched a business. So from a business perspective, I just remember, like, going back in I remember sometimes when I've come on the podcast here, I mentioned, like, technology taught me how to be a problem solver. And, you know, the businesses I've worked at taught me how to solve those problems for businesses, and I felt like there was a huge gap when I started my own business and trying to figure out, like, how do I what capital do I use? Do I use my personal savings? Do I put these on my credit card, on my personal credit card, with the mindset of thinking that me starting my own business, I can't get credit for that business yet. And lo and behold, you know, fast forward probably like 10 months from when I started DIY credit with my business partner, I was actually able to secure a $40,000 American Express 0% interest card for 12 months that fully funded the build out of the DIY credit platform, but it also gave a kind of like, turned on a light in my head and my business partner's head is like, if we can harness the ability of your credit profile to help a small business, kind of go and propel their their growth path, Either it's through inventory purchasing and giving them, like, a 12 to 18 month runway. That's kind of like the nucleus of how we got started with funding supreme. So that business, you know, it'll be a year now, in two weeks, and to be honest with you, in the first year, we surpassed a million dollars in revenue. And it's, you know, it's not common. I'm not saying that this is a common kind of path and growth path for small businesses, but it is something that we've I definitely honed in a lot of my learnings in the tech sector. I built our own platform, and I'll talk about that a little bit. You know, I built our own database and our front end that our team uses myself, not through outsourcing it through anybody else. A lot of that goes back to my days as a database administrator, Administrator, before I went into leadership. But, yeah, no, it's, you know, we started messy. We're hungry. And I don't think any successful business, including the ones you guys work at or work for, you know, were built when things were perfect, so that that's kind of like the mindset that I approach every day.

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Erik  04:46

Yeah, you know, it's interesting. I was just thinking about how you were describing your own sort of personal journey to founding and starting up and then accessing that capital. You know, I like, I like, a post that you had not too long ago, where you talk about how your goal was simple, right? Your your goal is to help small businesses compete with access to capital, yeah. What is the traditional route for folks that don't know how that goes? Yeah?

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Christopher Contreras  05:14

The traditional, I believe it or not, is they go into debt on their personal side, so they use all their savings so their family is kind of putting a tremendous amount of bedding into that idea, which I to be honest with you, I love that because, like, if you all your chips are in, you usually more motivated to make it work. But that doesn't necessarily mean that that business idea is a fruitful idea long term. So you're kind of playing with your tech of your life savings in that scenario. The other flip side is folks use their platinum Amex cards, all that stuff that looks that's a very good way to get yourself into high debt fast. From a perspective of like those cards you got to pay off every month. Yes, when you have a job and that's the and you can pay your typical expenses, totally fine. And then you get a you start a business, those expenses are significantly higher because the upfront cost is much higher. So a lot of folks tend to come to us and they're like, they're riddled in personal debt because they funded the inception of their business. Their business is doing well, but it's not doing well enough to circumvent the debt that is sitting on their personal profile. So it's limiting them from changing the car in six months because their lease is up or in this market, you know, there's a lot of folks who have been investing in low income housing and all these things to expand their investment portfolio, and they can't do that because their credit scores have tanked with a lot of the span that they put on their business and their personal profile. So part of what we do, and I'm not trying to sell, I'm just trying to explain a little bit, is we like to bifurcate, we gotta, we gotta keep personal expenses here and business expenses there. And that ultimately is the educational part that we come into every client is just educating them on that there's a capacity to make that happen sooner than you think.

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Kerel Cooper (Zoom)  07:06

Chris, well, first, congrats on on breaking out on your own and doing your own thing. I think it's, I think it's very exciting, super important, and I know it's a lot of hard work. So congrats on that. I'm curious to know, like, the stuff that you're talking about right now, about separating, you know, personal expenses from business expenses, not running up your own personal credit. How much of this Did you know before you got into the business, or was this all things that you learned along the way as well, too, as you're building the business. I

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Christopher Contreras  07:42

would say I knew, I knew about credit, because my parents always had good credit. And traditional household parents will tell you, even if you go back to what you guys were in college, like, your parents will tell you, like, you know, if you can't buy it with cash, don't put it on a credit card. Make sure your credit cards are paid off every month. Believe it or not, that's actually probably the wrong way to approach your credit. You always want to kind of pay it off, but leave a little bit of balance, because the banks need to know that you're yearning to use their credit a little bit, and you kind of keep a little bit there to like, like, the toll is a little bit in the water, and they don't cut off your credit line. So when we started the business, honestly, I learned a lot of this on the fly through making mistakes. You know, I purchased our domain, the email, I started the website development, and all that stuff on my personal credit. Luckily, I have an expansive amount of credit that it didn't impact me that negatively. And then I was like, let me just see if I can figure out how to get access to credit for this business. And I started just learning on my own, to be honest with you. And then my business partner, you know, who's a guru in the credit space, got into it as well. And then that's what led to starting this company. So it's it was definitely a trial and error, to be honest with you, because we were going down the path of what everybody else does, which is get into debt. The business was going to scale, for sure, we knew that. But at the time, we had started a business, and it was starting to ramp up. So I knew eventually I'll be able to manage the finances in a way that it would pay myself back. But like I said, it's it was a trial and error, and I think having experienced that for the six to eight months when we started the previous business, I realized that there was a gap, and the gap is educational, which is what a lot of the content that we post is. I'm not selling. I'm like, to be honest you, we have no ads running, and every client comes to a referral, like it's someone who either saw our content comes to us, or someone who's used us and is referring, uh, another client to us. Like the majority of everything we do is educational, because I feel like half the battle is understanding the space,

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Kerel Cooper (Zoom)  10:00

yeah, yeah, no, I hear you. And speaking of the content education, I mean, I see your content all the time, and I would say from as part of your transition from ad tech to what you're doing now, the type of content you put out has gone up tremendously in terms of, I think it's value, it's quality, it's education, but also, you know, your engagements, your number of followers, all that is through the roof. So can you, can you talk about the process of building a social following? Yeah,

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Christopher Contreras  10:36

definitely. You know, it hasn't been easy. I'm telling you, there's you like, we've carved out time in the week to shoot content. That's, that's what it's gotten down to it. And my consistent, consistency is what we saw work best. You know, specifically with my profile. The good thing is that I had a lot of followers before, not a lot, I would say, like around 16,000 before I started these businesses. And I'm over 100 like 118 or 119,000 now, so like I've grown in the last 18 months, you know, about 100,000 followers, right? And a lot of that is through constantly, you know, posting every day, figuring out the niche of the audiences that are attracted to my type of content. And my content is not for everybody, believe it or not. There's others in this space that you know cater to a different audience, and that's totally fine. You have to be accepting that you're not going to not not everybody's going to vibe with you, and that's totally cool. I'm good on that, on that front so and the good thing is that, like I have two other business partners, my business partner, Dimitri, who has his own following, and he's scaled his own businesses. He's, he's had multiple exits, starting his own business. He's never worked for anybody. And this guy's, you know, ran multi million dollar businesses, and I'm like, That's what I wanted, from a experience and a partner perspective, so that that helped a lot in that scenario. So we kind of balance each other on I have a lot of tech and big company, scaling experience from startup to publicly traded, but then also, like on the social side, I have a lot more exposure, having been in ad tech and being interviewed constantly and feeling comfortable in front of a camera and on a microphone that I I've helped them, kind of like, mold their their comfortability as well.

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Erik  12:20

That's great, Chris, I wanted to ask you, you know what it's like? Because I imagine you encounter a lot of founders, right? A lot of a lot of folks who who have a an entrepreneurial sort of drive. Maybe it's not their first time, or maybe it is their first time. But what's it like working with all of these sort of, like, new founders again,

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Christopher Contreras  12:43

yeah, no, look, I did get it. Number one, it's infectious, you know, I would say it's the proper, you know, word to use, or how I feel when I speak to someone who's starting their own business, whether it be a technology I've spoken to numerous tech, you know, startup folks who are not even like they haven't even thought about what their presentation is gonna look like for their PC funding, and even if they're gonna go that route all the way through to Mom and Pop pizza shop that's opening up in Jersey, in a small town in Jersey, so like my customer base expands from potential enterprise opportunity in like, three to four years as they scale to a person that's going to open up their first pizza shop like that. Literally, that's how, that's how my mind, kind of, like expands out and like focuses in, because both those customers or clients are very similar in their need, and they're very similar in how they got to us. So it is the utmost important to us to kind of, like, focus on, like, what they're trying to achieve, to see if we can help. And all of that starts with, like, can they get the capital right? I'm like, It's and I'm like, we're honest. We're straight shooters. Like my, it's funny because my Dimitri, or my business partner, always says, I'm going to tell you what you want to hear, what you have to hear, not what you want to hear. And it's, a Believe it or not, it helps, because we have some of the strongest relationships with these clients. Like, after they've gotten funded, we have, I just finished today, funding a client that was our first client. Well, she was like, number three, but she was our first client in the first week we started last year, and she's now doing year two of funding. So like that just gives you, like, that perspective. We don't disappear. We don't, like, get you something and say, Peace, like, obviously, this is not a tech. There's not a technology. So I'm like, I'm not, I don't have an account manager managing that person. I am the account manager, right? And we're reaching out, just checking in, and that's where, like, the customer success background kind of helps too. Yeah,

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Erik  14:35

I was just going to ask you a little bit about kind of the future, because now you have the ability to reflect on a year, reflect on not only the year, right? I think that makes it seem like this, you know, like we get to reflect on months, quarters, weeks, right? Because that's how it really is for, like a founder or like operating every day, right? That year is an eternity, but it also goes fast. So if you were thinking, you know about, you know, the near future, whether it's one year or two years away, where, where do you see and what would you like the business to sort of be doing and be involved in? What are some of the things that kind of get, get you excited for that?

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Christopher Contreras  15:15

So, you know, one of the things we've focused ourselves on recently, and I would say recently in the last like six months, is figuring out which clients like we do pro bono. So there's an aspect to what we do, because we charge, you know, consulting fee. It normally gets charged at the end of the sequence. We call it a funding sequence, so that once they get the capital, we kind of put our money where our mouth is. If we're able to get to the capital, we get we get you guys, the clients get funded. We get paid. It's all it's all from the money we were able to secure for that client. But then there's comes a case where you know the client is in a bind, and we feel like if we can help this client, we just know that the reciprocity is going to be tenfold, right? And it's not because the person has a large following anything like that. We just know folks who are business oriented, they've been business owners for a long time, so that's one of the one been one of our focus is like, how do we give back into the startup community, whether it's a local mom and pop shop or a person that is starting their own product line, and we have some of the best, like Shopify and E comm folks on the team that can help in that scenario. So that's been like, one of the areas, I would say, to answer that question. The other part is like, where do we see ourselves in the next 12 months? Is just adding more products to our toolkit, like we obviously we're helping businesses in their scaling phase, getting access to capital, etc. But then the next phase is, do they need merchant services and stuff like that? So now we start opening up, I would say the positive part of the business relationships that we're building, and that's, you know, kind of like what we're focusing on. Now, that's great,

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Erik  16:57

Chris, you've always, you've always recognized and given credit to the people that you're surrounded by. You've always, you know, sort of talked about the folks that help you too, in addition to your partners, who are some other sort of team members that are really important for your businesses. Yeah,

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Christopher Contreras  17:16

look, I think, from a business perspective, we have, you know, some very strong like, the interesting part is that the partners all are embedded in a specific area of the business. So, like, I focus on more the operations and the funding component. I build the relationships with the bankers. Dimitri does the sales and intake of the client. Alex, who's the other partner, does the profile prepping, in partnership with Esther and Diana and Carlos. And I'm like, like, it's legitimately six of us on in this in this company, and it's we're running like a well oiled, well oiled machine and still enhancing every day, like we're in the we're in the process of transitioning from, you know, fragmented Monday system that works for our like ticketing component to all be integrated into one platform, which I built inside air table. So like, the team also has been amenable to like change. And I feel like that's the part where you know you're going to start scaling at a different level and capacity when everybody is rowing in the same direction. And I look, I'm super appreciative of the team. I'm very excited about what this year has in store for us, specifically our clients. I'm like, because they're the ones who keep us motivated. You know, I get, you know, as we're talking right now, I have like, about 16 messages that I'm getting from clients, and that'll continue to scale through the evening. But you know, we're at that place where the more we enhance what we do, the better the engagement is, and then ultimately the team becomes a lot more responsible for the growth of the business. So that's the part that I'm probably like most excited about in the next 12 months. It's like folks on the team growing into bigger roles.

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Kerel Cooper (Zoom)  19:01

Chris, what does a good day look like for you? I

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Christopher Contreras  19:04

would say a good day. A good day is like when we get a couple clients, you know, funded. I would say that's probably like the most exciting, if you think about it through traditional, like tech lens. It's like when they ring the bell, when the sale happens at a technology company. That's kind of like our ringing the bell, except we already got the sale right, because we got the client in, but actually proving the concept of, like, what we get them, you know, on with and then pre and then get their profile ready, put them in front of bankers, get them the actual access to the capital. That, for me is, you know, a win. And it makes the day it worth fighting for every day. Like, sometimes I go to sleep, you know, and I disconnect from the computer at one in the morning, believe it or not, and I'm up every day. My daughter goes to school, so I'm up every day at 640 without an alarm, and we're back at it go to the gym right after I drop her off and and that's been like, kind of like, my cycle right now, I barely, I haven't I'm gonna, I'm not gonna lie to you, yesterday I watched, started watching a TV show my wife was the first time this whole year I've watched TV like, wow. And I'm like, and I'm a big sports head, and I might

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Kerel Cooper (Zoom)  20:09

say baseball just started, man, I

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Christopher Contreras  20:11

know I'm a huge sports fanatic, but if you ask me, I haven't watched a heat game since December. I haven't watched, you know, anything. I actually went to Eagles playoff game in Philly, because my business partners were like, Let's go. And I went. That was, like, the only football I watched since December. I'm like, in that capacity, it's just like, when you're in it, like in your you're hitting a good cadence. It's just, I'm like, I try to dedicate as much time to that so that I don't have to do that for a longer period of time. What's

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Kerel Cooper (Zoom)  20:43

the what? And you may have just answered this, but what's the biggest difference between being an executive at an ad tech company versus running your own business and financial services?

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Christopher Contreras  20:55

I would say, you know, it was funny because I was thinking about someone had asked me a very similar question last week, someone who reported into me, and now she got a new role as a VP of CS at a different at an ad tech company I used to be at. So that's why we connected. And I told her that, you know, I left the comfort of my keyboard, you know, behind, you know, leading a large global organization, you know, for the chaos of entrepreneurship, and I think I've never felt more in control of the destiny of and the destination of the ship that I'm steering, because I don't have to convince 13 people, including the board of like something that I hardly believe is the right move and I will live or die by that decision, which I did in my previous life, but it was, it always came with some adjustment based on someone's sentiments or feelings or, you know, etc. So I feel like that part, for me, is at the root of, like, what I enjoy the most right now is because I feel like there's a lot more control in the decisions I make, because it doesn't have to run up a flagpole for, you know, to folks that personally are not even in the business and, you know, which is fine. And don't get me wrong, I love the tech scene. I love, you know, boards that I've worked with and stuff, but it's just this is untethered, you know, kind of approach

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Kerel Cooper (Zoom)  22:20

100% in control of your own destiny, right, and living and dying by the decisions you make, right? And that's the buck stops with you, right? So Exactly, yeah, yeah, um, what's the, what's the one thing you want people to know about managing their finances and credit,

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Christopher Contreras  22:43

you know, I think so. The first thing I want folks to make and be 100% absolutely clear on is that your credit in the United States is paramount to your success in life like like and I know you hear this from and folks who pretend you're watching this are young, early in their career, and are splurging. I'm like, do not spend outside of your means, because you will spend your 30s digging yourself out of the hole you dug yourself in your 20s. And I'm saying that from a person who didn't dig themselves into a hole in their 20s and enjoyed their entire 30s. Now I'm 40, and now it's like I took it up a notch when I was 30. Now I'm taking it up a complete notch now that I'm 40, and I could do that because I've been financially free, from a perspective of, like, not being in debt to these creditors. Now on the in that same like statement, I will say, you have to use the credit to your advantage, right? So like you, you need to ensure that you're just spending responsibly, but that you're building relationships with these banks. When it comes to purchasing a car and you have a family member, a friend who's was in the military, is in an active military, have them give you access to open up a navy, a navy, federal account. I'm like, you'll be surprised how good these federal credit unions have rates for auto loans, mortgages. He locks right now, if you're young, or whatever age you are, like, try to see if you have a family member who can give you access to that because it'll be an unlocked cheat code in a year once you build that relationship. And I believe if folks focus on their credit and they don't have to learn everything in one night, like follow my Instagram, listen to our podcast. We also have a podcast called The Hustler circle, and that like, we just share learnings and we bring folks on who are either real business owners or folks who have actually benefited from the credit repair component have seen both sides of the positivity and the negative and the negative side as well. So that's, you know, I would say, you know, long but short way to answer your question. Kerel,

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Erik  24:56

Well, Chris, thanks so much. A lot happening. And great to hear from you. And I love to hear all the exciting things going on. A lot of our listeners and viewers love to stay in touch and reach out and get in touch with you. What are, what are some ways that they can find you and stay in touch with you?

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Christopher Contreras  25:11

I would say like, first, you know, my social is at Chris does credit. They can follow me there, and then from there, they can see, you know, we have at the hustler circle podcast. You know, folks want to hear from other business leaders in the space, and ultimately, you know, reach out if they want to, you know, if they want to message me on socials. I'm always active, so I'm happy to, kind of, you know, respond to anybody who needs, you know, some guidance I've helped, you know, the countless of people who've either worked for me or worked in the space with me, you know, fix their credit, which has been awesome, and then also get access to capital for their startups and their businesses as well. And I think ultimately, you know, you kind of focus on the drive, right? And that drive is, how do you excel and everything you're trying to achieve, and you can only do that if you keep learning from everything that you're exposed to. So either, if it's starting your own business, you know, scaling in your own current professional career, and we we chatted about this in the last podcast I was on. It's like, how do you create that career trajectory? But it starts with that individual and their ability to want to go outside of their comfort zone, whether it's reaching out to other leaders, or learning content, or learning a little bit more, or digging into like why they're in the position they're in, within their credit, for example, and not being afraid to attack that problem, which would then circumvent other things that probably ruffle up from that exposure that they have. So I think those two things combined, you know, are, you know, will be super helpful. So anybody who's interested just reach out to me at Chris does credit on Instagram, and I'm always available to, you know, to take a conversation. Excellent,

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Erik  26:58

excellent. Thanks, Chris. Good to see you, and thanks likewise.

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Christopher Contreras  27:01

Thanks everyone

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Erik  27:02

for listening to another episode. You can find a lot more episodes wherever you find all of your audio and video. Just search for a Minority Report podcast and look for the logo. Thanks again, everyone, and thanks, Chris. Cheers.

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Kerel Cooper (Zoom)  27:21

All right, nice.

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Erik  27:23

Good stuff.

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Kerel Cooper (Zoom)  27:24

Good stuff. Good one in the books. Yeah, another

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Erik  27:27

one. Look at that. Have

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Christopher Contreras  27:28

you got you guys gonna are you guys doing video podcast now? Well, we,

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Kerel Cooper (Zoom)  27:34

we take, yeah, I mean, it's still mainly audio, but what we will do is we'll take cuts of this recording and use it for promo. So, because I'm like,

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Christopher Contreras  27:45

Spotify now allows you to upload video too,

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Kerel Cooper (Zoom)  27:48

yeah, yeah, yeah. I saw that. I saw that. I saw that, yep, yep, yep,

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Christopher Contreras  27:53

yep, yeah. It might be worth testing, because we've seen since we started uploading the video content there, like, like, folks tend to watch it, which I thought they weren't going to, oh, really,

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Kerel Cooper (Zoom)  28:03

within the Spotify platform, yeah? Okay, that's not, which I

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Christopher Contreras  28:07

honestly didn't expect, to be quite honest, yeah,

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Kerel Cooper (Zoom)  28:10

no. I mean, people are just watching. People can't get enough video these days, like, yeah, you know, so, yeah, it's the, it's the Tiktok and Instagram reels effect, wow,

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Erik  28:25

man, I see my kids. I mean, they just like, yep.

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Kerel Cooper (Zoom)  28:28

I mean,

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Erik  28:29

I'm like, that's how you get to 8 billion videos in a month. Yeah. And the craziest things, like, there's one thing, if it's like, on their phones, but now they'll, they they want to, like, you know, vidcast the big TV and watch the same thing on the big TV, or load up and then just watch, like, snippets on the big TV. And I'm like, Man, this is crazy. This is crazy, you know, yeah,

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Kerel Cooper (Zoom)  28:53

yeah,

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Christopher Contreras  28:54

I'm not there yet. My daughter's only six. She's not, she doesn't watch TV. So

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Erik  29:00

you keep condensing it, you know, who knows what kind of Bite Size things it'll be now, because it just keeps shrinking, you know, yeah, yeah.

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Kerel Cooper (Zoom)  29:06

At some point, it'll, at some point, it'll, it'll hit, it's like, breaking point, and it'll probably swing back the other way at some point. Yeah, I

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Christopher Contreras  29:16

agree. I think the Bite Size content, like, you know, it's probably reached its apex, you know, in that scenario. Yeah. I

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Erik  29:26

mean, the weirdest thing is using the bite sized content to just create a long form piece, yeah, just done the long four piece all along. Right? So it's like, all those weird, hard cuts, you know, it's like, but you're still just trying to shoot a three minute video. But out of like, 15 second pieces. It's bananas. You know, I

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Christopher Contreras  29:42

feel like YouTube shorts is where I see, like, a lot of rough, like, shorts, you know, like, it's like, like, mid sentence, it gets kind you're like, can I go back? I mean, I click on the thing and I go watch the full video. I'm here. Like, maybe that's the strategy. But it was, like, so abrupt that I'm here. Like, this is actually really weird. Yeah,

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Kerel Cooper (Zoom)  30:02

yeah, yeah, yeah. Well, cool man. I gotta run. Gotta get, get do some family stuff. Always good catching up, Chris. We'll keep you posted on when we when we launched this, and then we won't be down in Miami and in in four weeks. So, yeah,

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Erik  30:20

yeah, Chris, you said you have, you guys are doing a podcast on entrepreneurship as well. Yeah, yeah. Hey, let's, let's talk offline here. So I'm hitting, this is our fifth year, so I started up in 2019 and just hitting five years, nice. It's interesting. We just have been doing a lot of sort of lessons learned, and along the way we built the 2/12 fastest growing company, and in our sector. So, that's awesome. Yeah, kind of, kind of fun stuff so let me know if you're looking for content or anything like that, maybe we'll yeah for sure. All right. All right,

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Christopher Contreras  30:55

yeah. Fellas,

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Erik  30:56

you got serious. Right. Later.

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