Joseph Kimbrough

Managing Partner, Baruk Capital Group.
Capital structuring for commercial real estate and business owners nationally.

[Joseph Kimbrough @kimbroughjoseph]

Most people have never heard of daily ACH financing.

Yet millions of small businesses rely on it for working capital.

Here is how merchant private credit actually works.

[Dear Son. @DearS_o_n]

NETWORKING IS CRAZY MAN. You can literally get rich by meeting the right people.

[reggie mills @MillsReggie]

Sit at tables where they talk about God, ideas, growth, money, dreams, and goals. Not people.

[Alex Hormozi @AlexHormozi]

When asked for the secret to success, I think the most underrated and overlooked strategy is trying really really really hard for a very very long time.

Works for everyone I know who’s done it.

[Tom Ferry @tomferry]

You don't need a new plan.
You need to finish the one you already have.

[Dear Son. @DearS_o_n]

As a man, make money. Make a lot of it. Money will save you from a lot of disrespect.

[Gary Vaynerchuk @garyvee]

Stop being scared. It's killing you.

If you were scared to swim, the only way to fix it was to swim.
If you were scared to ride a bike, the only way to fix it was to ride a bike.

Action eliminates fear. Always has.

[Joseph Kimbrough @kimbroughjoseph]

@Codie_Sanchez I definitely keep their face off the internet. I’m pretty private in general though.

[Codie Sanchez @Codie_Sanchez]

Incredible truth from Elon Musk: "Go get your fucking confidence back. Without it, you'll fail miserably no matter how skilled or smart you are."

[Codie Sanchez @Codie_Sanchez]

Nobody teaches you this but you don't get rich by saving.

I've never made a budget in my life. Every time I needed more money I just focused on stacking skills that let me charge more.

Unpopular truth → Poor people budget, rich people earn.

[Joseph Kimbrough @kimbroughjoseph]

@mike_h1990 That’s good to hear. 💯

[Joseph Kimbrough @kimbroughjoseph]

@WillColeman31 I would say it’s because they see the opportunity in refinancing larger loans out of the private credit/direct lender debt they’ve taken on. They can charge a lower interest rate also that is still profitable for them so why wouldn’t they. They’re not doing this for LMM though.

[Joseph Kimbrough @kimbroughjoseph]

Private credit lending shrank 14% in Q1. Bank lending to companies grew 12.7%, the fastest since 2022. Two different stories are being told at once.

[Joseph Kimbrough @kimbroughjoseph]

@bethanyjbabcock 😂😂

[Joseph Kimbrough @kimbroughjoseph]

Locked into 6 year direct lending paper priced in 2023? You’re stuck holding it while banks reprice the top of the market. Short duration means every maturity is a fresh repricing decision.

[Joseph Kimbrough @kimbroughjoseph]

Banks didn’t leave the lower middle market because rates moved. They left because of capital requirements and centralized underwriting. That doesn’t reverse when a mega funds spreads compress.

[Robert Griffin III @RGIII]

We all need God.

[Joseph Kimbrough @kimbroughjoseph]

@pallnandi They’re basically America but in Africa.

[Joseph Kimbrough @kimbroughjoseph]

@GrantCardone I had my first at 30 and wished I had one sooner. Everything is in the timing of the Most High though so if you had yours later that was the time for you to have them.

[Codie Sanchez @Codie_Sanchez]

Never refriend someone back in your life who has tried to ruin your reputation, finances, or integrity.

Tigers do not change their stripes.