With more than 15 years of industry leadership experience, we are now offering you our best tools
Rick Melero
Founder, HIS Capital Goup
Our mission is to empower our customers to master the art of making money like banks—earning through interest on loans made on sound real estate investments.
Under the visionary leadership of Rick Melero, our founder, and CEO, MicroBanking Method stands as a beacon for aspiring and seasoned investors alike.
This initiative is not a shortcut to wealth
Instead, it’s a sophisticated blend of learning, leveraging, and applying real-world systems, tools, and processes to identify and engage with qualified deals and borrowers, ensuring safety, efficiency, and profitability in the realm of real estate lending.
A revolutionary approach to real estate investing
MicroBanking Method, powered by the expertise and resources of Rick Melero and his team at HIS Capital Group, provides a revolutionary approach to real estate investing by offering individuals the knowledge and tools they to generate income through savvy lending practices, helping them to “become the bank” as they help real estate investors get access to the capital they need to succeed.
With more than 15 years of industry leadership experience, Rick Melero and his team are opening up their tools, processes, best practices, and more with this new and innovative brand. MicroBanking Method has a heavy focus on both education and the provision of cutting-edge technology and services.
Generate income through savvy lending practices
- Identify deals that fit your investment style and risk tolerance
- Discover and leverage tools in the private real estate lending world
- Develop an impressive website and utilize powerful sales funnels
Services
Industry Training & Insights
Tools & Tips
Sales and Marketing Technology
Done-for-You Sales Funnels
Done-for-You Websites
Marketing Automation Software
Done-for-You CRM Setup
Done-for-You Ad Creatives
And much more
Along with extensive training on using all of these tools for real estate lending.
Benefits of MicroBanking Method
Unlock the full potential of private real estate lending
Expert Guidance
Access to industry-leading expertise from Rick Melero and his team in the field of private real estate lending
Comprehensive Education
In-depth training on navigating and leveraging the real estate market safely and effectively
Cutting-edge Technology
Utilization of the latest sales and marketing technologies to optimize lending practices
Quality Deal Sourcing
Assistance in identifying high-quality real estate deals to invest in
Risk Management
Strategies and tools designed to minimize risks associated with private lending
Customized Solutions
Tailored sales funnels and marketing automation strategies to meet individual lending goals
Professional Growth
Opportunities for professional development through learning real-world systems and processes
Network Expansion
Connect with our community of like-minded professionals and potential borrowers
Increased Efficiency
Streamlined processes through the use of advanced CRM and marketing automation software
Enhanced Visibility
Development of an impressive corporate website and creative ad campaigns to elevate your lending business profile
Driven by a passion to serve others
Rick Melero
Meet our founder and instructor, Rick Melero, pronouced “Meh-lair-oh”. It rhymes with Dinero, of course, since he’s a successful real estate investor!
As Rick stated in a recent interview, “if you knew me as a teenager, you would have bet the farm that I would never make it in the business world.” Instead, Rick has thrived by using adversity to build a life he never dreamed of growing up.
Rick uses real estate as a vehicle to help influence and feed nations, inspiring others along the journey to realize and live their passions. Rick’s story picks up after dropping out of high school and getting kicked out of his home at the age of 17.
It Starts With Perseverance
Using his street smarts and resourcefulness, he was able to secure a 500-square-foot, unfurnished apartment, which was plenty of room for him and his bicycle.
After a year of cycling between two minimum-wage jobs, he landed what would eventually prove to be the launching pad for his career. But just as success started to manifest, a devastating blow led to a sudden detour off the corporate ladder and back to zero.
When the dust settled, Rick found himself as a youth pastor with hopes of finding his true calling while serving others. That period changed his life forever.
Today, Rick is a leading industry strategist, negotiator, advisor, mentor, and author.
As principal and founder of HIS Capital Group and various strategic alliances, he has guided his team in the acquisition and creative restructuring of over $600 million in assets and funded over $200 million in investor acquisitions.
With a genuine passion to serve others, he’s built a diversified investment portfolio based on proven, value-based strategies that have stood the test of time.
These platforms, including the recently launched Fund 4, offer turn-key investment opportunities for both novice and accredited investors designed to provide a profitable hedge against market volatility.
There is no one better to learn this industry from than Rick.
Generate income through savvy lending practices
- Identify deals that fit your investment style and risk tolerance
- Discover and leverage tools in the private real estate lending world
- Develop an impressive website and utilize powerful sales funnels
Frequently
Asked
Questions
How do I identify quality real estate deals to invest in?
To identify quality real estate deals to invest in, there are several strategies you can implement. Here are some tips:
Conduct thorough market research to identify areas with strong potential for growth and demand. Look for factors such as job growth, population growth, infrastructure development, and amenities in the area. This will help you target locations where real estate investments are likely to be profitable.
Build a strong network within the real estate industry. Connect with real estate agents, wholesalers, property managers, and other investors who can provide valuable insights and opportunities. Attend local real estate events, join investment clubs, and engage in online forums to expand your network.
Look beyond traditional listing platforms like the MLS and explore off-market opportunities. Off-market deals can often offer better pricing and less competition. Network with wholesalers, attend foreclosure auctions, and consider direct mail campaigns to reach motivated sellers.
Conduct thorough financial analysis of potential deals. Evaluate the property’s income potential, expenses, and cash flow projections. Consider factors such as rental rates, vacancy rates, property taxes, insurance costs, and potential repairs or renovations. This analysis will help you determine if the deal aligns with your investment goals and if it has the potential for long-term profitability.
Perform comprehensive due diligence on any property you are considering. This includes inspecting the property, reviewing property records, assessing the condition of the neighborhood, and verifying any legal or zoning issues. It’s important to have a clear understanding of the property’s condition and potential risks before making an investment decision.
Remember, these strategies are based on the teachings of Rick Melero and his real estate investing materials. It’s important to continue learning and adapting your approach as you gain more experience in the real estate market.
What training do you provide for using CRM and marketing automation software?
When it comes to using CRM and marketing automation software, it’s important to familiarize yourself with the specific software you’re using. Most CRM and marketing automation platforms offer training resources such as tutorials, documentation, and online support. Here are some steps you can take to learn and effectively use CRM and marketing automation software:
Take the time to explore the features and functionalities of the CRM and marketing automation software you’re using. Familiarize yourself with the user interface, navigation, and different modules available.
Many CRM and marketing automation software providers offer online resources such as video tutorials, knowledge bases, and user forums. These resources can provide step-by-step instructions and best practices for using the software effectively.
Reach out to the vendor’s support team if you have specific questions or need assistance. They can provide guidance, troubleshoot any issues you may encounter, and offer personalized training or demonstrations.
Look for online courses or webinars that focus on using CRM and marketing automation software. These resources can provide in-depth training and insights into optimizing your use of the software for real estate investing purposes.
Connect with other real estate investors or professionals who use CRM and marketing automation software. Join online communities, forums, or social media groups where you can ask questions, share experiences, and learn from others who have experience using these tools.
Remember, the specific CRM and marketing automation software you use may have its own unique features and functionalities. It’s important to refer to the software’s documentation and training resources for detailed instructions and guidance.
What are the benefits of having a professional corporate website for my lending activities?
Having a professional corporate website for your lending activities offers several benefits. Here are a few:
A professional website helps establish credibility and trust with potential borrowers. It showcases your professionalism, expertise, and commitment to providing quality lending services. A well-designed website with relevant content can instill confidence in borrowers and make them more likely to choose your services.
Your website serves as a platform to showcase your brand and differentiate yourself from competitors. Through design elements, messaging, and visuals, you can communicate your unique value proposition and highlight what sets your lending business apart. A strong brand presence can attract borrowers who resonate with your values and offerings.
Your website allows you to provide valuable information and educate potential borrowers about your lending services. You can explain your loan programs, eligibility criteria, interest rates, and any special features or benefits you offer. By providing transparent and comprehensive information, you can help borrowers make informed decisions.
A professional website can serve as a powerful lead generation tool. By incorporating lead capture forms, call-to-action buttons, and contact information, you can encourage visitors to reach out and express interest in your lending services. This enables you to capture leads and nurture them through your sales funnel.
Having a website increases your online visibility and reach. It allows potential borrowers to find you through search engines and online directories. By optimizing your website for search engines and implementing digital marketing strategies, you can attract a wider audience and increase your chances of connecting with qualified borrowers.
Unlike traditional brick-and-mortar offices, a website is accessible 24/7. Borrowers can visit your website at any time to learn about your lending services, submit inquiries, or access resources. This flexibility and availability can enhance customer convenience and improve the overall borrower experience.
Remember, these benefits are based on the teachings of Rick Melero and his real estate investing materials. It’s important to invest in a professional website that aligns with your brand and effectively communicates your lending offerings.
What strategies do you recommend for successful ad campaigns in real estate lending?
When it comes to successful ad campaigns in real estate lending, there are several strategies that Rick Melero’s teachings may recommend. Here are a few strategies to consider:
Before launching an ad campaign, it’s crucial to clearly define your target audience. Identify the specific demographics, interests, and behaviors of potential borrowers who are most likely to benefit from your lending services. This will help you tailor your ad messaging and targeting for maximum effectiveness.
Craft compelling ad copy that grabs attention and communicates the unique value proposition of your lending services. Highlight key benefits, such as competitive interest rates, flexible terms, or quick approval processes. Use persuasive language and a clear call-to-action to encourage potential borrowers to take the next step.
Incorporate visually appealing elements into your ad campaigns. Use high-quality images or videos that showcase properties, satisfied borrowers, or your lending team. Visuals can capture attention and evoke emotions, making your ads more memorable and engaging.
Utilize targeted ad placement to reach your desired audience. Platforms like Google Ads and social media platforms offer advanced targeting options based on demographics, interests, and online behavior. By placing your ads where your target audience is most likely to see them, you can increase the chances of attracting qualified borrowers.
Conduct A/B testing to optimize your ad campaigns. Test different variations of ad copy, visuals, headlines, or calls-to-action to identify what resonates best with your target audience. Continuously monitor and analyze the performance of your ads to make data-driven decisions and improve their effectiveness.
Ensure that your ad campaigns lead to optimized landing pages. Create dedicated landing pages that align with the messaging and offer in your ads. Optimize these pages for conversion by including clear calls-to-action, relevant information, and easy-to-use forms for potential borrowers to express interest or apply for loans.
What are the risks involved in lending my own money, and how can I mitigate them?
As a private lender, there are risks involved in lending your own money. It’s important to be aware of these risks and take steps to mitigate them. Here are some common risks and strategies to mitigate them:
One of the main risks is the borrower’s inability to repay the loan. To mitigate this risk, you can conduct thorough due diligence on the borrower’s financial situation, credit history, and investment plan. It’s also advisable to secure the loan with collateral, such as the property itself, to provide a form of security in case of default.
Real estate markets can fluctuate, and property values may decrease. To mitigate market risk, you can assess the local market conditions and trends before lending. Consider factors such as supply and demand, economic indicators, and the potential for rental income. Diversifying your lending portfolio across different markets and property types can also help spread the risk.
It’s important to comply with all applicable laws and regulations when lending your own money. Familiarize yourself with the legal requirements and ensure that all loan agreements and documentation are properly prepared and executed. Consulting with legal professionals who specialize in real estate lending can help mitigate legal and regulatory risks.
Interest rates can fluctuate, affecting the profitability of your loans. To mitigate this risk, you can consider setting competitive interest rates based on market conditions and the borrower’s risk profile. You may also include adjustable interest rates or periodic rate adjustments in the loan terms to account for potential rate changes.
When you lend your own money, it may be tied up in loans for an extended period. This lack of liquidity can be mitigated by carefully managing your lending portfolio and ensuring that you have sufficient capital reserves for unexpected expenses or opportunities.
Can you explain the process of using your sales and marketing technology in real estate lending?
We leverage sales and marketing technology to streamline our real estate lending process. Our technology allows us to efficiently reach potential borrowers and effectively market our lending services. Here’s an overview of the process:
We use our sales and marketing technology to identify and target potential borrowers who are actively seeking real estate financing. This technology helps us analyze data and market trends to identify individuals or companies who may be in need of our lending services.
Once we have identified potential borrowers, our technology enables us to reach out to them through various channels, such as email marketing, social media advertising, and targeted online campaigns. This helps us generate leads and capture the interest of borrowers who may be interested in our lending solutions.
Our sales and marketing technology includes lead management tools that allow us to track and organize leads effectively. We can prioritize leads based on their level of interest and engagement, ensuring that we focus our efforts on the most promising opportunities. We also use automated nurturing campaigns to stay in touch with leads and provide them with valuable information about our lending services.
Our technology streamlines the loan application and processing phase. Borrowers can easily submit their loan applications online, and our system automates the initial screening and evaluation process. This helps us efficiently assess the borrower’s eligibility and determine if the loan aligns with our lending criteria.
Throughout the lending process, our technology facilitates seamless communication and collaboration between our team and the borrowers. We use tools such as secure messaging platforms and document sharing systems to ensure efficient and transparent communication.
Our sales and marketing technology provides us with valuable analytics and reporting capabilities. We can track the performance of our marketing campaigns, measure the effectiveness of our lead generation efforts, and analyze the success of our lending activities. This data helps us make data-driven decisions and continuously improve our lending processes.
How do I create an effective sales funnel for my lending business?
Creating an effective sales funnel for your lending business is crucial for attracting and converting potential borrowers. Here are some steps to help you create an effective sales funnel:
Start by clearly defining your target audience. Identify the types of borrowers you want to attract, such as real estate investors, homebuyers, or small business owners. Understand their needs, pain points, and motivations to tailor your sales funnel accordingly.
Develop valuable lead magnets that offer something of value to your target audience. This could be educational resources, guides, checklists, or exclusive access to industry insights. These lead magnets will entice potential borrowers to provide their contact information and enter your sales funnel.
Create dedicated landing pages that showcase your lead magnets and capture visitor information. Optimize these pages with persuasive copy, compelling visuals, and clear calls-to-action. Make it easy for visitors to enter their details and receive your lead magnet.
Once you have captured leads, use email marketing to nurture and engage with them. Send targeted and personalized emails that provide valuable information, address their pain points, and showcase your lending services. Gradually guide them through the sales funnel by offering additional resources and building trust.
Consider offering free consultations or assessments to qualified leads. This allows you to understand their specific needs and provide personalized recommendations. It also helps establish a relationship and positions you as a trusted advisor.
Make the loan application process as seamless as possible. Provide an online application form that is easy to complete and submit. Streamline the documentation requirements and provide clear instructions to guide borrowers through the process.
Regularly follow up with leads to answer any questions, address concerns, and provide updates. Use CRM software to track and manage your interactions with leads, ensuring that no opportunity falls through the cracks.
Remember, these steps are based on the teachings of Rick Melero and his real estate investing materials. It’s important to continuously monitor and optimize your sales funnel based on the results and feedback you receive.
How does your service help in managing and nurturing leads for real estate investments?
Rick Melero’s course materials and website content emphasize the importance of lead management and nurturing in real estate investments. Here are some ways his teachings may help in this regard:
Rick Melero provides insights and strategies for generating leads in the real estate investing industry. His materials cover various methods such as direct mail marketing, online advertising, networking, and referrals. By implementing these strategies effectively, you can attract potential leads for your real estate investment opportunities.
Rick Melero emphasizes the importance of qualifying and screening leads to ensure they align with your investment criteria. His teachings provide guidance on evaluating leads based on factors such as financial capability, motivation, and property suitability. This helps you focus your efforts on leads that have a higher likelihood of converting into successful real estate investments.
Nurturing leads involves building relationships and maintaining regular communication. Rick Melero’s materials emphasize the importance of effective communication with leads, including timely follow-ups, providing valuable information, and addressing their concerns. By establishing trust and rapport, you increase the chances of converting leads into successful real estate investments.
Rick Melero’s teachings may touch upon the use of Customer Relationship Management (CRM) and automation tools to streamline lead management and nurturing processes. These tools can help you organize and track leads, automate follow-ups, and personalize communication. By leveraging technology effectively, you can manage and nurture leads more efficiently.
How can I leverage your services to grow my real estate lending business?
Rick Melero’s materials and services are designed to assist and fund experienced and aspiring real estate investors, including lenders like yourself. Here are a few ways you can leverage his services to grow your real estate lending business:
Rick Melero’s network and lending arm provide opportunities to connect with experienced and successful real estate investors. By partnering with these investors, you can lend capital to them and earn interest payments as cash flow. This allows you to leverage their expertise and track record to grow your lending business.
Rick Melero’s course materials and resources offer valuable training and education on real estate investing and lending. By deepening your knowledge and understanding of the industry, you can make informed lending decisions, identify profitable opportunities, and mitigate risks. This knowledge can contribute to the growth and success of your lending business.
Rick Melero’s network of investors, analysts, and leaders provides opportunities for networking and collaboration. By connecting with like-minded professionals in the real estate industry, you can expand your reach, learn from others’ experiences, and potentially form partnerships or referral relationships. These connections can contribute to the growth of your lending business.
By leveraging Rick Melero’s services, you may gain brand exposure and credibility within the real estate investing community. This can attract potential borrowers who are familiar with Rick Melero’s teachings and trust the quality of his network. Increased brand exposure can lead to more lending opportunities and business growth.
Master the art of
making money
like banks do
- Identify deals that fit your investment style and risk tolerance
- Discover and leverage tools in the private real estate lending world
- Develop an impressive website and utilize powerful sales funnels
Have questions? Get in touch!
Our team is happy to answer any questions you might have about MicroBanking Method, getting signed up or anything else you’d like to know.