We caught up with the brilliant and insightful Jarryd Loyd a few weeks ago and have shared our conversation below.

Jarryd, appreciate you joining us today. Can you talk to us about serving the underserved.

Yes, our business directly serves an underserved community—small and midsize businesses (SMBs), particularly those owned by minorities, women, and individuals in low-to-moderate income areas—who have historically faced barriers to accessing capital, wealth-building tools, and high-quality financial advisory.

Story:
A few months ago, we worked with a Black-owned trucking company based in the South Side of Chicago. Despite being profitable and having contracts in hand, the owner—James—had been denied funding by four banks. He didn’t have the pristine credit profile or collateral banks typically require, but what he did have was cash flow and a strong business model. James was stuck: unable to grow, unable to hire, and close to walking away from the business altogether.

That’s where we came in.

Through Rshare, our fintech platform, and Loyd & Co., our family office, we used AI-driven underwriting to evaluate James based on real performance, not outdated risk models. Within three weeks, we secured him a $250,000 working capital loan. That loan allowed him to buy another truck, hire two employees, and double his monthly revenue.

Why It Matters:
The traditional financial system often fails entrepreneurs like James—not because they’re not creditworthy, but because the system wasn’t designed for them. This matters because over 80% of net new jobs in underserved communities are created by small businesses. If we don’t invest in them, we’re not just leaving individuals behind—we’re stunting the economic growth of entire neighborhoods.

How Our Brand Serves:
We’re building the financial infrastructure for the next generation of underserved entrepreneurs:

Rshare connects SMBs to funding through embedded fintech and revenue-based underwriting.

Loyd & Co. provides long-term wealth advisory to help these business owners not just survive—but scale and create generational wealth.

And soon, through acquiring community banks and RIAs, we’ll embed capital access, investment tools, and financial literacy directly where it’s needed most.

Jarryd, love having you share your insights with us. Before we ask you more questions, maybe you can take a moment to introduce yourself to our readers who might have missed our earlier conversations?

My name is Jarryd Loyd, and I’m the founder of Loyd & Co. and Rshare—a fintech and financial services ecosystem focused on democratizing access to capital, wealth-building, and financial infrastructure for underserved communities and overlooked entrepreneurs. At my core, I’m a builder, a strategist, and a deeply mission-driven father who’s seen both sides of the wealth gap and decided to do something about it.

How I Got Started:
I grew up in Lincolnwood, Illinois, in a family that valued hard work, faith, and service. My journey has taken me through the worlds of athletics, finance, and entrepreneurship. I’ve been a student of systems—how they work, who they leave out, and how to redesign them to be more inclusive. The moment that changed everything for me was seeing how many talented, disciplined business owners—particularly from minority communities—were denied the funding and financial tools they needed to grow. I knew I could do something about that.

What We Do:
We’ve built an integrated platform that serves both sides of the financial equation:

Rshare uses AI underwriting and embedded fintech to help credit unions, real estate brokers, and small business owners access capital—without the outdated credit barriers.

Loyd & Co., our family office, offers high-touch investment advisory, legacy planning, and private banking services for first-generation wealth creators.

We’re also acquiring a Registered Investment Advisor (RIA) and pursuing ownership in a community bank—with the goal of reimagining what wealth and access can look like for the next generation.

The Problems We Solve:
We serve people who are often overlooked—those with cash flow but no traditional credit file, those building wealth from scratch, and those who are doing everything right but still can’t get a seat at the table. We bridge that gap with capital, strategy, and long-term partnership.

What Sets Us Apart:
What makes us different is that we’re not just a lender, not just an advisor, and not just a tech company—we’re a full ecosystem. And we’re unapologetically focused on economic impact. We’ve already underwritten over $850 million in loan volume, and we’re building toward $10 billion in economic influence over the next decade.

What I’m Most Proud Of:
I’m proud of building this platform from the ground up—not with shortcuts, but with conviction. I’m proud that my work has opened doors for business owners who’ve been locked out for too long. And I’m proud that my children will grow up watching their father build something that empowers others to do the same.

What I Want You to Know:
We are creating a new model of ownership and access. Whether you’re a founder, investor, advisor, or simply someone who believes in financial equity—we’re building this for you. Loyd & Co. and Rshare aren’t just brands—they’re vehicles for transformation.

Let’s move on to buying businesses – can you talk to us about your experience with business acquisitions?

One of the most significant acquisitions I’ve made is a fintech platform called Help With My Loan (HWML). It’s a commercial and residential loan marketplace that had already processed over $850 million in loan originations when we acquired it. I saw it as a powerful engine that could help solve a critical problem: the lack of equitable capital access for small businesses, especially those owned by underrepresented founders.

Why I Bought It:
I didn’t just buy a business—I bought a solution. Small business owners are the backbone of our economy, but they’re often rejected by traditional banks due to outdated underwriting models. HWML had a proven technology infrastructure that could match borrowers to hundreds of lenders within minutes, but it lacked strategic direction, brand development, and an economic impact focus. I saw the opportunity to merge that tech with my broader vision of building Rshare into the “Stripe for SMB lending.”

The Acquisition Process:
The process itself was both financial and relational. It involved:

Due diligence: We reviewed financials, tech infrastructure, regulatory compliance, and team capacity.

Deal structuring: I used a mix of cash, a seller note, and performance-based earn-outs, keeping the seller partially involved to ensure knowledge transfer and continuity.

Integration: We didn’t just buy the company—we integrated it into our broader ecosystem. That included rebranding, adding strategic hires, and building out our own underwriting layer with the support of our partner, Corl.io, a revenue-based financing engine.

We’re now scaling HWML under Rshare’s umbrella, white-labeling the technology for credit unions and residential brokers, and embedding it in underserved markets.

Let’s talk about resilience next – do you have a story you can share with us?

We were finalizing the deal to acquire HWML, a fintech platform that had already processed over $850 million in loan originations. It was a high-stakes move that required capital raising, negotiation, and strategic alignment. Everything looked good on paper—but a few days before closing, one of our core investors unexpectedly pulled out.

Suddenly, there was a funding gap, and we had 72 hours to fill it—or risk losing the entire acquisition. At the time, I was also managing multiple responsibilities: leading my team, building investor confidence, and being a present father to my kids. I remember sitting in my office late that night, exhausted and questioning whether I could actually pull this off.

The Resilience Moment:
Instead of backing down, I leaned into the pressure. I got still, recalibrated, and started making calls. I reached out to partners, mentors, and collaborators. I restructured the deal, personally guaranteed a portion of the note, and revised our operating model to stay lean.

By the end of the week, we closed the deal.

Contact Info:

• Website: https://www.theloydco.com
• Instagram: @jloyd.23
• Linkedin: https://www.linkedin.com/in/jarryd-loyd-39200014

Image Credits

Chicago Sun Times.