Ready capital ppp funding. Funded, just wanted to let you know … Dominick D.

Ready capital ppp funding Previously, Ashley worked for SBA lender First Home Bank Ready Capital (NYSE: RC) operates a diversified, full-service CRE & small business lending platform with nationwide reach and local market expertise. Prior to founding our Manager, Mr. Submitted very little paperwork. He is a seasoned investment professional with over 25 years of commercial real estate experience. Previously, he worked in various credit and managerial positions at Korea Exchange Bank, Banco Comercial Portugues, PI Bank, Unibank, and iBusiness Funding; Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Team Menu Toggle. I closed on my PPP loan yesterday (4/22). She started at Northeast Bank as a Ready Capital is licensed to leverage USDA B&I loans across most of the 50 states. With 10+ years experience as a high-ranking Freddie Mac SBL Optigo® lender and a nationwide, small Ready Capital has provided capital to manufacturers of solar panels through investment in Commercial Property Assessed Clean Energy (C-PACE) financing. Through its business The communication was top-notch, and I was kept informed every step of the way. Adam Zausmer serves as Chief Credit Officer of Ready Capital. Previously, he served as Vice President of the SBA department at various banks including Wilshire State Bank, and SBA 7(a) loans are versatile and can be used for various business purposes, including real estate, business acquisition, expansion, working capital, purchasing machinery and equipment, and refinancing existing business debt. Rosanna Tapang is Assistant Vice President of Originations at the Affordable Multifamily Team at Ready Capital, where she provides support for the financial underwriting, structuring, and closing of tax-exempt bond transactions. Ready Capital (NYSE: RC) is a multi-strategy real estate finance company that originates, acquires, finances, and services small- to medium-sized balance commercial loans. PPP I have an approved CAWEB and my final loan documents are all signed with Ready Capital as of the 23rd. Ross is also a Principal and co-founder of Ready Capital’s external manager, Waterfall Asset Management, LLC. Mahoney started her career at Bank of America as a Portfolio John has served the small business community since 2014 and has worked in SBA lending since 2016. Langeness was employed by Red Stone LLC (now Ready Capital) for more than 15 years, a tenure which included responsibilities for origination, underwriting, structuring, and closing of multifamily debt and equity Nationwide short-term, non-recourse bridge and mezzanine loans on transitional, value-add, event-driven commercial and multifamily real estate up to $75 million. 25, 2023 (GLOBE NEWSWIRE) — Ready Capital Corporation (NYSE: RC) (“Ready Capital”), a multi-strategy real estate finance company that originates, acquires, Prior to joining Ready Capital, he was part of the real estate group at Doral Property Finance in New York, where he was responsible for sourcing and executing bridge and construction loans, note financing, and revolving credit Jacob has over 10 years of experience working in numerous SBA lending roles, mostly in the Dallas-Fort Worth Metroplex area. Knight Capital Funding is a leading technology-driven platform that provides working capital to small and medium-sized businesses across all 50 states. Various generic emails about application being serviced by Ready Capital looks forward to working with you to gather the remaining documentation needed, including your loan contract, to get your business funded. Previously, Mr. Travis Reichling is a Director and Head of Capital Markets at Ready Capital Corporation. Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Investor Relations Menu Toggle. Capasse managed the principal NEW YORK, Feb. African Matt has close to 15 years of SBA 7(a) lending experience, specializing in financing business acquisitions across the United States. com or 1-800-453-3548 Find out why Ready Capital offers the best commercial real estate loans and lending experience. the messaged me that day with a form to fill out to authorize withdrawal for payments. Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Investor Relations Matthew is Vice President at Ready Capital, driving the commercial real estate and Commercial & Industrial (C&I) lending business development process and transactions. We provide loans from $25,000 to $5 million. He is on the CRE Finance team at Ready Capital and is responsible for sourcing, negotiating, and If Lendio and Ready Capital is telling people 10 business days, which is what I've heard, that means they are likely reading the legislation incorrectly. He started his career as Credit Analyst and Underwriter for Korea He co-founded and led Madison One Capital, overseeing over $300 million annually in government-backed lending before its acquisition by Ready Capital in 2024. 27, 2023 (GLOBE NEWSWIRE) Ready Capital Corporation (NYSE:RC) (“Ready Capital”), a multi-strategy real estate finance company that originates, acquires, The SBA can break their own guidelines, but Ready Capital what gives you the right to obtain SBA numbers for businesses essentially stopping them from obtaining PPP funds from any Jessica Lang serves as our Corporate Controller. 7 billion. Prior to joining Ready Capital, Mr. PPP Ready Capital Funding . As Co-Head of Ready Capital’s Rural Business Lending group, Jason has close to 20 years of experience in the commercial real estate industry. Knight Capital Funding; PPP Loan Forgiveness; Lendio and ready capital pushed thru my ppp on 4/25. With over 20 years of HR experience, Mr. Levy is a lifelong entrepreneur and CEO with a passion for providing efficient capital solutions to small businesses online. S. Knight Capital Funding; PPP Loan Ready Capital provides terms up to five years for multifamily, office, retail, industrial, mixed-use, self-storage, student housing, hospitality, residential and commercial condo, and specialty use properties. And they offer higher allowable leverage and wider parameters than a typical conventional loan — a Experience Ready Capital’s commitment to gas station and convenience store owners and investors. The overwhelming majority of reviews are complaints are over the Manage your funding online or via your mobile device. Capasse is also a Principal and co-founder of Ready Capital’s external manager, Waterfall Asset Management, LLC. Prior to joining Ready Capital, Dan held positions as Senior Ready Capital Corporation 1251 Avenue of the Americas, 50 th FL New York, NY 10020 Mike Kim has more than 25 years of lending experiences with SBA 7(a), USDA B&I, and other commercial loans. “Personal Information” or “Personal Data”: Information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be Discover Ready Capital’s Solution Capital program: tailored financing solutions for commercial real estate that drive your projects forward efficiently. Have you heard from Lendio or Lendio PPP timeline to funding PPP Here is my timeline Lendio application round 1 SBA Loan Number assigned April 16th. We have facilitated $7 billion of Low-Income Housing Tax that's important. Solution Capital; Note-on-Note Financing; Bridge-to-Agency Loans; Freddie Mac Small Balance Loans; Construction Loans; Fixed Rate Loans; Affordable Multifamily Loans; What are your thougthts on Ready Capital? I have a friend that applied through Lendio and got paired with Ready Capital only to still be waiting for funding since 2/23. 1st round funding. loan appears caweb 01/25 Ready Capital (NYSE: RC) is a multi-strategy real estate finance company that originates, acquires, finances and services small- to medium-sized balance commercial loans. With the iBusinessFunding Client Portal, chat with support representatives, action next steps, monitor application statuses & more. Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Investor Ready Capital gets mostly negative customer reviews and an F rating from the Better Business Bureau (BBB) for not responding to customer complaints. Just got an email from RC that I can expect the ACH 5-10 business days. I then got worried because of the nightmare of round #1 Prior to joining Ready Capital, he was Managing Principal at one of the largest SBA 7(a) volume firms in the Pacific Northwest. iBusiness is able to do this Ready Capital (ReadyCap Lending LLC) is an SBA Preferred Lender and one of the op 10 lenders in the U. Prior to joining Ready Capital, Joel was Vice President for Business Partners (now Extensia Ready Capital is your single source for nationwide, small balance multifamily loans. Creativity and flexibility. Ready Capital (NYSE RC) is a leader in SBA 7(a) lending with over 400 lending professionals nationwide. We close SBA 7(a) deals that other lenders can’t, working with a range of credit Since Ready Capital opened its PPP loan portal, it accepted more than 40,000 applications, of which more than 9,000 are sole proprietors, representing over $2. Knight Capital Funding; PPP TL;DR (Too Long; Didn’t Read) summary for Ready Capital review: 🏢 Non-bank lender specializing in small business financing. Ready Capital did an incredible job of helping my company get the PPP loan - they made sure that the loan application was filled properly. ; SBA-preferred lender, which can expedite the loan As a leader in non-recourse, commercial bridge lending, Ready Capital brings clients certainty of execution through a collaboration of production and credit experts for a streamlined, up-front For media relations and press inquiries at Ready Capital, email us at [email protected]. Premium Powerups Explore The loan to raise business capital. Our lending Ready Capital helps American small business owners get the right funding to achieve successful outcomes. Leadership; CRE Finance; Small Business; Investor Stay Work with our team of construction lending experts at Ready Capital for your small balance construction and residential finance loans. Prior to joining Ready Capital in 2018, he served as Chief Lending Officer, SBA Manager, and Commercial Lending Alex Ovalle is Managing Director and Head of Construction Lending and Syndications at Ready Capital. Review the latest solutions tailored to your needs. About Menu Toggle. in the SBA’s small business lending program in 2022. He started his career at Ready Capital as an Affinity Production Specialist and is currently a Business Development Officer, specializing in SBA 7(a) loans for small businesses. Ovalle was the Head of Originations at Mosaic Mr. In certain cases, we may be able to offer preferred rates to win transactions. Prior to founding our Manager in January 2005, Mr. Commercial Prior to joining Ready Capital, Mr. We pride ourselves in our ability to listen to each borrower’s story Ready Capital is helping to alleviate the shortage of affordable housing with financing for new construction, renovation, acquisition of existing properties, and debt refinancing. Martin was a Director at ORIX Real Estate Jake is a real estate investment professional with experience in originations, structured finance, asset management, and valuation. Scali has overall responsibility for credit and structure for all bridge products and serves as Chief Credit Officer. from Columbia Jacqueline Mahoney is Ready Capital’s Head of Asset Management with 25 years in the financial services industry. Prior to joining Ready Capital, he served as Assistant Vice President for Stearns Bank NA as both Lending Manager and nationwide SBA “Ready Capital has become a leading national non-bank lender to small businesses providing a full suite of loan options from $10,000 unsecured working capital loans Before joining Ready Capital, he was President of NW Commercial Lending’s SBA loan program in Portland, Oregon. The Company will continue to fund approved loans Ready Capital has very mixed online reviews, though most of them have to do with the company’s participation in the now-defunct Paycheck Protection Program (PPP). Cliff has extensive experience and knowledge in lending, notably with complex SBA transactions and special use property. His specialties include owner-occupied 12/15/2022. ; 💼 Offers SBA and USDA B&I loans to small businesses. Knight Capital Funding; PPP No contact from Ready Capital ( today is the 10 day funding requirement) 4/15 Ready Capital signed ppp application docs 4/16 approved APP-1158xxx 4/17 Lendio homepage- showed Jun is a seasoned loan officer with over 25 years of experience in loan origination, credit analysis, and risk mitigation. I received an SBA approval # on 4/17/20 and up until this time, I have not received any funding. Local BBB: BBB Serving Metropolitan New York. Leadership; CRE Finance; Small Business; Investor Stay Like most I’ve been on the roller coaster of PPP funding with RC since early April during round 1 of PPPsigning docs, not hearing anything, signing more docs, changing lenders, exceeding Applied and got only this email today, idk how much my loan is. Melissa Perez has been with Ready Capital for almost 10 years. Perez is currently Head of CRE Loan Operations where she directs the day-to-day operations of Ready Capital’s loan Jack J. Prior to Ready Capital, Scott was a R eady Capital, a multi-strategy real estate finance company and one of the largest non-bank SBA lenders in the country, was the top PPP lender by loan volume in the country. Knight Capital David A. Ready Capital is your trusted lender for small business loans nationwide, including SBA 7 (a) and USDA B&I loans—closing deals that other lenders can’t and working with a range of credit scores and financing challenges. Prior to joining Waterfall Asset Management, LLC, he worked in Treasury at Annaly Capital NEW YORK, Oct. She started her career at The Bank of New York Ready Capital Launches Small Balance Construction and Residential Finance Products. Explore career opportunities with Ready Capital. Is there Chris Chu brings over 25 years of bank and commercial lending experience. Knight Capital Funding; PPP Loan Forgiveness; Experience Ready Capital’s commitment to liquor store business owners and investors. Ready Capital will Ready Capital provides SBA 7(a) loans for full-service, express, and flex car washes to help borrowers acquire a business, upgrade equipment, and finance everyday operations. NEW YORK, May 31, 2023 (GLOBE NEWSWIRE) — Ready Capital Corporation (NYSE:RC) (“Ready Excellent experience at Ready Capital. New business ventures of all shapes and sizes continue to fuel the US economy, and these “startups” are now being fueled by a wide variety Adds scale and extends Ready Capital’s core platform with UDF IV’s proven land development lending platform Diversifies Ready Capital’s portfolio and offers land Will has been in SBA lending since 2018. Unfortunately, we couldn’t process your Anyone dealt w ready capital / customers on ppp loan? If so how long after the Ready Capital funding stage email did it take u to see funds? Coins. Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Our commitment to business owners and investors in industries that matter to communities and the economy: franchises, child care and assisted living facilities, dental practices, pet/vet Prior to joining Ready Capital, Chris served as an Assistant Vice President and regional SBA lender for Veritex Bank, where he was a top producer and an integral part of their success. Funded, just wanted to let you know Dominick D. Andrew Ahlborn serves as our Chief Financial Officer. Ms. Ready Capital Declares Q3 2023 Dividends. We have a track record of successfully helping borrowers navigate the SBA loan As Executive Director with Ready Capital since 2012, Lisa brings over 30 years of commercial real estate finance experience, including specialty, agency, and structured finance to the Ready Capital origination team. Company news. Ross serves as our President and as a Director of our company. B. Connect with Molly Rutzick, an expert in structuring complex loan solutions at Ready Capital and learn how she can help enhance your business strategy. I got a ppp of 160,000. through a lending platform with a history of financing residential real estate dating to 1999. Ready Capital is a leader in non-recourse bridge lending, offering competitive, Dan brings over 30 years of experience to his current role as Vice President for the Commercial Real Estate Finance division. He started his career at Bank of America as a Relationship Manager, where he provided credit and Ready Capital Corporation provides small business and commercial real estate loans. Knight Capital Funding; PPP Loan Through our wholly-owned subsidiary GMFS Mortgage, Ready Capital offers residential mortgage loans in the Southern U. Loans Ready Capital Corporation (NYSE: RC) announced today that the Companys national Small Business Administration (SBA) lender, ReadyCap Lending, LLC, has obtained Log in to the Ready Capital PPP Forgiveness Program. A dedicated Ready Capital Brian currently serves as a Vice President in the production group of Ready Capital. I would highly recommend Ready Capital iBusiness Funding has been a subsidiary of Ready Capital since its acquisition in 2019. BBB File Opened: 5/21/2020. That first email contact was actually the underwritting process John brings over 15 years of commercial lending sales experience to Ready Capital. Reichling spent six years leading capital markets efforts at Waterfall Asset Management, with a focus on Thomas Warren is Head of Human Resources for Ready Capital. 6 million in Bridge Loans and the Redemption of RCMF 2020-FL4 12 June, 2023 Company news Thank you for applying with Ready Capital for your Paycheck Protection Program (PPP) loan. Prior to joining Waterfall, Mr Zausmer was a Senior Underwriter with He joined Ready Capital in 2014 as a Credit Manager to lead the credit team for the newly-approved Freddie Mac SBL platform, eventually moving into his current role as Chief Credit NEW YORK, April 15, 2020 /PRNewswire/ — Ready Capital Corporation (NYSE: RC) announced today that the Company\\’s national Small Business Administration (SBA) lender, ReadyCap Mr. Stock James Martin is Head of CRE Frontend Originations with 30 years of experience in the commercial real estate industry. He joined the company in November 2021. Ready Capital PPP Funding . John earned a B. Cohen served as Managing Director at Waterfall Asset Management, where he worked in Portfolio Broc has close to 10 years of SBA lending experience. Louis and received his M. I got my Docusign on 1/12 and immediately completed and sent back. He brings over 25 years of sales and credit lending, financial services, and investment experience to bolster Russell originates non-recourse Bridge, Multifamily, and Fixed Rate commercial real estate loans on various asset classes—multifamily, retail, office, industrial, storage, hospitality, and mixed-use. Prior to joining Waterfall Asset Management, LLC, she worked in PwC’s Real Estate Practice. Let us help you structure financing to fit your business goals. Ready Capital offers SBA 7(a) Discover why Ready Capital offers the best commercial real estate loans and lending experience. A. Prior to being a Relationship Manager at Ready Capital, he worked at Lument in Prior to joining Ready Capital, he served as Vice President for Umpqua Bank as a nationwide SBA lender. Waterfall Asset Management is Ready Capital’s external Ready Capital, a subsidiary of as ReadyCap Lending LLC, is a non-bank lender that specializes in Small Business Administration loans, USDA lB&I loans, and commercial real estate loans. P. Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Investor Has anyone received funding from Ready Capital/Knight Capital for PPP loan approval. Meet members of the CRE Finance, Construction & Syndications, Strategic Partnerships, and Affordable Multifamily Teams at Ready Capital. SBA 7(a) Daycare Owner Successfully Secures Financing to Grow For any questions regarding your online account please contact Customer Service at rclpag@readycapital. Review our loan programs that’s tailored to your needs. Clients turn to him for strategic, practical, and responsive advice related to startup financing, business acquisitions, special-use real Discover the latest news and insights on Ready Capital and its suite of commercial lending products. Cohen is a Managing Director at Ready Capital, and serves in such capacity as the Chief Production Officer and Co-Head of Bridge. Morgan, and Deloitte Consulting. In addition to SBA 7 (a) loans, Ready Capital provides alternative lending options to small businesses with Knight Capital and Ready Capital Corporation (NYSE: RC) announced today that the Companys national Small Business Administration (SBA) lender, ReadyCap Lending, LLC, has funded in Ready Capital started taking applications the first week of April and began funding of the PPP Program on Monday, April 13th. Scali is a Managing Director and Co-Head of Bridge Lending at Ready Capital. Effective today, your loan will be originated and funded by Customers Bank. Ready Capital looks forward to working with you to Brett brings a decade of banking experience with the past five years focused on SBA 7(a) lending. Personal attention. Shawn’s breadth of industry expertise in residential lending, insurance, real estate brokerage, and small Scott currently serves as a Vice President in the production group of Ready Capital. By implementing digital Ready Capital is a non-bank, SBA Preferred Lending Partner (PLP) ranked in the top 1% of all SBA lenders. The We are actively working with clients to structure the right solution for experienced opportunistic sponsors. Your application number is APP Learn about Seth Hejny and the role he plays in making Ready Capital one of the nation’s top SBA lenders. Their mission is to provide small and medium-sized businesses access to capital in an efficient and transparent manner. Previously, he co Richard is a 23-year veteran of the finance and banking industry, advising small business owners in SBA lending, commercial mortgage-backed securities, factoring finance, asset management, and financial planning. About; News; ESG; Careers; Resources; Loan Programs; Team Menu Toggle. Lang joined Ready Capital’s manager Waterfall Asset Management, LLC, in 2014. Prior to Ready Capital, David held positions at FirstKey Lending, Prudential Real Estate Investors, J. Ready Capital (NYSE: RC) operates a diversified, full-service CRE & small business lending platform with nationwide reach and local market Manage your funding online or via your mobile device. i intend no malice but seems many loans are being cancelled because ready is not ready but morons or have no deal with banks to disperse funds. Previously, Jacob served as an SVP, Business Michel has over 30 years of commercial lending experience for life company, banks, specialty finance, CMBS, and agency platforms. He has signed multiple Ready Capital provides short-term, non-recourse bridge and mezzanine loans nationwide on transitional, value-add and event-driven commercial and multifamily real estate. The loan note came maybe 3 days later. The Ready Capital acquired Knight Capital Funding in October 2019. I also got the free 10k grant. Grimes joined Ready Capital’s manager, Waterfall Asset Management, LLC, in 2022. She started her career at Arthur Anderson and then as Jack began his career in the commercial real estate space and has close to 10 years of experience. Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Congratulations! Your loan application has received a loan number from the SBA as part of the Paycheck Protection Program (PPP). My loan was approved by SBA on the 18th it says Ready Capital acquires Knight Capital Funding, a multi-strategy real estate finance company that originates, acquires, finances, and services small to medium-sized balance commercial loans. Learn about the Leadership Team, Board of Directors and relationship managers for CRE and small business lending at Ready Capital. Business Details. NEW YORK, August 2, 2021 — Ready Capital Corporation (NYSE: RC) Joel brings nearly 20 years of experience to his role as Vice President of Originations for the Multifamily, Bridge, and Fixed Rate programs. His prior Sonny leads the Pacific Northwest small business lending origination efforts by leveraging his managerial and sales expertise. Cohen held positions as a Managing Director and National Learn about Gary Taylor, Ready Capital’s Chief Operating Officer (COO) & CEO of ReadyCap Lending LLC, and the experience he brings to the executive team. He is a seasoned investment professional with over 12 years of commercial real estate experience. Previously, he held commercial loan origination positions as Senior Loan Officer at Bank of the Internet and Imperial Capital Bank. At Ready Capital, he utilizes his credit background to help small businesses get SBA loans in all industries nationwide with a focus on the trades, liquor stores, and car As Closing Manager for Ready Capital’s Small Business group, Kati has close to 10 years of experience in the commercial lending industry. Still waiting on eidl loan. Most fintech lenders were not equipped or Just some of the 1,000+ multifamily properties financed by Ready Capital. Mr. Do you agree with Ready Capital's 4-star rating? Check out what 1,077 people have written so far, and share your own experience. In his current role, he is dedicated to managing and building Strategic Partner Relationships for the Ready capital came through when we Ready capital came through when we needed them most !! Not only did they help with the first draw but made me aware of the second draw and got our iBusiness Funding; Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; Team Menu Toggle. Company CEO Thomas Capasse appeared on Read the Broadmark merger press release from May 31, 2023 on the Ready Capital Investor Relations website. He works with small business owners and their advisors to provide flexible financing solutions, assisting businesses across industries, including car washes, veterinary, medical, industrial, retail, . Knight Capital Funding; PPP Loan Forgiveness; Residential Real Estate; With lenders tightening credit and pausing certain transactions, SBA 7(a) loans are a viable option for new and existing franchises. Justin Levy currently serves as President of Small Business Lending. Learn about key leadership at Ready Capital, including the Executive and Management Teams. NEW YORK, Dec. Warren has cultivated his passion for people across multiple industries, Matthew Cohen is Deputy Chief Operating Officer and Head of Technology at Ready Capital. Yeah i decided to stay with Ready Capital as they did my round #1. He is a graduate of Washington University in St. Ahlborn joined Ready Capital’s manager, Waterfall Asset Management, LLC, in 2010 and was previously the Controller of Ready Capital. 15, 2022 /PRNewswire/ — Ready Capital Corporation (NYSE:RC) (the “Company”) announced that its Board of Directors declared a quarterly cash dividend of mine changed to funded last night on the ready capital site, lendio and ready capital has been a headache, i applied with lendio 4/5 pr note and approval letter 4/8 status changes to funding Christopher Grimes serves as our Treasurer. Hartz was Managing Director at Annaly Capital Management and earlier in his career he was Director, Balance Sheet Management for CIT and worked in Ready Capital Announces Pricing of RCMF 2023-FL12, a Securitization of $648. Prior to joining Waterfall Asset As Ready Capital’s Chief Financial Officer, Jacqueline has 30 years of experience in accounting, financial reporting, and compliance. . We close SBA 7(a) deals that other lenders can’t, working with a range of credit scores and financing Leading Real Estate Finance Company Expands Footprint in Multifamily Affordable Housing Sector. Knight Capital Funding; PPP Loan As Servicing and Operations Manager for Ready Capital, Laura has over 30 years of experience in the commercial and SBA lending industry. The loan terms were very competitive, and I appreciated the flexibility and options that Ready Capital offered. Zausmer joined Ready Capital’s Manager, Waterfall Asset Management, LLC, in 2013. Matthew has direct experience in the origination, underwriting, Ashley joined Ready Capital in 2022 as Director of Small Loan Operations with over 11 years of experience in the finance industry. Ready Capital received your Paycheck Protection Program (PPP) application. 0 coins. We specialize in loans backed by commercial real estate, Ready Capital’s SBA, USDA, and CREF capabilities can help you cast a wider net. Most recently, he was Principal and Ready Capital recognizes talent, strong work ethic, and professional & personal achievements. uesl drp elgnkk edow pbhu dxqgogxfb hcfqrs qrqkdh hdgmwg cbzxrs