About OTRO Financial
Dedicated to helping businesses secure vital funding.
Our mission is to empower entrepreneurs, executives and real estate investors nationwide by providing flexible financial solutions — with options for most business situations, even when the bank has said no.

Meet the founder
Boyd Karren
Boyd founded OTRO Financial after a bank’s loan officer said no to his small business funding request, claiming his loan request was too small to be worth her time, and that she wouldn’t make enough commission on the deal to be worth her time. Boyd realized at that moment that he was not the only one frustrated by the lack of funding options for small business owners and determined he would help others find funding anwyay, even when banks have already said no.
He’s the author of four books about business funding, business credit and personal credit, including his signature book, When Banks Say No. He is a frequent presenter for SCORE chapters, Small Business Development Centers, chambers of commerce, and other groups promoting entrepreneurship training.
He also recently founded GoBizGirl Startup Academy, which combines classic entrepreneurial training, credit remediation, business credit training and direct access to funding options designed for startups. This 12-week training program is designed for single mothers who want to create new prosperity for themselves and their children.
- MBA, Indiana University
- Master of Global Management, Thunderbird
- Business Loan Broker
- Capital Advisor
- Training Provider
- 9x Entrepreneur
Community award
Business Champion of the Month
Honored in November 2025 by Accelerate Brevard: Chamber of Innovation for our commitment to supporting small businesses.




Refer & earn
Know a business that needs funding?
Approved referral partners earn a percentage of our commissions when clients they refer successfully secure funding. It’s a fit for consultants, advisors, accountants and anyone with a network of business owners.
Become a referral partner
Apply online to join the program and start submitting deals.
Ready to see what you qualify for?
A short application, a quick credit review with no impact to your score, and a real conversation about your options.
