Bruno Raschio

Bruno Raschio Fund Manager
CEO at East Harbor Financial
Host of The Backbone of America Podcast
https://www.youtube.com/

06/01/2026

Most lenders start with the credit score.

We start with the structure.

This deal involved a brand-new dump truck for a construction company. The asset coverage was tight, but that's only one piece of the equation. The security deposit, the resale market, and the lease structure created multiple layers of protection.

In a fair market value (FMV) lease, we own the equipment and control the collateral. That means we're not relying on a single metric to make a decision.

Good underwriting isn't about chasing scores. It's about understanding the asset, evaluating the risk, and building a structure that works when conditions change.

Structure over score.

05/22/2026

Supporting these trips with Jeff Samuels is something I’m always proud to be part of. Seeing veterans reconnect, decompress, and enjoy days like this out on the water reminds you how important community really is.

South Florida shark encounters, wreck explorations, good people, and a mission bigger than any one person. Grateful to play a small role in helping make it happen. 🇺🇸

05/19/2026

Most lenders won’t touch a luxury condo before it’s built.

We did — because the structure made sense.

The unit was still under construction, so instead of relying on a traditional mortgage position, we secured the membership interest through a UCC filing, added personal guarantees, and structured the deal around the projected completed value.

By the time the building delivers, the position converts into a traditional mortgage structure.

Good bridge financing isn’t about taking unnecessary risk.
It’s about structuring the deal correctly before the first dollar moves.

05/07/2026

This deal involved a brand-new center console fishing yacht with quad outboards from a premium builder. But here’s what mattered— Over 60% cash in. Returning operator. Proven track record.

We’re not just funding the deal. We’re aligned.

Preferred position. Fully insured. Strong asset coverage.
When both sides have real capital at risk, the incentives take care of themselves.

Watch how this one was structured.


05/06/2026

Late-model Class 8 tractor.
Operator put up over 40% in cash.

That tells you what you need to know.

Cash flow verified.
GPS in place.
Insurance bound.
Clean title.

This wasn’t about credit alone.
It was about commitment—and the ability to perform.

That’s a fundable deal.

Watch how we structured it.


05/05/2026

26 parcels.
$2.9M in value.
Less than $500K deployed.

That’s the kind of margin we look for.

A 24-month interest-only structure gave us a strong position with clear downside protection. Most people chase returns. We structure around the asset.

Watch how this one came together.

04/28/2026

Everyone keeps asking if Miami will ever catch New York. That’s the wrong question. New York will always have the population. That’s not what makes a city powerful. What makes Miami different is the opportunity. Anywhere in the world, you say you’re from Miami—people pay attention. There’s a reason for that. This is still one of the few places where you can show up with nothing, build real relationships, and move up fast.

That’s the edge. Not size—opportunity.

The American Dream is still alive, and it’s happening in Miami.

Full conversation on The Backbone of America podcast.

04/27/2026

There’s a different kind of return you look for in life. Not everything is measured in dollars.

This past dive out of Lake Park Marina with Jeff Samuels and Subsurface Veterans is exactly that. Three dives, strong conditions, and some serious marine life—tiger sharks, lemon sharks, and Goliath groupers moving through like they own it. But what matters isn’t just what they saw. It’s what this represents.

Jeff is doing something real—bringing veterans together, getting them back in the water, giving them a space to reset and reconnect. That kind of work deserves support.

And I'm proud to stand behind it.

Respect to every man out there who showed up, got in the water, and shared the day. Ending it the right way—with a cold beer and good people.

That’s what it’s about.

04/27/2026

Starting a business isn’t supposed to be easy—
but it shouldn’t be slowed down by broken systems either.

That’s the shift happening right now in Miami-Dade. Plans are submitted digitally. City and county review them at the same time.No more running between offices. No unnecessary delays.

The result?

A business in Miami Beach was permitted in just 16 days. And it goes beyond speed. The real change is removing friction—making it easier for entrepreneurs to access the support and capital they need to actually get off the ground.

Less bureaucracy. More ex*****on. That’s how you build a real local economy.

Full conversation on The Backbone of America — link in bio.

04/24/2026

Everyone talks about bringing the next big company to Miami. But what if that’s the wrong focus?

In this conversation, Manny Cid breaks down a shift that’s happening right now in Miami-Dade County—one that most people aren’t paying attention to. For years, talent was leaving. Headed to Texas. Tennessee. Central Florida. At the same time, cities were competing to import success from somewhere else.

But the reality is simple:
The next generation of builders is already here.

Miami doesn’t need to recruit the next Jeff Bezos.
It needs to build the environment where that person can grow—right here at home. This is about more than business.
It’s about creating a local economy that actually works—for everyone.

That’s the real opportunity.

Full conversation on The Backbone of America — link in bio.

Address

Hobe Sound, FL

Website

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