Chris Haddon and his future business partner, both in their 20s, had soaked up all they could learn at their banking jobs about finance and real estate. They took the plunge in late 2007, opening Hard Money Bankers, a commercial lending company. Then, in 2008, the real estate bubble burst and the economy tanked. Focusing the business “person-by-person, day by day,” they toughed out the recession. HMB grew to $25-million in loan volume and seven-figure revenues, using web marketing to disrupt the old school market. Chris also co-authored "The Whiteboard," an Amazon #1 Bestseller.