MicroBanking Method Review: Can Everyday Investors Really Become The Bank?

MicroBanking Method is a real estate finance training program that teaches people how to act like a small private bank, funding short term property deals and then flipping those loan contracts to institutional lenders for profit. It targets investors who want cash flow from real estate without owning or managing properties directly, by earning fees and interest as the money partner instead.

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What Is MicroBanking Method?

MicroBanking Method is a six module online course created by investor Rick Melero that breaks down his approach to microbanking, a strategy where individuals provide short term loans to real estate buyers or investors and then quickly sell those loans to larger financial institutions. Instead of holding a loan for years and waiting for interest to accumulate, the microbanker aims to recycle capital multiple times per year, stacking fees and interest spreads from several deals. The system focuses on structuring loan terms, underwriting borrowers, documenting contracts correctly, and building relationships with institutional buyers who are willing to purchase those loans.

The program promises to show how to source deals from real estate investors who need funding, evaluate risk, negotiate rates and fees, and exit efficiently by assigning the loan to a bank or fund. The idea is to earn strong returns on capital with less work than owning rentals, flipping houses, or managing tenants, while still being deeply involved in the financing side of real estate deals.

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Who Created It?

MicroBanking Method was developed by Rick Melero, a long time real estate investor and private lender who has been involved in hundreds of transactions across different markets. Before building this course, he spent years raising capital, funding flips and small development projects, and negotiating with banks, funds, and family offices. His experience in both traditional private lending and institutional capital markets shapes the content of the program. He positions microbanking as a refined version of hard money lending that emphasizes fast capital recycling and structured exits, rather than simply collecting interest over long terms. The course draws heavily on his case studies and deal structures that he claims to have used personally.

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How MicroBanking Method Works?

The core strategy of MicroBanking Method starts with offering short term private loans to real estate investors who need fast funding. For example, a microbanker might lend one hundred thousand dollars at ten percent annual interest plus several thousand dollars in fees for a fix and flip project. Instead of waiting a full year to collect all the interest, the method teaches how to package that loan and sell the contract to an institutional lender at a lower rate, such as three percent. By doing that, the microbanker gets the original capital back quickly plus a small interest margin and keeps the upfront fees, while the institutional buyer holds the loan and earns the remaining interest.

This process allows the same pool of capital to move through multiple deals in a year. In a typical example, a single well structured transaction might generate fifteen thousand dollars in combined fees and interest, and doing several of these in a twelve month period could add up to a meaningful income stream. The modules cover where to find borrowers, how to underwrite deals conservatively, how to approach institutions that buy loans, and how to manage paperwork so assignments go smoothly.

Course Structure and Contents

MicroBanking Method is organized into six core modules plus bonuses. The early modules introduce the fundamentals: what microbanking is, how it differs from traditional private lending and bank lending, and what role the microbanker plays in a deal. Subsequent modules go into lead generation for borrowers, including networking with wholesalers, real estate agents, and flippers, and setting up basic marketing to attract loan requests. There are detailed lessons on structuring notes and mortgages or deeds of trust, setting interest rates and fee schedules, and protecting oneself with proper collateral and documentation.

Later modules shift to exit strategies, focusing on building a list of institutional buyers, understanding their criteria, packaging loan files with appraisals, borrower profiles, and property data, and negotiating sale terms. Risk management and compliance topics are also addressed, including how to stay within legal boundaries and when to involve attorneys. Bonuses include big money case studies, guidance on raising additional capital to scale, a digital copy of Rick's book on purpose driven investing, and a strategy call with someone from his team for personalized planning.

Pricing and Where to Buy?

The entry price for MicroBanking Method is $97 as a one time fee, which grants access to the core six module course and the main bonuses. There is an optional add on called the MicroBanking Virtual Assistant, priced around thirty seven dollars, that functions like a specialized AI helper trained on the course material to answer student questions and support deal analysis. There are also indications that higher ticket coaching or advanced programs may be offered after enrollment, which can raise the total cost for those who choose to upgrade. Compared to traditional real estate mentoring or private lending masterminds, the front end price is relatively low, but the overall investment depends on how deeply someone wants ongoing support or higher level guidance.

Who MicroBanking Method Is For?

MicroBanking Method is aimed at individuals who are interested in real estate but prefer the financing side over property management. It appeals to people who have access to capital, either their own savings or investor funds, and want to deploy that money in a structured, higher yield way. It can also attract professionals like mortgage brokers, agents, or current lenders who want to add another tool to their toolbox. The strategy does require a level of comfort with numbers, contracts, and negotiation, as well as patience to build relationships with both borrowers and institutional buyers.

The marketing sometimes suggests that beginners with no experience or capital can get started quickly, but in practice the method works best for those who can either bring significant funds or have a clear path to raising money responsibly. It is not a low cash, no risk approach; rather, it is an advanced financing play that needs thoughtful planning and due diligence.

Benefits

On the positive side, MicroBanking Method offers a unique angle on real estate investing that goes beyond the usual rentals and flips. Learning directly from someone with a long track record in lending can shorten the learning curve and help avoid common mistakes. The potential for attractive returns exists when deals are structured well and capital can be recycled multiple times per year, and the six module structure makes the material more digestible for those new to private lending. The relatively low front end price also makes it accessible for people who want to explore the concept without committing thousands up front.

TL;DR:

MicroBanking Method is a six module course by Rick Melero that teaches how to act as a small private bank, funding short term real estate loans and then selling those loans to institutions for profit. It costs ninety seven dollars upfront with optional add ons, offers a unique high yield strategy, but requires significant capital, careful risk management, and realistic expectations to work well in practice.

Final Verdict

MicroBanking Method presents an interesting and potentially lucrative real estate financing strategy for those who are serious about becoming lenders rather than property owners. The course offers a structured six module framework, detailed explanations of how to originate and flip loans, and bonuses that add depth and support. For investors with access to meaningful capital and a willingness to learn the lending business, it can serve as a roadmap to building a microbanking operation with faster capital turnover than traditional loans.

However, it is not a magic shortcut to wealth, and it is not ideal for people starting with very limited funds or those unwilling to handle the responsibilities that come with lending. Anyone considering the program should approach it with realistic expectations, commit to thorough due diligence on both deals and borrowers, and be prepared to keep learning beyond the initial training. As part of a broader real estate strategy, MicroBanking Method can be a valuable tool, but like any investment approach, success depends on disciplined execution rather than promises alone.

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This release was published on openPR.