My SBA Loan Pro Podcast

Are you looking to acquire a business and its underlying real estate? In this video, Ryan is joined by his daughter, Austyn, who takes over the interviewer seat to ask the tough questions about commercial acquisitions. We dive deep into the specific strategies, requirements, and loan mechanics you need to know to successfully close on both a business and its property. We cover everything from post-close liquidity requirements and SBA loan structures (like the 7a and 504 programs) to the crucial clauses you need in your purchase agreement—like the First Right of Refusal. Plus, I share real-world case studies showing how my clients saved up to $120,000 a year by structuring their real estate purchases the right way! In this video, you will learn: If you found this video helpful, please hit the Like button and Subscribe for more insights on business acquisitions, SBA loans, and real estate financing! If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 0:00: Introduction 1:55 – Should You Buy the Business and Real Estate Together? 2:23 – Cash Requirements & Post-Closing Liquidity Explained 4:13 – Timing Challenges: Valuation, Appraisal & Environmental Reports 5:12 – Financing Together vs Separately (Pros & Cons) 8:00 – Loan Mechanics: 7(a) vs 504 vs Conventional 11:10 – Why Most Buyers Purchase the Business First 12:02 – First Right of Refusal & Locking in the Price 15:37 – Real Case Study: 25-Year Fixed Refinance at 6.2% 18:00 – Scaling with SBA 504 After Maxing Out 7(a) More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

Welcome to the inaugural episode of the SBA Cafe podcast. Host Ryan Smith is joined by industry experts Kalen Foster (Live Oak Bank), Julian Carney-Domm (The Bancorp), and Casey Hopkins (Southland EDC) to dive deep into the world of SBA borrowing, market trends, and real-world deal-making. 2025: The Year of Perseverance and Acquisition The panel kicked off the first episode by reflecting on the landscape of 2025: The Year of Perseverance:The Year of Business Acquisitions:"Survive in '25": Lessons from the Trenches: Proud Deal Stories The experts shared complex stories from 2025 that illustrate the challenges—and rewards—of the SBA process: The Long Game:Mission-Driven Lending:Environmental Obstacles:Detangling Complexity: Market Headwinds: Tariffs and Interest Rates As we move into 2026, several factors are shaping the lending environment: The Impact of Tariffs:Interest Rate Shifts: Best Practices for SBA Borrowers To help borrowers succeed in 2026, the panel offered several "best practice" tips: Take One "Bride" Down the Aisle:Prioritize Profitability Over Tax Mitigation:The 5 Ps:Be Ready for Scrutiny:Stay tuned for our next episode, where we will perform a deep dive into structuring your financials for a successful 2026 loan application.

You don’t know what you don’t know—and that is exactly why you listen to podcasts. In this episode of My SBA Loan Pro, host Ryan Smith sits down with Frank Caperino (aka "Franchise Frank") to reveal the industry secrets that only an experienced franchisee would know from decades of real-world experience. From his early days as an engineer to owning multiple Cold Stone Creamery locations, Frank shares the hard truths about what really happens after you sign the franchise agreement. He pulls back the curtain on the hidden dynamics between franchisors and franchisees that you won't find in a brochure. In this episode, you’ll learn: Connect with Franchise Frank: 🌐 FranchiseFrank.com 📖 Book: Buying a Franchise: 24 Items to Be Wary of Before Signing If you liked this content, let's connect on social media: Key Chapters: 00:00 - Introduction 02:54 - Guest Intro: Frank Caperino’s Transition from Engineering to Franchising 09:07 - Operational Excellence: Internal Systems & "Management By Walking Around" 13:32 - Financing Growth: Strategy for SBA Loans & Small Banks 14:22 - Exit Strategy: Recognizing Market Peaks & When to Sell 17:54 - The Franchisee-Franchisor Conflict: Encroachment, FDDs, & Territory Rights 22:16 - Franchise Advisory Councils: Protecting the Brand & Owner Interests 27:32 - Hidden Costs: Understanding Vendor Rebates & Supply Chain Monopolies 37:20 - Current Trends: Service Brands vs. Food Concepts 39:03 - Strategic Negotiation: Buying Territories & Opening Timelines 40:34 - Closing Remarks & Contacting Franchise Frank More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

In this episode, Ryan sits down with Steven Hanson from Transworld Business Advisors, the largest business brokerage firm in the country. With a unique background ranging from geology to serving as the VP of a major medical device company, Steven shares his expert insights on how to successfully navigate the world of buying and selling businesses. Steven and Ryan discuss the current state of the market, noting that while the "Silver Tsunami" of retiring Baby Boomers is bringing more businesses for sale, there are still far more buyers than sellers. Steven warns against expensive seminars that promise you can buy a business with "no money down," explaining why sellers won't accept notes that don't pay out for a decade. In this episode, you will learn: Whether you are a first-time buyer looking to leave your corporate job or a seasoned entrepreneur looking for your next acquisition, this episode is packed with practical advice on closing the deal. Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck If you liked this content, let's connect on social media: Key Chapters: 0:00: Introduction 2:41: Meet Steven Hansen & Transworld Business Advisors 4:24: From Geologist to Medical Device Executive 8:17: Learning M&A and Building Sales Teams in Corporate America 12:08: Transitioning Executive Skills to Business Brokerage 15:14: "Bob's Auto Shop": Is the Owner the Face of the Business? 17:54: Valuation Reality: The "Need" vs. The Market Value 22:09: Managing Unrealistic Seller Expectations 24:15: Market Dynamics: Supply, Demand, and the "Silver Tsunami" 29:26: How Buyers Can Build Credibility with Brokers 33:10: Private Equity Algorithms vs. Individual Buyers 36:40: Vetting Buyers: Proof of Funds & The "Johnny" Horror Story 41:54: The "No Money Down" Seminar Myth 45:02: SBA Lending Realities: Are You Ready to Drive? 47:58: The Dangers of Proprietary Searches (Cold Calling Sellers) 50:35: Why Professional Intermediaries Protect the Deal 55:27: 2026 Market Outlook & Closing Thoughts More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

From learning English by calling credit card companies to building a nationwide bookkeeping franchise, Max Emma’s story is the definition of the American Dream. In this episode, Max shares how he bounced back from a devastating bankruptcy during the 2008 recession to launch and scale BooXkeeping. We dive deep into the world of franchising, discussing what aspiring business owners should look for in a franchisor and the unique "3-6-9-12" training model that sets his company apart. Max also reveals his insights on the hottest franchise industries right now—including health, pet care, and handyman services—and offers wisdom on why you should never be afraid to open new doors. In this episode, we cover: If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 0:00 - Introduction and Host Welcome 1:08 - From the Soviet Union to Corporate America 2:44 - An Ingenious Way to Learn English 4:04 - Surviving Bankruptcy and Starting "Bookkeeping" 6:28 - Qualifications and the Role of Operations vs. Sales 7:49 - Creating Culture: The "Cool Bean Counters" 9:02 - The X-Factor and Trademarking the Name 10:39 - How AI and Cloud Tech Are Changing the Industry 14:30 - National Growth and Protected Territories 18:13 - The 3-6-9-12 Franchisee Training Model 24:32 - Realistic ROI and the "Cash Cow" Myth 26:23 - Max's Consulting Business and Commission Sharing 31:51 - Market Trends: Fitness Consolidation and Senior Care Saturation 34:54 - Future-Proofing: Kids Brands and Handyman Services 35:53 - The Imminent Impact of Automation on Jobs 38:20 - The Opportunity Cost of Doing Your Own Books 40:43 - The Importance of Being Coachable 42:51 - Traits of High-Performing Franchisees 45:20 - Words of Wisdom: Open Every Door 48:42 - Contact Information and Conclusion More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

In this episode of My SBA Loan Pro Podcast, the host sits down with Ryan Smith, founder of ThinkSBA, to discuss the current and future landscape of SBA lending, real estate financing, and business acquisition funding. Ryan shares what he’s seeing across SBA 7(a), SBA 504, national banks, community lenders, and SBA-only lenders — including where interest rates are headed, when it makes sense to buy versus wait, and why certainty to close often matters more than chasing the lowest rate. The conversation also dives into business acquisition trends driven by the “silver tsunami,” increasing private equity competition, franchise startup financing, collateral requirements, and what serious buyers should be doing now to prepare for 2026. Whether you’re a business owner, acquisition entrepreneur, or franchise buyer, this episode offers practical, real-world insight into navigating today’s lending environment and positioning yourself for long-term success. Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 00:00 – 2026 Owner Occupied Real Estate Financing Outlook 02:05 – Owner Occupied Real Estate Interest Rates 04:03 – Real Estate SBA 7(a), 504 & Conventional Lender Appetite 07:30 – SBA 7(a) Variable High Interest Owner Occupied Real Estate Rate Financing 11:20 – Current Lender Prepayment Penalty Strategies 12:52 – Owner Occupied Real Estate Client Case Studies 16:26 – Owner Occupied Real Estate Purchase Timing 16:58 – How To Prepare To Buy Owner Occupied Real Estate in 2026 18:11 – Business Acquisition Outlook And Opportunities 20:08 – Weighing Business Acquisition Financing Interest Rates Vs. Certainty To Close 24:25 – Why Key Employees Need To Be Ready When Opportunity Strikes 28:10 – 2026 Business Acquisition Financing Outlook 30:03 – Current SBA Franchise Financing Landscape 30:50 – Franchise Start Up Collateral Vs. Liquidity 33:08 – Lendable Real Estate Equity Defined 34:21 – Franchise Start Up Lender Appetite 36:45 – Is Now The Time To Start a New Franchise Location 38:30 – 2026 Franchise Financing Outlook More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

In this episode of the My SBA Loan Pro Podcast, Ryan Smith sits down with Casey Hopkins of Southland CDC for a clear, no-fluff breakdown of the SBA 504 loan program to purchase owner-occupied real estate. This conversation focuses on the core mechanics and decision points business owners need to understand before buying owner-occupied commercial real estate—from eligibility and structure to timing, rates, and prepayment strategy. If you’re considering buying your building, this episode will help you avoid costly mistakes and make informed decisions. If you liked this content, let's connect on social media: If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 00:00 - Introduction 01:22 - Casey's Background 04:30 - 504 Overview 05:52 - Loan Structure 08:13 - Property Types 10:15 - Eligibility 11:21 - Occupancy Rule 16:59 - Application Process 19:54 - Timing Strategy 22:27 - SBA Review 29:32 - Screen Outs 34:55 - Loan Limits 42:47 - Prepayment Rules 54:19 - Best Timing More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

In this episode, Roy Chiovari shares how he’s helping redefine what it means to be a banker in today’s world — moving beyond transactions to the art of personalized private banking at Citizens Private Bank. Drawing on his early credit training and experience at Wells Fargo, Roy explains how that foundation shaped his holistic approach to serving clients. His team functions as a single, lifelong point of contact for business owners and real estate investors—simplifying everything from day-to-day banking to long-term financial strategy. For busy entrepreneurs, Roy’s mission is clear: eliminate banking “brain damage” through responsive, remote-friendly, full-service support. He also highlights why deposits—not just loans—reveal the depth of a client relationship, and how referrals from satisfied clients have become the cornerstone of his thriving practice. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 0:00 - Introduction 0:42 - Chicago Roots 1:53 - Credit Training 5:48 - From Transactional to Relational 7:16 - What is Private Banking? 9:18 - Holistic Client Care 12:47 - Avoiding Banking Brain Damage 17:50 - The Power of Deposits 19:42 - Exiting a Business 20:30 - Owner-Occupied Real Estate More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

Ryan Smith, SBA loan expert, is joined by Melissa Bustarde, an M&A attorney and Managing Partner at Branthman, Mayfield, Bustarde, Ryckanthal LLP (BMBR LLP). Melissa specializes in representing both buyers and sellers in lower-middle-market transactions—deals of $10 million or less in enterprise value—and has advised numerous acquisition entrepreneurs who used SBA financing to close their transactions. In this episode, Melissa shares her remarkable career journey, detailing her path from law clerk to firm owner, and provides crucial legal guidance for entrepreneurs and small business owners. Key topics covered include: If you are buying or selling a business, this deep dive into M&A legal strategy is essential viewing! Key Chapters: 0:00 - Introduction 0:47 - Attorney Background 1:30 - Clerk to Partner 3:00 - Recessions' Impact 4:26 - M&A Focus 5:43 - Tailored Fees 8:31 - Legal Audit 11:29 - Geographic Limits 13:50 - Letter of Intent 16:58 - Buyer Protections 20:30 - Case Study 23:44 - R&W Importance 28:50 - Asset vs Stock 37:37 - General Counsel 42:26 - AI Impact 44:48 - AI Litigation More Subject Matter Experts Playlist • Subject Matter Experts Face to Face Interv... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast / @thinksba

Ryan Smith, Principal and Founder of ThinkSBA and host of the My SBA Loan Pro Podcast, sits down to share his journey from a banking background to becoming a highly successful, niche SBA loan broker. In this deep-dive, Ryan discusses how a single declined loan was the catalyst for starting his own business, why he chose to focus exclusively on SBA loans, and the massive advantages of being a specialized expert versus a generalist. He also offers invaluable advice for small business owners and acquisition entrepreneurs on navigating the complex world of SBA lending and how he ensures his clients get the lowest interest rate and best terms for which they qualify. Key Takeaways: • The moment a single loan decline led to the creation of ThinkSBA. • Why niching down from "Holistic Lending" to SBA was the crucial decision for success. • The advantage of being the "Speedboat" that can pivot quickly, unlike the "Titanic" big banks. • How his personal experience of acquiring a business and signing a $5 million SBA loan adds unmatched credibility. • Why the market is shifting from real estate to business acquisition and franchising. • Powerful strategies for using the SBA 504 loan program to buy real estate with zero capital injection. • The future role of AI in enhancing analysis to free up human talent for revenue-generation. • The importance of a client-first culture and why bigger isn't always better for service quality. If you're looking to finance a business acquisition, buy commercial real estate, or just want expert advice on SBA lending, this episode is a must-watch! Key Chapters: • 0:00 - Introduction • 0:47 - What Inspired You? • 1:51 - Defining the Niche • 4:21 - Traditional Lending Problem • 8:38 - Mission Definition • 11:39 - Biggest Transition Challenges • 14:41 - Problem Solving • 18:23 - Loan Volume Products • 19:54 - Differentiation • 22:42 - Borrower Profile • 27:35 - SBA Misconceptions • 29:56 - Lending Trends • 32:00 - Capital Allocation • 34:03 - Pre-Qualification Timing • 36:58 - Lessons Learned • 39:56 - Future Landscape More ThinkSBA Resources • Subject Matter Experts Face to Face Interv... ⁠More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

Many business owners focus on building wealth (accumulation) but neglect the crucial final phase: wealth distribution. In this podcast, expert wealth advisor Scott Chelberg, President of Retirement Solutions , dives deep into exit planning which is really just strategic planning for business owners who are nearing retirement.Learn the essential steps to maximize your business's value and ensure you have the income to support your ideal retirement lifestyle. Scott explains how to quarterback your financial team, coordinate your experts, and why you need to think about taxes now—including how your money will be taxed when it comes out of your investments.What you will learn: Don't wait until the last minute! Start planning for a successful exit and a secure, tax-efficient retirement today. If you liked this content, let's connect on social media: Instagram: ⁠⁠ / mysbapro ⁠⁠ Twitter: ⁠⁠ / mysbapro ⁠⁠ LinkedIn: ⁠⁠ / ryanpatryck ⁠⁠ Key Chapters: ⁠00:00⁠ - Introduction ⁠01:45⁠ - Attraction ⁠03:57⁠ - Ideal Client ⁠05:43⁠ - Value Gap ⁠07:12⁠ - Timing ⁠09:21⁠ - Unprepared ⁠12:44⁠ - Dream Client ⁠19:27⁠ - Taxation ⁠25:27⁠ - Foxes ⁠32:57⁠ - Four Cs ⁠3⁠⁠7:58⁠ - Second Opinion 40:34 - Success Stories More Subject Matter Experts Playlist⁠⁠ ⁠⁠ ⁠⁠ • Subject Matter Experts Face to Face Interv... ⁠⁠⁠ More ThinkSBA Resources ⁠⁠⁠https://calendly.com/thinksba⁠⁠ - Schedule Call ⁠⁠https://g.page/thinksba⁠⁠ - Google Business Page & Reviews ⁠⁠https://thinksba.com/faq⁠⁠ - Frequently Asked Questions ⁠⁠https://mysbaloanpro.com⁠⁠⁠ - My SBA Loan Pro Podcast⁠⁠ ⁠⁠ ⁠⁠ / @thinksba - ⁠⁠YouTube Channel

Joshua Donnelly, founder of Stone Canyon Advisors, shares his incredible journey from running a cattle operation in his teens to becoming a leading M&A advisor. He reveals why he left a successful investment banking career to build his own "platform business" and explains his unique "Acquirable Platform" designed to help business owners maximize their exit value. In this conversation, we dive deep into: - The "Acquirable Framework": The four pillars (Efficiencies, Financials, Culture, Scale) that determine a company's sale readiness. - The Power of Preparation: How a 2-3 year preparation plan can double a company's sale value and create generational wealth. - Counterintuitive M&A Insights: The "un-Googleable" strategies, like why not all revenue is good revenue when preparing for a sale. - The Founder's Journey: Joshua's personal story of taking the leap, dealing with anxiety, and building a company worth copying for his sons. If you're a business owner considering an exit or an entrepreneur on the precipice of a big decision, this episode is packed with actionable advice. If you liked this content, let's connect on social media: Instagram: / mysbapro Twitter: / mysbapro LinkedIn: / ryanpatryck Key Chapters: 0:00 - From Cattle to Banking 2:30 - Founding Stone Canyon 5:15 - The "Acquirable Platform" 8:10 - Ideal Client Profile 10:45 - What Makes a Company Saleable 14:20 - Renovate for the Buyer 17:50 - Case Study: Illuminating Value 22:00 - Un-Googleable M&A Secrets 26:30 - The 3-Year Engagement Process 30:10 - Taking the Leap More Subject Matter Experts Playlist • Subject Matter Experts Face to Face Interv... ⁠ More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast / @thinksba - YouTube Channel

Andy, a former San Francisco Police Sergeant Inspector, spent 20 years investigating crimes and uncovering the truth. Now, he uses those same skills to help business owners and investors perform deep due diligence for M&A deals. In this episode, he reveals: The biggest red flags that a person or company is not who they claim to be. How to spot fake testimonials and fabricated business credentials. The psychological reasons buyers ignore glaring warning signs (it's not just greed). The real-world sources he uses to investigate executives and businesses. Why trusting your gut feeling may save you time and money. Learn how to protect yourself from costly mistakes by seeing the world through the eyes of a detective. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 0:00 - Introduction 0:50 - Career Pivot 2:15 - Detective Skills 3:10 - Changed Perspective 4:15 - Daily Routine 6:10 - Retirement Decision 7:45 - Becoming a PI 9:30 - Company Introduction 11:15 - Investigation Sources 13:00 - Red Flags 15:45 - Client Reactions More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠ More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

Want to stop renting and own the building your business operates in? In this episode of the My SBA Loan Pro Podcast, Kalen Foster shares how to use the SBA 7(a) loan to buy owner-occupied commercial real estate with as little as 10% down. Learn the key differences between SBA 7(a) and 504 loans, how rent replacement works, and what lenders look for when approving real estate purchases. Whether you’re a first-time buyer or expanding to a second location, this episode offers expert guidance to help you control your future through property ownership. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 0:00 – Podcast Introduction 0:13 – Owning vs. Renting 2:55 – SBA Rent Replacement 4:34 – Variable vs. Fixed Rates 6:00 – Low Down Payments 7:12 – Business + Real Estate 10:58 – 7(a) Loan Features 12:42 – 7(a) vs. 504 Loans 17:23 – Appraisals & Compliance 23:42 – Expanding Your Business More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠ More ThinkSBA Resources ⁠https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

Thinking about buying a business? This episode of the MySBA Loan Pro Podcast features Kalen Foster, a leading expert in SBA business acquisition financing. Discover how SBA 7(a) financing works for acquisition entrepreneurs and self-funded searchers looking to close deals with confidence. Kalen breaks down the SBA loan process, lender expectations, and keys qualifying for an SBA 7(a) loan. Learn how to structure your deal, avoid common financing mistakes, and stand out to lenders. Whether you're just starting your acquisition journey or deep in due diligence, this episode is packed with actionable insights to help you secure the SBA loan you need to buy a business. If you liked this content, let's connect on social media: Instagram: ⁠ / mysbapro ⁠ Twitter: ⁠ / mysbapro ⁠ LinkedIn: ⁠ / ryanpatryck Key Chapters: 0:00 - Podcast Introduction 1:09 - Banking Transition 2:02 - Math Matters 3:02 - Ideal Buyer Traits 7:26 - Zero Down Myth 16:32 - Industry Focus 20:51 - Seller’s Role 23:00 - Tax Truths 26:05 - Underwriting Advantage 29:17 - Underwriter Etiquette More Subject Matter Experts Playlist⁠ ⁠ ⁠• Subject Matter Experts Face to Face Interv... ⁠⁠More ThinkSBA Resources⁠ ⁠https://calendly.com/thinksba⁠ - Schedule Call ⁠https://g.page/thinksba⁠ - Google Business Page & Reviews ⁠https://thinksba.com/faq⁠ - Frequently Asked Questions ⁠https://mysbaloanpro.com⁠⁠ - My SBA Loan Pro Podcast⁠ / @thinksba ⁠

Don Curristan, an executive benefits expert with 27+ years of experience, reveals how business owners and CEOs use deferred compensation, SERPs, and phantom stock to retain key employees. Learn: - The surprising tax advantages of deferred comp plansHow performance-based incentives work without equity -Common mistakes companies make with executive benefits - Why proper plan design makes all the difference - Perfect for business owners, HR professionals, and financial advisors looking for advanced compensation strategies. If you liked this content, let's connect on social media: Instagram: / mysbapro Twitter: / mysbapro LinkedIn: / ryanpatryck Key Chapters: 0:00 - Introduction 0:50 - Career Background 2:15 - Who Needs These Plans? 4:45 - Deferred Compensation Explained 6:30 - Tax Benefits 8:10 - SERPs Overview 10:25 - Phantom Stock Case Study 12:40 - Implementation Process 14:55 - Common Mistakes 16:20 - DIY vs Professional Help 18:00 - Closing Thoughts More Subject Matter Experts Playlist • Subject Matter Experts Face to Face Interv... ⁠More ThinkSBA Resources⁠ https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast / @thinksba

Employment attorney Sam Sherman reveals critical legal risks California business owners face—from wage/hour compliance to PAGA lawsuits, misclassification, and M&A pitfalls. Learn how to protect your business proactively and avoid costly mistakes. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: 0:00 - Introduction 1:54 - Wage & Hour 3:20 - Employee Classification 5:38 - Demand Letters 7:38 - Leave Management 9:50 - Immigration Compliance 12:39 - M&A Risks 15:00 - PAGA Lawsuits 17:50 - Settlement Pressures 20:08 - HR vs Legal 22:27 - Proactive Prevention More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠ More ThinkSBA Resources⁠ https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

In this episode, Ken Rosenthal shares expert insights on why business owners should consider purchasing their commercial property and the best financing options available, including SBA 7a and 504 loans. Learn how owning your building provides stability, tax benefits, and long-term investment potential. Ken breaks down the differences between conventional loans, SBA programs, and other financing methods, helping you make an informed decision. Whether you're a small business owner or an entrepreneur looking to secure your future, this discussion is packed with valuable advice. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters: (00:00) Why Buy Your Building? (12:53) Owning vs. Renting Benefits (19:40) 5 Financing Methods (23:07) SBA 7A vs. 504 Loans (29:25) Interest Rates Impact (37:37) Qualifying for SBA Loans (45:12) Loan Process Overview (52:30) Success Stories & Examples (1:00:15) Final Tips & Next Steps More Subject Matter Experts Playlist https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠ More ThinkSBA Resources⁠ https://calendly.com/thinksba - Schedule Call https://g.page/thinksba - Google Business Page & Reviews https://thinksba.com/faq - Frequently Asked Questions https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast http://youtube.com/@thinksba - YouTube Channel

Thinking about buying a franchise? Already own one but struggling to succeed? In this episode, franchise expert Mark Camras, author of Secrets of Franchise Success, reveals the top strategies top-performing franchisees use to build thriving businesses. Learn how to overcome fear, develop the right mindset, leverage franchisor resources, and create a winning culture. Whether you're considering franchise ownership or looking to improve your current business, this episode is packed with actionable insights.If you liked this content, let's connect on social media:Instagram: / mysbapro Twitter: / mysbapro LinkedIn: / ryanpatryck Franchiseceomindset.com - for anyone interested in registering for Marc’s online course. Key Chapters: • (0:00) Franchise Success Intro • (0:46) Secrets of Franchise Success • (1:27) Who Should Franchise? • (2:17) Franchising vs. Starting Alone • (3:17) What Franchisors Don’t Teach • (5:18) Overcoming Franchise Fear • (8:56) Goal Setting & Accountability • (10:13) Coaching for Franchise Success • (13:50) Franchise Coaching Success Stories • (16:19) Traits of Top Franchisees • (20:05) Turning Complaints into Growth • (24:03) Preparing for Franchise Ownership • (27:00) Vision & Long-Term Planning • (29:32) Humility & Curiosity Matter • (33:42) Accessing the CEO MindsetMore Subject Matter Experts Playlist • Subject Matter Experts Face to Face I... ⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast / @thinksba

In this episode of the My SBA Loan Pro podcast, Ryan chats with Jim Morrison—one of the best in the business when it comes to employer benefits. We dive into group health insurance and cover everything business owners need to know, from staying compliant to finding the right coverage for their team. Jim drops a ton of practical tips to help you steer clear of expensive mistakes and get the most bang for your buck. If you're running a business, big or small, this one's definitely worth a listen.If you liked this content, let's connect on social media:Instagram: / mysbapro Twitter: / mysbapro LinkedIn: / ryanpatryck Key Chapters:0:00 – Why Benefits Matter1:17 – Who is Jim Morrison?2:34 – Broker’s Role Simplified4:13 – Mandatory vs. Voluntary Benefits6:20 – Benefits for Talent Retention8:11 – Avoiding Costly Mistakes12:54 – Compliance Risks16:25 – Client Success Stories20:30 – M&A & Benefits Impact25:45 – 2024 Legislative Updates30:10 – Fixing Healthcare Flaws35:50 – Future of Health InsuranceMore Subject Matter Experts Playlist • Subject Matter Experts Face to Face I... ⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast / @thinksba