My SBA Loan Pro podcast

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In Her Ellement

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Navigating Career Pivots and Grit with Milo’s Avni Patel Thompson 26:18

vor 25 Tagen26:18

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How do you know when it’s time to make your next big career move? With International Women’s Day around the corner, we are excited to feature Avni Patel Thompson, Founder and CEO of Milo. Avni is building technology that directly supports the often overlooked emotional and logistical labor that falls on parents—especially women. Milo is an AI assistant designed to help families manage that invisible load more efficiently. In this episode, Avni shares her journey from studying chemistry to holding leadership roles at global brands like Adidas and Starbucks, to launching her own ventures. She discusses how she approaches career transitions, the importance of unpleasant experiences, and why she’s focused on making everyday life easier for parents. [01:26] Avni's University Days and Early Career [04:36] Non-Linear Career Paths [05:16] Pursuing Steep Learning Curves [11:51] Entrepreneurship and Safety Nets [15:22] Lived Experiences and Milo [19:55] Avni’s In Her Ellement Moment [20:03] Reflections Links: Avni Patel Thompson on LinkedIn Suchi Srinivasan on LinkedIn Kamila Rakhimova on LinkedIn Ipsos report on the future of parenting About In Her Ellement: In Her Ellement highlights the women and allies leading the charge in digital, business, and technology innovation. Through engaging conversations, the podcast explores their journeys—celebrating successes and acknowledging the balance between work and family. Most importantly, it asks: when was the moment you realized you hadn’t just arrived—you were truly in your element? About The Hosts: Suchi Srinivasan is an expert in AI and digital transformation. Originally from India, her career includes roles at trailblazing organizations like Bell Labs and Microsoft. In 2011, she co-founded the Cleanweb Hackathon, a global initiative driving IT-powered climate solutions with over 10,000 members across 25+ countries. She also advises Women in Cloud, aiming to create $1B in economic opportunities for women entrepreneurs by 2030. Kamila Rakhimova is a fintech leader whose journey took her from Tajikistan to the U.S., where she built a career on her own terms. Leveraging her English proficiency and international relations expertise, she discovered the power of microfinance and moved to the U.S., eventually leading Amazon's Alexa Fund to support underrepresented founders. Subscribe to In Her Ellement on your podcast app of choice to hear meaningful conversations with women in digital, business, and technology.…

My SBA Loan Pro Podcast

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Applying for an SBA loan can be stressful , grueling and confusing — does this sound familiar? Don’t worry, SBA Pro and Host of the My SBA Loan Pro podcast Ryan Smith, reveals valuable insights and best practices regarding the SBA loan program and application process. Don’t take another step on your SBA journey until your equipped to make sound and informed decisions at every turn. Start listening today!

63 Episoden

#Business #Real Estate #SBA FM #Ryan Smith

My SBA Loan Pro Podcast

updated vor 7 Tagen

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63 Episoden

#Business #Real Estate #SBA FM #Ryan Smith

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My SBA Loan Pro Podcast

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How To Deliver Unreasonable Value with M&A Advisor Tim Malott | Ep. 11 | My SBA Loan Pro Podcast 32:13

vor 7 Tagen32:13

32:13

In this episode, Tim Malott, a seasoned M&A Advisor and Investment Banker, reflects on his journey from CPA and Bank President to Managing Partner of Shoreline Partners. With over 30 years of experience, Tim shares his approach to problem-solving, the nuances of selling privately held companies, and his commitment to creating an unreasonable value for his clients.He offers insight into the M&A process, the distinctions between business brokers and investment bankers, and the importance of preparation and storytelling in maximizing business value.Whether you're a business owner, investor, or simply interested in mergers and acquisitions, this episode provides valuable perspectives on navigating the complexities of the industry.Stay tuned for actionable tips and expert advice from Tim throughout this entire episode.If you liked this content, let's connect on social media:Instagram: https://instagram.com/mysbaproTwitter: https://twitter.com/mysbaproLinkedIn: https://linkedin.com/in/ryanpatryckChapters: 0:00 - Introduction 1:02 - The Start of Creative Problem-Solving 2:47 - Genesis of Shoreline Partners 4:09 - What Shoreline Partners Does 7:44 - The M&A Process: From Preparation to Closing 10:02 - Shoreline vs. Business Brokers: Key Differences 12:14 - Delivering Unreasonable Value 17:11 - Preparing Your Business for Sale 19:10 - Managing Seller Emotions During M&A 21:35 - Understanding Buyers and Financing 24:11 - Industries Ripe for Acquisition in San Diego 25:28 - The Current M&A Market and Future Predictions 27:50 - The Risks of Waiting to SellMore 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…

My SBA Loan Pro Podcast

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A Primer To SBA Financing For Business Acquisitions 4:58

vor 15 weeks4:58

4:58

Today, we’re discussing the structure of most business acquisition transactions when using SBA financing. If you’re looking to acquire a business, understanding these financing components is critical. Let’s break it down. SBA Loan Structure Overview Most SBA-financed business acquisitions involve three key components: Bank Financing – 90% The majority of the deal, up to 90%, is funded through the SBA loan. This includes the purchase price, working capital, and closing costs. This structure minimizes the buyer’s initial cash outlay while maximizing financial leverage. Seller Financing – 5-7% Typically, sellers are asked to finance 5-7% of the transaction. This is a subordinated loan, meaning it’s repaid after the bank loan. Seller financing not only helps structure the deal but also signals the seller’s confidence in the business. Buyer Equity Injection – 3-5% Buyers are generally required to contribute 3-5% of the purchase price as equity. This is significantly lower than the down payment required in traditional financing, making SBA loans an attractive option. This three-tiered structure is designed to align the interests of all parties involved while ensuring the deal is well-capitalized. Financing Larger Transactions For acquisitions exceeding $5 million, additional mechanisms like Pari Passu arrangements may be utilized. In this structure, additional lenders provide funding on equal terms with the SBA loan. This allows buyers to pursue larger opportunities while maintaining similar financial leverage. Interest Rates and What to Expect SBA loans are known for their competitive interest rates, which are tied to the Prime Rate . The range typically falls between Prime + 0.75% and Prime + 2.75% for SBA loans above $500,000 . Where you fall within that range depends on two primary factors: Business Cash Flow : A strong and predictable cash flow may qualify for more favorable rates. Buyer Profile : Your experience, creditworthiness, and financial strength also play a role in determining the rate. To secure the best terms, it’s essential to present a well-prepared business plan and demonstrate your financial and operational capabilities. Key Advantages of SBA Financing SBA loans are structured to support buyers in acquiring businesses efficiently. Key benefits include: Lower Capital Requirements : A 3-5% equity injection makes ownership more accessible. Flexible Structuring : The inclusion of seller financing and the ability to utilize Pari Passu for larger deals provide adaptability. Preserved Cash Flow : Competitive interest rates help maintain financial stability and growth potential post-acquisition. Conclusion: SBA financing is an excellent option for structuring business acquisitions, offering flexibility, accessibility, and competitive terms. Whether you’re acquiring a business for $500,000 or over $5 million, understanding these components is vital to your success.…

My SBA Loan Pro Podcast

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SBA Financing For Franchise Startups 4:39

vor 15 weeks4:39

4:39

Host Introduction: In today’s episode, we’ll focus on SBA financing for franchise startups. If you’re thinking about starting your own franchise location, this is the roadmap you need to follow to secure financing and set yourself up for success. Let’s dive into the process. Understanding SBA Financing for Franchises SBA loans are an excellent option for funding franchise startup locations. They provide flexible terms, competitive interest rates, and the ability to finance many of the costs associated with launching a franchise. However, like any business loan, there are steps and upfront costs you need to address before submitting your application. Steps to Prepare for SBA Loan Submission To secure SBA financing, you’ll need to follow a series of essential steps: 1. Qualify with the Franchise Before anything else, you need to ensure you meet the franchise’s qualifications. Most franchises have specific requirements for financial stability, business experience, and operational readiness. It’s critical to get their approval before moving forward. 2. Buy Your Franchise Territory The next step is to purchase your franchise territory. This formalizes your agreement with the franchisor and lays the groundwork for your startup. 3. Find a Location Location is key to your franchise’s success. Once you’ve identified a viable site, you can proceed to the next step. 4. Execute a Letter of Intent (LOI) The LOI is a non-binding agreement that outlines the terms for leasing or purchasing your selected property. It’s an important document that lenders will want to review. 5. Hire an Architect & Apply For Permits At this stage, you’ll need to engage an architect to prepare detailed drawings and develop a preliminary construction budget. This budget should include all soft costs including permitting fees, materials, labor, and furniture, fixtures, and equipment (FF&E). Preparing Your Loan Application Once you’ve completed these steps, your SBA loan application is ready to be submitted to lenders. These items demonstrate to lenders that you have a clear plan and a viable business opportunity, both of which are essential for loan approval. Important Considerations for Borrowers It’s important to understand that many of these steps—such as paying for franchise fees, architectural drawings, and initial soft costs—must be completed before you’re guaranteed funding. This means you’ll incur some upfront expenses, which can feel risky. However, working with a trusted partner like ThinkSBA can make all the difference. We guide you through the process, ensuring that your efforts are focused, your expenses are justified, and your financing is positioned for approval. Our expertise gives you the peace of mind that your hard work will pay off. Conclusion: Launching a franchise startup is an exciting venture, but it requires careful preparation and strategic planning to secure SBA financing. By following the steps we’ve outlined and partnering with a trusted advisor like ThinkSBA, you can confidently navigate the process and position yourself for success.…

My SBA Loan Pro Podcast

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SBA Loan Legal Closing Process with Attorney Scott Oliver | Ep. 10 | My SBA Loan Pro Podcast 45:59

vor 22 weeks45:59

45:59

Join Ryan Smith, Principal and Founder of ThinkSBA and Attorney Scott Oliver with Lewis & Kappes as they delve into the intricacies of the SBA loan legal closing process, recent SOP changes, and the crucial role lender legal counsel plays in ensuring lender compliance. Gain valuable insights into Landlord Lien Waiver and Collateral Access Agreement, attorney negotiations, and the overall loan closing process. Whether you're a seasoned lender or a prospective SBA loan applicant, this podcast offers essential knowledge for successfully navigating the SBA loan application process from start to funding. Stay tuned for actionable tips and expert advice from Scott throughout this entire episode. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://x.com/mysbapro LinkedIn: https://www.linkedin.com/in/ryanpatryck/ Chapters: 00:00 - Introduction 00:55 - Scott's Bio 03:42 - Closing Process Overview 07:12 - Landlord Waivers and Negotiations 08:56 - Good vs. Bad Buy-Side Attorneys 11:23 - Uncommon Requests and Scenarios 14:15 - Flexibility of SBA Loan Documents 17:15 - Recent Changes to SOP Manual 20:37 - Process After Commitment Letter 26:10 - Partial Change of Ownership 36:22 - Forgivable Seller Note & Expansion Loans…

My SBA Loan Pro Podcast

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SBA 7(a) Pari Passu Lending To Acquire A Business With Bruce Marks | Ep. 9 | My SBA Loan Pro Podcast 1:19:30

vor 45 weeks1:19:30

1:19:30

Bruce Marks has made a career out of mastering lower middle market business acquisition financing by leveraging the SBA 7(a) loan program coupled with a Pari Passu conventional loan for loan requests that exceed the SBA's $5 Million borrowing limit. In this Episode Bruce pulls back the curtain revealing how to structure a Pari Passu loan for success by diving deep into risk assessment, the searcher, the target business along with working capital, quality of earnings report, debt service coverage ratio and a whole lot more. 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 Link to full episode: https://youtu.be/Q_7uIW6auD4 ⁠ 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 ⁠⁠⁠⁠https://youtube.com/@thinksba⁠⁠⁠⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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How To Properly Apply For An SBA Working Capital Term Loan 3:56

vor 45 weeks3:56

3:56

Working capital has many meanings and definitions depending on the application of funds. For the purpose of this podcast, I will define working capital as capital provided to a business to fund tangible recurring business expenses or capital expenditures. Working Capital For Growth As an SBA Loan Broker, I often receive inquiries from SMB owners for working capital to fund the growth of their business. Their definition of working capital is the transfer of funds from the lender's bank account to their bank account without any strings attached. This is not the definition of working capital. Let's set the record straight. Banks provide working capital to fund specific uses such as the purchase of equipment, furniture, fixtures, tenant improvements and fixed expenses such as rent, utilities, maintenance, and employee wages. Therefore, it is important to understand that in preparing your application to submit to SBA lenders, you will need an itemized list of what we call "Use of Proceeds." Just as it implies, the phrase "use of proceeds" simply means identifying the tangible items the funds will be used for by the borrower. To be crystal clear. When a borrower is requesting working capital for growth, they should not expect the funds to be sent to them without providing a detailed use of proceeds. Working Capital To Acquire a Business When applying for an SBA loan to acquire a business, lenders will nearly always provide working capital to sustain the borrower through the transition of the business. This typically includes working capital to pay up to 90 days of fixed expenses and what I refer to as "free working capital," which means the ability to spend the capital without strings attached. This amount of free working capital is normally small compared to the larger amount used for tangible capital expenditures or recurring fixed expenses. You Are Ready To Apply Now that you know how to properly prepare your application, you can successfully apply for working capital to grow your existing business or successfully transition a newly acquired business. If you liked this content, let's connect on social media: Instagram: ⁠⁠⁠https://instagram.com/mysbapro⁠⁠⁠ Twitter: ⁠⁠⁠https://x.com/mysbapro⁠⁠⁠ LinkedIn ⁠⁠⁠https://linkedin.com/in/ryanpatryck 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 ⁠⁠⁠⁠https://youtube.com/@thinksba⁠⁠⁠⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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SBA Loan Default Insights And Strategies with John Homan | Ep. 8 | My SBA Loan Pro Podcast 41:26

vor 46 weeks41:26

41:26

Join Ryan Smith, Principal and Founder of ThinkSBA, as he sits down with John Homan, esteemed SBA Loan Workout Specialist. John shares valuable insights into the intricacies of SBA loan defaults, including how to avoid defaulting, how lenders respond to non-payment to mitigation strategies. Discover how to safeguard your assets, negotiate settlements, and overcome challenges, all while maintaining a positive outlook. Don't miss this empowering discussion tailored for SBA loan guarantors facing defaulting on their loan payments. If you liked this content, let's connect on social media: Instagram: ⁠⁠https://instagram.com/mysbapro⁠⁠ Twitter: ⁠⁠https://x.com/mysbapro⁠⁠ LinkedIn ⁠⁠https://linkedin.com/in/ryanpatryck Chapters: 00:00 Introduction 00:29 - John's Bio 2:25 - Types of Loans 5:06 - Common Issues with SBA Loans 8:54 - Personal Guarantees and Collateral 10:53 - Asset Protection Strategies 12:29 - Handling Default and Settlements 16:22 - Repossession and Foreclosure 24:33 - Finding Help for SBA Loan Default 27:00 - Lender Aggressiveness 28:02 - Success Stories 31:21 - Due Diligence for SBA Loans 34:07 - Assessing Business Opportunities 37:02 - Contact John Link to full episode: https://youtu.be/w0S0tgSccTQ?si=BiYYCUf-5GwnUPEw ⁠ 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 ⁠⁠⁠https://youtube.com/@thinksba⁠⁠⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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SBA 504 Green Loan Program Explained With Sol Rosenbaum | Ep. 7 | My SBA Loan Pro Podcast 33:03

vor 47 weeks33:03

33:03

Ryan Smith, Principal and Founder of ThinkSBA, sits down with Sol Rosenbaum of SR Engineering and Consulting, a seasoned mechanical engineer with over two decades of experience in energy engineering. Discover how Sol's firm assists business owners in navigating the complexities of the SBA 504 Green program through meticulous assessments and engineering support. Learn about the two primary pathways—energy efficiency and renewable energy—and explore real-world case studies showcasing the tangible benefits for business owners. 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://x.com/mysbapro⁠ LinkedIn ⁠https://linkedin.com/in/ryanpatryck Chapters 0:00 - Introduction 01:14 - Sol's bio 02:41 - Qualifications & Program Requirements 03:43 - SBA Expectations 06:08 - Explaining SBA's 504 Guarantee Program 08:43 . Engagement Process & Data Collection 14:02 - Energy Efficiency vs. Renewable 15:53 - Geographic Considerations 18:26 - Structural and Municipality Concerns 19:30 - Timelines and Process for Report Preparation 24:37 - Case Studies 30:46 - Connect with Sol Link to full episode: https://youtu.be/c8RpLw9Vo2M?si=dd5TOeUZx2VnxsTl ⁠ 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 ⁠⁠https://youtube.com/@thinksba⁠⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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SBA Business Plans Made Easy With Bethany McClellan President of Rapid Business Plans 28:46

vor 49 weeks28:46

28:46

Join our Host Ryan Smith, Principal and Founder of ThinkSBA, as he interviews Bethany McClellan, President of Rapid Business Plans. Bethany dives into the world of crafting SBA ready Business Plans and Feasibility Studies removing anxiety from SBA loan applicants. Discover how Bethany's journey from corporate sales to entrepreneurship led to a thriving agency, assisting clients in various industries from gas stations to professional services. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Twitter: https://x.com/mysbapro LinkedIn https://linkedin.com/in/ryanpatryck Chapters 0:00 - Introduction 1:15 - Bethany's Bio 5:45 - Business Plan Process 7:52 - Information Needed 8:45 - Uncovering Valuable Insights 13:18 - Feasibility Study Breakdown 17:20 - Industries Served 18:23 - Being the Boss 20:45 - Future Growth Plans 22:04 - Bank & Underwriter Interactions 24:08 - What Makes a Good Client? 25:20 - Clients served 26:39 - Contact Bethany Link to full episode: https://youtu.be/k8szIEHUAgs?si=Y0I-jXWeqftWQb8P 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 ⁠https://youtube.com/@thinksba⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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Purchase Order Financing Factoring & Asset-Based Lines of Credit for B2B Businesses with Fernando Ponce 39:45

vor 52 weeks39:45

39:45

In this episode of the My SBA Loan Pro Podcast Face to Face, Ryan Smith, Principal & founder of ThinkSBA sits down with Fernando Ponce, Business Development Officer at Primary Funding, a non-traditional lending source based in San Diego, California specializing in Purchase Order Financing, Factoring and Asset-Based Lines of Credit. Learn how non-traditional lending can bridge the gap for B2B businesses who are unable to secure traditional financing due to negative historical cash flow, tightening of debt markets or spontaneous rapid growth. 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 00:00 - Introduction 01:11 - Fernando Ponce's Bio 04:20 - Primary Funding's Role 06:57 - Types of Financing Offered 11:36 - Factoring as a Financing Solution 12:15 - Transparency and Flexibility in Financing 15:47 - Industry Challenges and Red Flags 23:42 - Business Funding Process 26:22 - Industries Eligible for Funding 29:51 - Challenges in Closing Credit Facilities 31:13 - Importance of Transparency 37:30 - When and How To Contact Fernando Link to full episode: https://youtu.be/0Y8x32Y6xsM?si=Uj9vSNG1WMkPb20- 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 https://youtube.com/@thinksba - YouTube Channel…

My SBA Loan Pro Podcast

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Family-Owned Commercial Real Estate: Transition, Succession and Exit Planning With Glenn Arnold 29:48

vor 1 year29:48

29:48

In this episode of The My SBA Loan Pro Podcast Face to Face Glenn Arnold with Voit Real Estate reveals transition, succession and exit strategies for privately held, family owned business owners who also own the real estate. Glenn Arnold is a Real Estate Broker who's been representing buyers and sellers of owner occupied real estate for thirty years. 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 Chapters 00:00 - Introduction 00:37 - Meet Glenn Arnold 1:28 - Buying vs Leasing 2:48 - Reasons to Consider Owning 4:01 - CPA Input 4:38 - Potential Tax Efficiencies 4:51 - Occupancy Cost Comparison 7:27 - Steady & Predictable Growth 8:07 - Down Payment Considerations 10:33 - Short-Term Business Ownership 12:26 - Cash Flow Impact 14:14 - Comfort Owning Real Estate 14:36 - Long-Term Commitment 16:02 - Real Estate as Wealth Building 17:15 - Business Value vs Real Estate Value 18:02 - Specialized Improvement 21:06 - Choosing the Best Exit Vehicle 27:00 - Factors Influencing the Strategies 31:52 - Strategic and Financial Analysis 36:46 - Challenges Faced by Business Owners 41:11 - Case Study 47:22 - How to Contact Glenn Link to full episode: ⁠https://youtu.be/Cl8776oj91c 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 ⁠https://youtube.com/@thinksba⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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Best Practices To Lease and Purchase Owner Occupied Real Estate With CRE Broker Bryan Geisbauer 48:01

vor 1 year48:01

48:01

Welcome to another insightful episode of the My SBA Loan Pro Podcast Face To Face! In this episode Ryan Smith, Principal and Founder of ThinkSBA, engages in an insightful discussion with Bryan Geisbauer, a seasoned Tenant Representative and Commercial Real Estate Broker with Kidder Matthews. Brian leverages his 20 plus years experience, to level the playing field for business owner leasing space or purchasing Owner Occupied Real Estate. 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 Chapters: 00:00 - Introduction 00:53 - Bryan Geisbauer's Bio 01:58 - Tenant Representation 06:54 - Lease Negotiation Mistakes 10:44 - Defensive vs. Offensive Lease Strategies 14:41 - Lease Dynamics and Tenant Improvement Allowance 17:23 - Role of Tenant Representatives 18:33 - Transitioning to Property Ownership 27:53 - Due Diligence in Commercial Real Estate 30:00 - Commercial Real Estate Timelines 35:40 - Trust and Concessions in Real Estate 39:09 - Risks of Hiring Residential Brokers 40:53 - Lease to Ownership Transition 46:17 - When and How To Contact Bryan Link to full episode: https://youtu.be/asO0lrRsmq0 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 ⁠https://youtube.com/@thinksba⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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Mastering Main Street M&A: Legal Tips And Best Practices with Jake Parsley SMB Law Group 39:24

vor 1 year39:24

39:24

The SMB Law Group has burst onto the scene providing much needed legal advice to the ETA community who are pursuing main street business acquisitions often times funding the acquisition with an SBA 7(a) loan. It's refreshing to collaborate with attorneys who are familiar with SBA financing and are therefore able to help searchers structure their deal to comply with SBA eligibility requirements. In this episode of the My SBA Loan Pro Podcast, our Host Ryan Smith, interviews Jake Parsley, M&A Attorney with the SMB Law Group as he reveals crucial insights into the legal process of Main Street business acquisition transactions. Learn when to engage an attorney, cost considerations, and the significance of the Letter of Intent (LOI) and Purchase Agreement and everything in between. Together, they delve into the intricacies of M&A transactions, shedding light on the vital role attorneys play in mitigating risks and ensuring a smooth deal process. 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 Chapters 00:00 - Introduction 1:05 - Jack Parsley's Bio 2:17 - SMB Law Group And Focus on Main Street 4:07 - Attorney's Role in M&A Transactions 5:22 - When To Engage An Attorney 7:13 - Life Cycle of a Deal 9:18 - Critical Aspects of the Letter of Intent (LOI) 12:36 - Exclusivity & Purchase Price in LOI 13:08 - Changing Terms in LOI 13:44 - Seller Note Terms 15:52 - Offsetting Seller Note 19:37 - Leveraging Earnest Deposits 24:28 - Are Seller Notes Common? 26:36 - Buyer Deposits and Due Diligence 27:49 - LOI vs. Purchase Agreement 32:19 - Skipping LOIs: Pros and Cons 35:16 - Trustworthiness in The Transaction 37:27 - When and How To Contact Jake 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 ⁠https://youtube.com/@thinksba⁠ - YouTube Channel…

My SBA Loan Pro Podcast

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Top 12 Reasons Why Business Owners Should Buy Owner Occupied Real Estate With Glenn Arnold 21:39

vor 1 year21:39

21:39

Welcome to a new episode of the My SBA Loan Pro Podcast Face-to-Face, where we dive deep into the world of buying and selling Owner Occupied Commercial Real Estate! Many business owners face the question whether to buy their office space instead of leasing. This question can cause excitement or anxiety. Either way many business owners put off this important decision and miss out on this lesser known wealth building strategy. In this episode, Glenn Arnold with Voit Real Estate Services gives the top 12 reasons why a business owner should consider buying their office space. Glenn has accumulated this list from his over thirty years experience helping business owners sell and buy their owner occupied real estate. 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 Chapters: 00:00 - Introduction 00:37 - Meet Glenn Arnold 1:28 - Buying vs Leasing 2:48 - Reasons to Consider Owning 4:01 - CPA Input 4:38 - Potential Tax Efficiencies 4:51 - Occupancy Cost Comparison 7:27 - Steady & Predictable Growth 8:07 - Down Payment Considerations 10:33 - Short-Term Business Ownership 12:26 - Cash Flow Impact 14:14 - Comfort Owning Real Estate 14:36 - Long-Term Commitment 16:02 - Real Estate as Wealth Building 17:15 - Business Value vs Real Estate Value 18:02 - Specialized Improvement 21:06 - Choosing the Best Exit Vehicle 27:00 - Factors Influencing the Strategies 31:52 - Strategic and Financial Analysis 36:46 - Challenges Faced by Business Owners 41:11 - Case Study 47:22 - How to Contact Glenn 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 ⁠https://youtube.com/@thinksba⁠ - YouTube Channel…

My SBA Loan Pro Podcast

1
The King of QofE Elliott Holland and My SBA Pro Ryan Smith Discuss Quality Of Earnings Reports 40:38

vor 1 year40:38

40:38

In this inaugural episode of the My SBA Loan Pro Podcast: Face to Face, Ryan interviews the King of QoE, Elliott Holland, owner and operator of Guardian Due Diligence. Elliott is an Ivy League graduate, self-funded searcher, and quality of earnings expert. Elliott's primary role in serving the SMB Community is to find the hidden skeletons in business acquisition transactions, protecting his clients from buying businesses that aren't what they seem. 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 Chapters: 00:00 - Introduction 01:11 - SMB Background 04:08 - SMB Passion 18:20 - Financial Statements & Tax Returns 33:16 - Learning to Trust the Expert 35:15 - How to contact Elliott Link to full episode: ⁠ https://youtu.be/cOZQ05iQAqU 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 ⁠https://youtube.com/@thinksba⁠ - YouTube Channel…

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