Best SBA FM Podcasts (2025)

1
Demystifying Group Health Benefits with Jim Morrison | Ep. 13 | My SBA Loan Pro Podcast 47:43

5d ago47:43

47:43

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 ste…

1
Life Settlements Explained with Philip Giordano | Ep. 12 | My SBA Loan Pro Podcast 50:04

1M ago50:04

50:04

Unlock the hidden value in your life insurance policy! In this episode, Phil dives into the world of life settlements—what they are, who qualifies, and when selling your policy could be a smart move. Hear real stories of clients who received far more than their cash surrender value and discover the key signs that it might be time to explore your op…

1
How To Deliver Unreasonable Value with M&A Advisor Tim Malott | Ep. 11 | My SBA Loan Pro Podcast 32:13

2M ago32:13

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 …

1
A Primer To SBA Financing For Business Acquisitions 4:58

5M ago4:58

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 major…

1
SBA Financing For Franchise Startups 4:39

5M ago4:39

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 opti…

1
SBA Loan Legal Closing Process with Attorney Scott Oliver | Ep. 10 | My SBA Loan Pro Podcast 45:59

7M ago45:59

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…

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

12M ago1:19:30

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 succes…

1
How To Properly Apply For An SBA Working Capital Term Loan 3:56

12M ago3:56

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 fo…

1
SBA Loan Default Insights And Strategies with John Homan | Ep. 8 | My SBA Loan Pro Podcast 41:26

12M ago41:26

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 settlemen…

1
SBA 504 Green Loan Program Explained With Sol Rosenbaum | Ep. 7 | My SBA Loan Pro Podcast 33:03

1y ago33:03

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 enginee…

1
SBA Business Plans Made Easy With Bethany McClellan President of Rapid Business Plans 28:46

1y ago28:46

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 thri…

1
Purchase Order Financing Factoring & Asset-Based Lines of Credit for B2B Businesses with Fernando Ponce 39:45

1y ago39:45

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-tr…

1
Family-Owned Commercial Real Estate: Transition, Succession and Exit Planning With Glenn Arnold 29:48

1y ago29:48

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 year…

1
Best Practices To Lease and Purchase Owner Occupied Real Estate With CRE Broker Bryan Geisbauer 48:01

1y ago48:01

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 th…

1
Mastering Main Street M&A: Legal Tips And Best Practices with Jake Parsley SMB Law Group 39:24

1y ago39:24

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 de…

1
Top 12 Reasons Why Business Owners Should Buy Owner Occupied Real Estate With Glenn Arnold 21:39

1y ago21:39

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 …

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

1+ y ago40:38

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 busines…

1
Demystifying The SBA Loan Application Process - Defining The Term Retrade 4:26

2y ago4:26

4:26

Seldom are surprises welcomed when applying for an SBA loan to acquire a business, execute a change of ownership or purchase real estate. In fact, surprises usually mean a change in terms which may affect the loan's outcome or desirability. The official term for this phenomenon is Retrade. The term retrade simply means the practice of renegotiating…

1
How To Bulletproof Your Business Acquisition 39:28

2y ago39:28

39:28

All self funded searchers pursuing ETA, listen up. This podcast episode contains a comprehensive overview of the acquisition process including the following topics. After listening to this episode you will be equipped with the tools and information to make better decisions on your journey. Sell Seller Legal Team Landlord Financing Business Transfer…

1
SBA Procedural Notice SOP Update 2023 10:07

2y ago10:07

10:07

The SBA has published updates to the Standard Operating Procedures manual replacing SOP 50 10 6 with SOP 50 10 7. These updates will become effective August 1, 2023. There has been much debate when and how lenders will implement these updates. The short answer is we’ll have to wait and see. For now it’s enough to understand the enormous changes tha…

1
SBA Loans Industry Update May 1, 2023 26:43

2y ago26:43

26:43

Welcome to another episode of the My SBA Loan Pro Podcast: SBA Loans Industry Update May 1, 2023. In today's episode Ryan will cover the following topics: Lender Appetite Interest Rates Upcoming SBA Rule Changes SBA Behind The Curtain: Everything you need to know about SBA lending that you never knew to ask Remember to subscribe to this podcast to …

1
My SBA Loan Pro SBA Financing Industry Update For February 2023 15:44

2y ago15:44

15:44

In this episode, your SBA Loan Pro, Ryan Smith covers the following SBA Financing Topics: Access to capital Types of transactions being financed Lender processing times Current 7(a) & 504 loan interest rates Interest rates for prime borrowers Bonus Content - Behind The Curtain of SBA Financing If you liked this content, let's connect on social medi…

1
SBA Financing For Residential Care Facilities For The Elderly 4:08

2y ago4:08

4:08

Residential Care Facilities for the Elderly (RCFE’s) have become the housing model of choice for our senior population and their loved ones due to the fact that many require increased accessibility, social connectivity, and medical support services that living at home simply cannot provide. As the name implies, RCFE’s, also called assisted living f…

1
Collateral Assignment of Life Insurance Requirement For SBA 7(a) & 504 Loan Programs 4:49

3+ y ago4:49

4:49

Life insurance is a contract between a policyholder and insurer where the insurer promises to pay the insured's beneficiary an agreed amount upon their death. The most common application is between heads of household and their dependents. Life insurance is also used by commercial lenders as a risk mitigation strategy for loan applicants of privatel…

1
SBA 7(a) & 504 Real Estate Purchase Loan Application From Start To Funding 6:18

4y ago6:18

6:18

The most frequently asked question I receive by far is how long does the loan application process take to complete from start to finish. The quick answer is 45 - 60 days. The honest answer is it takes as long as necessary to complete all steps in the process. The next logical question is what are the steps. Here is a list of each step in order with…

1
SBA 7(a) Business Acquisition Loan Application From Start To Funding 5:34

4+ y ago5:34

5:34

The most frequently asked question I receive by far is how long does the loan application process take to complete from start to finish. The quick answer is 45 - 60 days. The honest answer is it takes as long as necessary to complete all steps in the process. The next logical question is what are the steps. Here is a list of each step in order with…

1
ThinkSBA Small Business SBA Loan Experts 2:16

4+ y ago2:16

2:16

Applying for a small business loan can be stressful, grueling and confusing when you hear the dreaded NO from your bank. Does this sound familiar? Hello, my name is Ryan Smith, Principal Broker and Founder of ThinkSBA. If you are listening to this podcast it’s likely you are a small business owner or entrepreneur who is purchasing real estate, acqu…

1
SBA 7(a) Business Acquisition Loan Series - Seller Discretionary Earnings 5:55

4+ y ago5:55

5:55

Seller Discretionary Earnings referred to as SDE equals net profit, which is the sum of annual revenue minus expenses, plus add-backs of seller discretionary spending. SDE directly impacts enterprise value, buyers equity injection, loan amount, seller carry amount, and debt service coverage ratio which ultimately determines whether a loan applicati…

1
Demystifying The SBA Loan Application - Crossing The Finish Line! 4:42

4+ y ago4:42

4:42

The most important step in the SBA loan application process is closing the loan. This is obvious, right? You would think so. However, many applicants make the mistake of focusing their attention on closing after it’s too late, and they've missed a critical step or piece of information that inevitably prevents them from closing the loan. An SBA loan…

1
The Benefits of Hiring an SBA Small Business Loan Broker 5:15

4+ y ago5:15

5:15

Navigating the SBA loan program and application process can be complicated. For starters, the entire SBA loan program, including borrower eligibility requirements and all policies and procedures, is governed by the SBA’s Standard Operating Procedures Manual also known as the SOP for short. The SOP is a 400 page document filled with industry jargon …

1
The Science of SBA Loan Approval 7:08

4+ y ago7:08

7:08

Are you a business owner or entrepreneur applying for an SBA loan or planning to in the near future? If your answer is yes, then keep listening because this podcast was recorded specifically for you. In this podcast I reveal the science of obtaining SBA loan approval. That’s right, being approved for an SBA loan is a science and is based on the fol…

1
Why The SBA 7(a) Loan Program Is The Best Financing Option To Buy-Out A Partner 4:39

4+ y ago4:39

4:39

Business succession planning is vital to the longevity of any business. This is especially true when a business is owned by two or more individuals, for seldom do business partners share the same retirement and life goals. Therefore, a business is most likely to experience an interruption or even worse, the ceasing of operations altogether, when on…

1
Demystifying The SBA Loan Application - The Commercial Appraisal Report 4:34

4+ y ago4:34

4:34

Business owners purchasing or refinancing commercial real estate financed by an SBA 504 or 7a loan are required to hire a certified commercial appraiser to prepare a commercial real estate appraisal report which includes the “as is” value of the subject property on the day the report is delivered to the lender. Every loan applicant needs to know th…

1
SBA Loan Update - August 8, 2020 14:33

4+ y ago14:33

14:33

The World of SBA Lending - 0:46 SBA Lenders are actively approving and closing loans. Everyone's pipelines are flush with loan originations. Underwriting is taking up to three weeks with the loan package sitting in the queue for nearly two of those three weeks. 25 year fixed Interest rates are as low as 2.9% for SBA 7(a) real estate purchases and r…

1
Demystifying The SBA Loan Application - Landlord Lien Subordination And Collateral Access Agreement 5:09

4+ y ago5:09

5:09

The Landlord Lien Subordination And Collateral Access Agreement is required to be executed during the loan closing process when an applicant receiving an SBA loan has secured an interest in real property through a commercial lease. Parties to the agreement include the SBA Lender, who is referred to as the Lender, the SBA loan applicant, who is refe…

1
Demystifying The SBA Loan Application - SBA Standby Creditor’s Agreement Form 155 6:14

5y ago6:14

6:14

Contrary to popular opinion SBA Loans are quite flexible. Case in point, The SBA Standby Creditor’s Agreement. This Agreement establishes the interest rate and loan terms of a promissory note between the buyer, referred to as the Standby Borrower and the Seller, referred to as the Standby Creditor, to mitigate three fundamental credit weaknesses in…

1
Demystifying The SBA Loan Application - The Gift Letter 3:32

5y ago3:32

3:32

There are many instances where borrowers applying for an SBA loan to purchase real estate, acquire a business or franchise or obtain working capital for growth do not possess the required 10% minimum equity injection. The good news is that the SBA permits the applicant to receive a monetary gift to assist with the equity injection. This gift may be…

1
Demystifying The SBA Loan Application - SBA Fee Disclosure and Compensation Agreement Form 159 4:45

5y ago4:45

4:45

November 1st, 2018 the SBA combined SBA Form 159(7a) and SBA Form 159(504) into one form known simply as Form 159. Form 159 requires applicants to disclose services and fees charged by an Agent hired in connection with applying for an SBA loan whether a 7(a) or 504. The purpose of this form is threefold. To reduce fees paid by applicants in connect…

1
Demystifying The SBA Loan Application - SBA Schedule of Liabilities Form 2202 4:35

5y ago4:35

4:35

Form 2202 must be completed on behalf of the subject business requesting the loan and all affiliate businesses. Affiliate businesses are defined by the SBA as any business owned 51% or more by a 20% or more owner of the subject business. Form 2202 documents the subject business and affiliate businesses monthly debt obligations which is essential to…

1
The State of SBA Lending Address 11:04

5y ago11:04

11:04

Hello and welcome to the State of SBA Lending Address presented by yours truly, Ryan Smith, Principal and Founder of ThinkSBA. I help business owners and entrepreneurs find the right loan to purchase real estate, acquire a business or franchise or obtain working capital to grow or start their business. State of SBA Lending Address Topics Recent upd…

1
Demystifying the SBA Loan Application - SBA Statement of Personal History Form 912 3:56

5y ago3:56

3:56

The SBA Statement of Personal History Form 912 must be completed by everyone who answers yes to questions 18 or 19 on SBA 7(a) Borrower Information Form 1919, Section II: Principal Information. These questions ask whether the individual principal applying has been arrested within the last six months or whether they have EVER, I want to stress EVER,…

1
Demystifying the SBA Loan Application - SBA 7(a) Borrower Information Form 1919 4:30

5y ago4:30

4:30

The SBA 7(a) Borrower Information Form 1919 is required to be completed by every individual with 20% or more ownership in the applicant business entity whether applying for an SBA 7a or 504 loan. Completing this form is not complicated but there are a few things that are important to know. First, the form consists of 26 questions spanning two secti…

1
Demystifying The SBA Loan Application - Form 413 Personal Financial Statement 4:02

5y ago4:02

4:02

The Personal Financial Statement, often referred to as a PFS for short, is one of the most important documents to the loan application. The PFS must be completed by all individuals who own 20% or more of the borrowing entity and is to include all personal assets, liabilities, annual income and debt obligations. I want to stress personal financial i…

1
Why The SBA 7(a) Loan Program Is The Best Financing Option To Acquire An Existing Business 5:40

5y ago5:40

5:40

One of the most popular ways to become a business owner is to acquire an existing business. And the easiest way to qualify for financing is through the SBA 7a program. Before I highlight the advantages of the 7a program, I’d first like to raise the point that acquiring an existing business is not always the best route to becoming a business owner. …

1
Answers To The 10 Most Frequently Asked Questions I’ve Received Regarding PPP Loans 3:55

5y ago3:55

3:55

In this episode I will answer the 10 most frequently asked questions I have received from business owners regarding the Paycheck Protection Program. Can I use loan proceeds to hire new staff? The answer is no, you must maintain current employment levels or re-hire employees laid off or furloughed and use 75% of loan proceeds on payroll. Can I use l…

1
How To Finance Ground Up Construction And Tenant Improvements With The SBA 504 & 7(a) Loan Programs 4:05

5+ y ago4:05

4:05

Often business owners will want to acquire raw land and build or improve an existing commercial building to suit their unique business model and company culture.The SBA 504 and 7a Loan Programs are designed perfectly to meet this purpose. If you are currently contemplating whether to buy raw land to build or improve an existing building you’ll want…

1
How To Build Wealth Through The SBA 504 Loan Program 3:04

5+ y ago3:04

3:04

How To Build Wealth Through The SBA 504 Loan ProgramThe SBA 504 Loan Program is a Federal Government Guarantee program designed to incentivize business owners to purchase commercial real estate to occupy their business. Be sure to browse other episodes in the SBA FM podcast library for more in depth knowledge of the SBA 504 loan program.A few notab…

1
How To Avoid The Pre-Payment Penalty Trap 3:11

5+ y ago3:11

3:11

Many small business owners are unfamiliar with pre-payment penalties associated with purchasing or refinancing commercial real estate through the SBA 504 or 7a guaranteed loan programs. So let me educate you on what they are and how you can avoid the pre-payment penalty trap.A pre-payment penalty is a fee charged by a lender to the borrower for mak…

1
Are All SBA Lenders Created Equal? 3:02

5+ y ago3:02

3:02

The answer is no, not all SBA lenders are created equal. That’s because each lender applies the Small Business Administration’s Standard Operating Procedures manual, also referred to as the SOP, differently. For example, some lenders have developed internal lending policies that are more stringent than the SOP. These lenders favor prime borrowers w…

1
What Is An SBA Non-Bank Lender And Why Do They Exist? 3:14

5+ y ago3:14

3:14

An SBA non-bank lender is a financial institution that does not accept customer deposits. Their sole reason for existing is to lend money to eligible small businesses in their community. On the other hand, a bank is a financial institution that solicits monetary deposits from their customers and in turn loans these funds to other customers such as …

Podcasts Worth a Listen

SBA FM Podcasts

Podcasts Worth a Listen