All Episodes

After nearly 20 years in banking and financing hundreds of business acquisitions, I finally became the buyer. In this episode of My SBA Loan Pro Podcast, I share the complete story of buying my first business—a profitable trampoline park—and the lessons I learned before, during, and after the acquisition. ▶️We discuss:➡️Why I chose to buy an existing business instead of starting one ➡️How I evaluated cash flow and risk before making an offer ➡️What I discovered during due diligence ➡️The financing structure and negotiations behind the deal ➡️The biggest surprises after taking ownership ➡️Why cleaning up the business didn't automatically increase profits ➡️Cash flow, taxes, and wealth-building strategies every buyer should understand ➡️My advice for first-time business buyers and entrepreneurs ➡️Why I'm already searching for my next acquisition Whether you're considering buying a business, exploring SBA financing, or interested in Entrepreneurship Through Acquisition (ETA), this episode offers practical insights from someone who has been on both sides of the table—as a banker and now as a business owner. If you're serious about business acquisitions, SBA loans, and building long-term wealth through entrepreneurship, make sure to subscribe for more episodes.🎙️ Hosted by Ryan Smith 👨‍⚖️ Featuring Estate Planning Attorney Rodney Hatley More ThinkSBA Resources⁠https://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

99% of people make this one mistake—and it quietly holds them back from success.In this podcast episode, we explore why most people struggle to stand out, the mindset shifts that separate successful individuals from everyone else, and the common mistakes that limit career and business growth.Whether you're an entrepreneur, business owner, professional, or someone looking to improve your career, this conversation offers practical insights you can apply immediately. ✅In this episode, you'll learn:➡️Why most people fail to stand out ➡️The biggest career and business mistakes ➡️How successful people think differently ➡️Practical strategies for long-term success ➡️Actionable advice you can use today ▶️Timestamps:00:00 Why You Can't Be Good at Everything 00:20 Find Your Unique Strength 00:52 Meet Melissa – Real Estate Success Story 01:31 Learning Sales Through Cold Calling 03:11 How She Got Into Real Estate 03:35 The Cold Call That Changed Her Life 04:58 The Power of Work Ethic 06:31 Building a Top Real Estate Career 07:09 Finding a Profitable Niche 08:26 Adapting to Market Changes 09:52 Becoming the Official Padres Real Estate Agent 12:15 Giving Back to the Community 15:12 Awards & National Recognition 18:11 Why Real Estate Is More Than a Career 19:54 How She Serves Busy Business Owners 23:44 Why You Must Stand Out 24:11 Is Now the Right Time to Buy a Home? 26:10 Smart Home Buying Strategy 29:34 Advice for Entrepreneurs 30:15 Find What Makes You Different 33:20 Success Comes From Hard Work 34:06 Why Professionalism Still Matters 36:04 Will AI Replace Real Estate Agents? 37:46 Final Thoughts More ThinkSBA Resources⁠https://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

Are you a business owner, entrepreneur, or high-net-worth family looking to protect your assets and avoid probate? In this episode of the My SBA Loan Pro Podcast, estate planning attorney Rodney Hatley breaks down everything you need to know about living trusts, irrevocable trusts, asset protection strategies, probate, estate taxes, healthcare directives, and wealth preservation.Learn how successful business owners structure their companies and trusts to safeguard wealth, minimize taxes, and create long-term financial security for their families. Rod also shares practical strategies for protecting inherited assets from lawsuits, creditors, and divorce settlements.▶️In This Episode: ➡️Living Trust vs Irrevocable Trust explained ➡️How to avoid probate court ➡️Asset protection strategies for entrepreneurs ➡️LLCs, S Corporations & business structuring ➡️Estate tax planning for wealthy families ➡️Protecting family wealth across generations ➡️Healthcare directives & powers of attorney ➡️How adult children can help aging parents plan their estate ➡️Why funding your trust is critical ➡️Trust planning mistakes business owners makeWhether you're a startup founder, real estate investor, small business owner, or simply planning for your family’s future, this episode delivers valuable estate planning insights every American family should understand. Key Chapters: 00:00 – Intro & Why Estate Planning Matters 01:08 – Rod Hatley’s Background & Navy JAG Experience 04:52 – How Probate Works & Why It Can Take Years 08:12 – Living Trusts Explained for Business Owners 10:28 – Revocable vs Irrevocable Trusts 14:35 – How Wealthy Families Use Trusts to Protect Assets 18:22 – Can You Put Your Home in an Irrevocable Trust? 23:40 – How Business Owners Protect Their Companies & Wealth 27:05 – Asset Protection Strategies for Entrepreneurs 30:15 – Protecting Family Wealth From Lawsuits & Divorce 34:42 – Estate Planning for Children & Future Generations 39:18 – Healthcare Directives & Power of Attorney Explained 45:10 – Why Funding Your Trust Is Critical 49:20 – LLCs, S Corporations & Avoiding Probate  53:08 – Best States for Asset Protection (Wyoming & Nevada)  57:12 – Estate Taxes & High-Net-Worth Planning  01:01:35 – How to Talk to Aging Parents About Estate Planning  01:07:02 – Preventing Family Conflict & Inheritance Disputes  01:11:44 – Final Estate Planning Advice for Families & Business Owners More ThinkSBA Resources⁠https://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, host Ryan Smith is back in the studio with Kalen Foster to break down a complex pari passu transaction that took over two years to get across the finish line. They pull back the curtain on what happens behind the scenes of complex SBA deals and show how expert-level knowledge of the guidelines can turn a highly challenging file into a successful closing. This specific deal involved borrowers operating a daycare and a Montessori school who were looking to acquire a new business and real estate while also refinancing existing high-interest debt. Because the transaction exceeded the $5 million SBA aggregate limit, the lending team had to employ advanced structuring to make the numbers work. Key Takeaways from this Episode: Structuring Large Transactions: How the team managed an $8 to $9 million deal using a pari passu structure alongside the SBA loan.Navigating SBA SOPs: Why deeply understanding the SBA Standard Operating Procedures (SOP) is critical, and why lenders must meticulously interpret the rules to ensure eligibility.Overcoming Setbacks: How the team navigated changing SBA rules over the two-year timeline, including evolving affiliation rules and guarantee requirements for owners.Creative Problem Solving: How the team utilized different NAICS codes between the daycare and Montessori businesses to separate lending buckets and maximize funding. Key Chapters: 00:00 - Introduction: The Two-Year Pari Passu Deal 01:31 - Client Background & Deal Needs 02:34 - Deal Complexity & Borrower Sophistication 04:44 - Keeping the Deal Alive Through Setbacks 07:23 - Initial Structuring & Real Estate Hurdles 10:20 - Utilizing NAICS Codes for Separate $5M Limits 12:23 - Navigating SBA Ownership & Guarantee Rules 14:55 - Securing the SBA eTRAN Approval 17:03 - The Importance of Bank & Banker Expertise 20:01 - Winning the Deal with Structure & Servicing 22:36 - Becoming a Student of the SBA SOP 24:55 - Adapting to Changing SBA Rules Over Time More ThinkSBA Resources⁠https://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

How do you expand a successful business and buy commercial real estate when the project exceeds the $5 Million SBA loan limit—and you want to do it with 100% financing? In this clip, Kalen Foster breaks down a real-world scenario of a Southern California family entertainment business looking to duplicate its success in a new location. We dive deep into the SBA rules that make this possible and how to structure a winning deal. 🔑 In this video, you'll learn: • The 10% Rule: The critical difference between a "Change of Ownership" (which requires a 10% equity injection) and a "Business Expansion" (which can technically be done with 0% down). • Exceeding the $5M Limit: How to use a pari-passu loan structure to fund projects that go beyond the standard SBA maximum limit. • What Lenders Look For: Why strong historical cash flow, low debt, and proven operational success are the true keys to securing a zero-equity expansion loan. • The Vetting Process: How top institutions evaluate high-growth projects to ensure stability and success for both the business and the bank. If you are a business owner looking to scale, buy commercial real estate, or understand your complex financing options, this breakdown is for you! 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 More ThinkSBA Resources⁠https://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

Unlocking Capital For California Entrepreneurs and Small Business OwnersIn this episode, we sit down with Juan Carlos, President and CEO of California Southern, to explore how the state guarantee program provides alternative financing for small businesses.After building a robust lending career in Chicago, Juan Carlos moved to San Diego to help business owners secure capital when conventional or SBA routes hit a wall. We dive deep into how this program bridges the gap for entrepreneurs, offering a lifeline to those who don't fit into the  SBA's guidelines. 📌 Key Takeaways from this EpisodeThe Power of the CA Guarantee Program: Learn how this state-funded program acts as a safety net for local lenders, guaranteeing up to 80% of a loan with a maximum exposure cap of $5 million to help business owners get approved.SBA Ineligible? No Problem: Discover how businesses that are typically deemed ineligible by the SBA—such as certain pure real estate investments or specific industries—can successfully utilize this alternative funding route.Highly Flexible Terms: Unlike the SBA's strict, top-down structure, the state guarantee program allows individual lenders the freedom to negotiate and set their own interest rates, terms, and covenants.The "Five-Legged Stool" of Lending: Juan Carlos breaks down the traditional "5 Cs of Credit," explaining how strong performance in one area can mitigate weaknesses in another, such as a shortfall in collateral.Term Out Options: If a borrower's needs change, the program allows for flexible adjustments, including converting a line of credit into a fully amortized term loan of up to five years.Creative Deal Structuring: Hear real-world examples of how lenders can use this program for business acquisitions, real estate purchases, equipment purchases, tenant improvements, and working capital.Key Chapters: 00:00 - Podcast Introduction 07:41 - Bridging the Gap: SBA Ineligible Businesses 12:41 - Program Eligibility & Prohibited Industries 17:36 - Underwriting Guidelines & Flexible Interest Rates 22:29 - Funding Sources: State Trust vs. Taxpayer Dollars 25:21 - Loan Limits, Guarantee Maximums, and Terms 30:00 - Term Out Options & Flexible Renewals 40:52 - Heavy Users: CDFIs vs. Community Banks 49:00 - Collateral Requirements & 504 Look-Alikes 54:31 - Funding Lawful Permanent Residents (LPRs) & Refinancing SBA Loans More ThinkSBA Resources⁠https://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

What happens when a disgruntled employee or angry customer attacks your small business online? Protect your company's reputation with expert crisis management strategies from Dave Oates, founder of PR Security Service. In this episode of the My SBA Loan Pro podcast, host Ryan Smith and Dave Oates break down exactly how business owners should handle negative online backlash, viral social media complaints, and internal company crises. Drawing from his 30 years of experience as a US Navy Public Affairs Officer and corporate marketing executive, Dave shares actionable steps to bulletproof your brand. Key Topics Covered:The Real Source of Business Crises: Why over 50% of PR disasters stem from disconnected or wrongfully terminated employees posting on platforms like Yelp, Glassdoor, and TikTok.The 60-Minute Response Rule: Why you must issue a statement combining empathy and clear action within the first hour to maintain public grace.Reputation Monitoring: How to use free tools like Google Alerts to track what people are saying about your management team and brand.Digital Footprint Defense: The importance of building a robust internet presence so negative comments don't dominate your search results or generative AI summaries.Crisis Preparation: Why drafting communication templates for likely scenarios (like network outages or product issues) minimizes financial disruption.Whether you're an everyday Main Street business owner, an exhausted landlord, or an M&A advisor looking to bring maximum value to your clients, this episode is packed with actionable insights to keep more money in your pocket and out of Uncle Sam's. Subscribe to My SBA Loan Pro for more expert interviews on deal structuring, wealth preservation, and business acquisition strategies! Key Chapters: 00:00 - Podcast Introduction 03:00 - Military Background and Finding Public Affairs 07:23 - Transitioning to Tech PR and the Private Sector 12:26 - The Promotional Marketing Era 14:37 - Surviving Industry Shifts and Pivoting to Crisis PR 20:19 - Financing the Pivot and Learning from Bad Leadership 25:16 - Real-World Cases: High-Profile Scandals and COVID-19 31:25 - The Most Common Sources of Business Crises 35:52 - Who Calls for Crisis PR and Initial Strategies 39:48 - Inside the Situation Room: The First 60 Minutes 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

Are you preparing to sell a highly appreciated business, investment property, or even your primary residence, but dreading the massive tax bill that comes with it? In this episode of the My SBA Loan Pro Podcast, host Ryan Smith sits down with financial strategist John Dudeck to unpack a powerful, underutilized tax-mitigation tool: Structured Installment Sales. Instead of taking a massive tax hit in a single year, John explains how sellers can leverage this strategy to safely defer capital gains, wipe out certain investment taxes, and create a predictable, guaranteed income stream for retirement. Key Takeaways in This Episode:The Double Whammy: Why traditional cash-out exits destroy your hard-earned equity through maximum Federal, State, and Net Investment taxes.Traditional vs. Structured: Learn how structured installment sales completely remove the buyer from the repayment equation, replacing them with a secure, A+ rated insurance annuity.The "Playing Field": A breakdown of the 4 key players needed to execute this strategy safely and legally.The Primary Residence Loophole: Why structured installment sales are a game-changer for homeowners downsizing or moving out of state (especially since 1031 Exchanges don't apply to primary residences!).Timelines & Underwriting: Exactly what to expect, the documents required, and how to successfully prepare your business or property for this type of sale.Whether you're an everyday Main Street business owner, an exhausted landlord, or an M&A advisor looking to bring maximum value to your clients, this episode is packed with actionable insights to keep more money in your pocket and out of Uncle Sam's.Subscribe to My SBA Loan Pro for more expert interviews on deal structuring, wealth preservation, and business acquisition strategies! 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 02:36 - John Dudeck's Background in Settlement Planning 05:47 - Traditional vs. Structured Installment Sales Explained 09:51 - The Playing Field: The 4 Key Players in a Sale 13:25 - How the Structured Annuity Contract Works 16:18 - The Massive Capital Gains Tax Burden of Selling 20:45 - The Role of the Insurance Carrier and Assignment Company 24:14 - What Buyers Need to Know & Do 26:17 - Risks and Flexibility of the Payment Schedule 29:08 - Underwriting, Timeline, and Required Documentation 33:26 - 1031 Exchanges vs. Structured Installment Sales 34:27 - Proving Legitimacy & Overcoming Client Hesitancy 36:46 - Educating Trusted Advisors (CPAs, Brokers, Attorneys) 40:18 - The Primary Residence Loophole & Ideal Use Cases 42:44 - Final Recap & How to Get Started 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

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: The essential cash and liquidity requirements for dual acquisitions.How underwriting timelines and property appraisals affect your closing.The exact pros and cons of buying real estate upfront vs. buying it 2-3 years later.How to structure SBA 7a and 504 loans to get the best interest rates and cash flow. 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

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: The "Operator Mindset": Why internal systems and "Management By Walking Around" (MBWA) are the lifeblood of a successful franchise.Franchise Red Flags: How to navigate the "dance" between franchisor goals and franchisee profitability.The Reality of "No Money Down": Frank debunks common myths from "gurus" and explains why 10-year IOU deals rarely work in the real world.Scaling with SBA Loans: How Frank used SBA financing to ladder up from one location to a multi-unit empire.Knowing When to Sell: Why seeing the "top" of the market is the most valuable skill an entrepreneur can have. 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: Instagram: https://instagram.com/mysbapro Twitter: https://twitter.com/mysbapro LinkedIn: https://linkedin.com/in/ryanpatryck 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: Start Small: Why buying a "boring" business or a small pizza parlor is often the best way to get your entrepreneurial start.Buyer Credibility: Why you need a resume, a bio, and proof of funds to get a seat at the table with a broker.Valuation Reality: How brokers determine the true value of a business versus what a seller "needs" to retire.The 2026 Market: Why Steven is bullish on the market for 2026 and expects strong activity from Main Street to the lower middle market.Corporate to Entrepreneur: How Steven transitioned from the corporate world to owning his own brokerage office in San Diego. 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. 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 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: Max’s journey from the Soviet Union to US entrepreneurship.Overcoming failure and the mindset needed to rebound.The "X-Factor" of BooXkeeping and their franchisee support system.Which franchise industries are oversaturated and which are growing.The impact of AI on the future of the workforce. 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: Why niche M&A expertise is essential, and why hiring a non-specialized attorney is a mistake.The critical importance of the Letter of Intent (LOI) and why signing it without counsel can increase costs and risks.The three core areas of a purchase agreement that protect buyers: R&Ws, Indemnification, and payment structure.How Melissa’s holistic experience representing both sides allows her to negotiate better deals for her clients.The risk of over-complication from larger law firms and how to streamline the process.The difference between Asset vs. Stock/MIPA Purchases, and how to mitigate downside risk.Insights into her transition to General Counsel for clients post-acquisition, covering everything from entity formation to contract review.The future of the legal industry and how AI is currently impacting drafting and litigation. 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 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

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:Why exit planning should start 5 years or more before you plan to sell.The difference between a typical investment advisor (accumulation) and a true wealth advisor (holistic planning and distribution).The 4 C's of value that drive a business's worth, beyond just the balance sheet.How to structure your income distribution into different 'silos' to manage risk and tax burden in retirement.Strategies for "Tired Ted"—the business owner who is near retirement but hasn't prepared.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 - Introduction⁠01:45⁠ - 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 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  - ⁠⁠YouTube Channel

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 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

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 Banking2:30 - Founding Stone Canyon5:15 - The "Acquirable Platform"8:10 - Ideal Client Profile10:45 - What Makes a Company Saleable14:20 - Renovate for the Buyer17:50 - Case Study: Illuminating Value22:00 - Un-Googleable M&A Secrets26:30 - The 3-Year Engagement Process30:10 - Taking the Leap 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

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/mysbaproTwitter: https://twitter.com/mysbaproLinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters:0:00 - Introduction0:50 - Career Pivot2:15 - Detective Skills3:10 - Changed Perspective4:15 - Daily Routine6:10 - Retirement Decision7:45 - Becoming a PI9:30 - Company Introduction11:15 - Investigation Sources13:00 - Red Flags15:45 - Client Reactions 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