Back to Basics: Financial Planning for Your ABA Business

In this episode of the ABA Business Leaders Podcast, Stephen and April sit down with Shep from Live Oak Bank to simplify the world of ABA Finance, ABA funding, and smart financial planning for your ABA practice. Whether you are launching a new clinic or expanding your services, this conversation helps you understand how banks evaluate your business and what you need to secure the right bank loans.

Shep explains how Live Oak partners with ABA providers, why accurate financial planning matters from day one, and what lenders look for when assessing SBA loans. He also highlights the difference between a loan and a line of credit, and the early financial challenges most ABA practices underestimate.

The episode covers what makes an ABA startup loan-ready, how business plans influence approval, and when it may be possible to borrow without personal guarantees. Shep also touches on choosing the right real estate options and avoiding unnecessary financial strain as you grow.

Whether you are preparing to open your first location or planning long-term expansion, this episode provides clear guidance on strengthening your financial foundation.

Have a question for Stephen and April? Call the ABA Business Leaders Hotline: (737) 330-1432

Resources & Links

• Business Essentials List

• Schedule a consultation with Stephen

• Free ABA Business Readiness Assessment

• ABA Billing Tips Guide

• ABA Business Leaders Podcast CEUs