Want to stop renting and own the building your business operates in? In this episode of the My SBA Loan Pro Podcast, Kalen Foster shares how to use the SBA 7(a) loan to buy owner-occupied commercial real estate with as little as 10% down. Learn the key differences between SBA 7(a) and 504 loans, how rent replacement works, and what lenders look for when approving real estate purchases. Whether you’re a first-time buyer or expanding to a second location, this episode offers expert guidance to help you control your future through property ownership.

If you liked this content, let's connect on social media:

Instagram: https://instagram.com/mysbapro

Twitter: https://twitter.com/mysbapro

LinkedIn: https://linkedin.com/in/ryanpatryck

Key Chapters:

0:00 – Podcast Introduction

0:13 – Owning vs. Renting

2:55 – SBA Rent Replacement

4:34 – Variable vs. Fixed Rates

6:00 – Low Down Payments

7:12 – Business + Real Estate

10:58 – 7(a) Loan Features

12:42 – 7(a) vs. 504 Loans

17:23 – Appraisals & Compliance

23:42 – Expanding Your Business

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠

More ThinkSBA Resources

⁠https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

Thinking about buying a business? This episode of the MySBA Loan Pro Podcast features Kalen Foster, a leading expert in SBA business acquisition financing. Discover how SBA 7(a) financing works for acquisition entrepreneurs and self-funded searchers looking to close deals with confidence. Kalen breaks down the SBA loan process, lender expectations, and keys qualifying for an SBA 7(a) loan. Learn how to structure your deal, avoid common financing mistakes, and stand out to lenders. Whether you're just starting your acquisition journey or deep in due diligence, this episode is packed with actionable insights to help you secure the SBA loan you need to buy a business.

If you liked this content, let's connect on social media:

Instagram: ⁠  / mysbapro  ⁠

Twitter: ⁠  / mysbapro  ⁠

LinkedIn: ⁠  / ryanpatryck  

 Key Chapters:

0:00 - Podcast Introduction

1:09 - Banking Transition

2:02 - Math Matters

3:02 - Ideal Buyer Traits

7:26 - Zero Down Myth

16:32 - Industry Focus

20:51 - Seller’s Role

23:00 - Tax Truths

26:05 - Underwriting Advantage

29:17 - Underwriter Etiquette

More Subject Matter Experts Playlist⁠   ⁠

⁠• Subject Matter Experts Face to Face Interv...  ⁠⁠More ThinkSBA Resources⁠

⁠https://calendly.com/thinksba⁠ - Schedule Call

⁠https://g.page/thinksba⁠ - Google Business Page & Reviews

⁠https://thinksba.com/faq⁠ - Frequently Asked Questions

⁠https://mysbaloanpro.com⁠⁠ - My SBA Loan Pro Podcast⁠   / @thinksba  ⁠

• YouTube Channel

Don Curristan, an executive benefits expert with 27+ years of experience, reveals how business owners and CEOs use deferred compensation, SERPs, and phantom stock to retain key employees.

Learn:

- The surprising tax advantages of deferred comp plansHow performance-based incentives work without equity

-Common mistakes companies make with executive benefits

- Why proper plan design makes all the difference

- Perfect for business owners, HR professionals, and financial advisors looking for advanced compensation strategies.

If you liked this content, let's connect on social media:

Instagram:   / mysbapro  

Twitter:   / mysbapro  

LinkedIn:   / ryanpatryck  

Key Chapters:

0:00 - Introduction

0:50 - Career Background

2:15 - Who Needs These Plans?

4:45 - Deferred Compensation Explained

6:30 - Tax Benefits

8:10 - SERPs Overview

10:25 - Phantom Stock Case Study

12:40 - Implementation Process

14:55 - Common Mistakes

16:20 - DIY vs Professional Help

18:00 - Closing Thoughts

More Subject Matter Experts Playlist   

• Subject Matter Experts Face to Face Interv...  ⁠More ThinkSBA Resources⁠

https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast   / @thinksba  

• YouTube Channel

Employment attorney Sam Sherman reveals critical legal risks California business owners face—from wage/hour compliance to PAGA lawsuits, misclassification, and M&A pitfalls. Learn how to protect your business proactively and avoid costly mistakes.

If you liked this content, let's connect on social media:

Instagram: https://instagram.com/mysbapro

Twitter: https://twitter.com/mysbapro

LinkedIn: https://linkedin.com/in/ryanpatryck

Key Chapters:

0:00 - Introduction

1:54 - Wage & Hour

3:20 - Employee Classification

5:38 - Demand Letters

7:38 - Leave Management

9:50 - Immigration Compliance

12:39 - M&A Risks

15:00 - PAGA Lawsuits

17:50 - Settlement Pressures

20:08 - HR vs Legal

22:27 - Proactive Prevention

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠

More ThinkSBA Resources⁠

https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

In this episode, Ken Rosenthal shares expert insights on why business owners should consider purchasing their commercial property and the best financing options available, including SBA 7a and 504 loans. Learn how owning your building provides stability, tax benefits, and long-term investment potential. Ken breaks down the differences between conventional loans, SBA programs, and other financing methods, helping you make an informed decision. Whether you're a small business owner or an entrepreneur looking to secure your future, this discussion is packed with valuable advice.

If you liked this content, let's connect on social media:

Instagram: https://instagram.com/mysbapro

Twitter: https://twitter.com/mysbapro

LinkedIn: https://linkedin.com/in/ryanpatryck

Key Chapters:

(00:00) Why Buy Your Building?

(12:53) Owning vs. Renting Benefits

(19:40) 5 Financing Methods

(23:07) SBA 7A vs. 504 Loans

(29:25) Interest Rates Impact

(37:37) Qualifying for SBA Loans

(45:12) Loan Process Overview

(52:30) Success Stories & Examples

(1:00:15) Final Tips & Next Steps

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠

More ThinkSBA Resources⁠

https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

Thinking about buying a franchise? Already own one but struggling to succeed? In this episode, franchise expert Mark Camras, author of Secrets of Franchise Success, reveals the top strategies top-performing franchisees use to build thriving businesses. Learn how to overcome fear, develop the right mindset, leverage franchisor resources, and create a winning culture. Whether you're considering franchise ownership or looking to improve your current business, this episode is packed with actionable insights.

If you liked this content, let's connect on social media:

Instagram: https://instagram.com/mysbapro

Twitter: https://twitter.com/mysbapro

LinkedIn: https://linkedin.com/in/ryanpatryck

Key Chapters:

• (0:00) Franchise Success Intro

• (0:46) Secrets of Franchise Success

• (1:27) Who Should Franchise?

• (2:17) Franchising vs. Starting Alone

• (3:17) What Franchisors Don’t Teach

• (5:18) Overcoming Franchise Fear

• (8:56) Goal Setting & Accountability

• (10:13) Coaching for Franchise Success

• (13:50) Franchise Coaching Success Stories

• (16:19) Traits of Top Franchisees

• (20:05) Turning Complaints into Growth

• (24:03) Preparing for Franchise Ownership

• (27:00) Vision & Long-Term Planning

• (29:32) Humility & Curiosity Matter

• (33:42) Accessing the CEO Mindset

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠

More ThinkSBA Resources⁠

https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

In this episode of the My SBA Loan Pro podcast, Ryan chats with Jim Morrison—one of the best in the business when it comes to employer benefits. We dive into group health insurance and cover everything business owners need to know, from staying compliant to finding the right coverage for their team. Jim drops a ton of practical tips to help you steer clear of expensive mistakes and get the most bang for your buck. If you're running a business, big or small, this one's definitely worth a listen.

If you liked this content, let's connect on social media:

Instagram: https://instagram.com/mysbapro

Twitter: https://twitter.com/mysbapro

LinkedIn: https://linkedin.com/in/ryanpatryck

Key Chapters:

0:00 – Why Benefits Matter

1:17 – Who is Jim Morrison?

2:34 – Broker’s Role Simplified

4:13 – Mandatory vs. Voluntary Benefits

6:20 – Benefits for Talent Retention

8:11 – Avoiding Costly Mistakes

12:54 – Compliance Risks

16:25 – Client Success Stories

20:30 – M&A & Benefits Impact

25:45 – 2024 Legislative Updates

30:10 – Fixing Healthcare Flaws

35:50 – Future of Health Insurance

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN⁠

More ThinkSBA Resources⁠

https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

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 options. Whether you're a senior, a business owner, or a financial advisor, this is essential viewing for anyone looking to make the most of their life insurance.

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:

0:00 – Introduction to Life Settlements

0:30 – How Phil Entered the Life Settlement Industry

2:40 – What Is a Life Settlement?

4:13 – When Should You Consider a Life Settlement?

7:18 – Term vs. Universal vs. Whole Life Policies

10:05 – Ideal Age & Health for a Life Settlement

12:21 – Real Client Examples: How Much Cash They Received

16:32 – Pitfalls to Avoid

20:02 – How Life Settlement Buyers Determine Value

24:49 – Why Many Financial Advisors Don’t Know About Life Settlements

28:03 – Tax Implications of Selling Your Policy

32:15 – Common Uses for Life Settlement Cash

36:40 – How to Get Your Policy Evaluated

40:50 – Debunking Whole Life Insurance Myths

45:00 – Final Takeaways & Next Steps

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN

⁠More ThinkSBA Resources

⁠https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

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/mysbapro

Twitter: https://twitter.com/mysbapro

LinkedIn: https://linkedin.com/in/ryanpatryck

Chapters:

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 Sell

More Subject Matter Experts Playlist

https://youtube.com/playlist?list=PL1v-z-ZlTQ4FuSfq8GRuV9jJY3dd5vw9p&si=04XGGOYICU8pngKN

⁠More ThinkSBA Resources

⁠https://calendly.com/thinksba - Schedule Call

https://g.page/thinksba - Google Business Page & Reviews

https://thinksba.com/faq - Frequently Asked Questions

https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast

http://youtube.com/@thinksba - YouTube Channel

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:

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 ExpectSBA 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:

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:

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.