My SBA Loan Pro Podcast cover art

My SBA Loan Pro Podcast

My SBA Loan Pro Podcast

By: Ryan Smith
Listen for free

Summary

 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!Ryan Smith Economics Leadership Management & Leadership
Episodes
  • Zero Down Payment SBA Loan Business Expansion with Kalen Foster | Bonus Episode | My SBA Loan Pro

    Zero Down Payment SBA Loan Business Expansion with Kalen Foster | Bonus Episode | My SBA Loan Pro
    Apr 17 2026

    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 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
    Show More Show Less
    9 mins
  • California State Guarantee Loan Strategies with Juan Carlos | Ep. 34 | My SBA Loan Pro

    California State Guarantee Loan Strategies with Juan Carlos | Ep. 34 | My SBA Loan Pro
    Apr 17 2026

    Unlocking Capital For California Entrepreneurs and Small Business Owners

    In 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 Episode

    • The 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 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
    Show More Show Less
    1 hr and 16 mins
  • Crisis PR & Reputation Management for Small Businesses with Dave Oates | Ep. 33 | My SBA Loan Pro

    Crisis PR & Reputation Management for Small Businesses with Dave Oates | Ep. 33 | My SBA Loan Pro
    Mar 27 2026
    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 Playlisthttps://youtube.com/playlist?list=PL1...⁠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 Podcasthttp://youtube.com/@thinksba - YouTube Channel
    Show More Show Less
    55 mins
adbl_web_anon_alc_button_suppression_c
No reviews yet
In the spirit of reconciliation, Audible acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.