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My SBA Loan Pro Podcast

My SBA Loan Pro Podcast

By: Ryan Smith
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 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
Episodes
  • Inside the Mind of SBA Loan Broker And Expert Ryan Smith | Ep. 23 | My SBA Loan Pro Podcast

    Inside the Mind of SBA Loan Broker And Expert Ryan Smith | Ep. 23 | My SBA Loan Pro Podcast
    Nov 7 2025
    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 LandscapeMore ThinkSBA Resources • 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
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    53 mins
  • Exit Planning and Income Wealth Distribution with Scott Chelberg | Ep. 22 | My SBA Loan Pro Podcast

    Exit Planning and Income Wealth Distribution with Scott Chelberg | Ep. 22 | My SBA Loan Pro Podcast
    Oct 24 2025
    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 StoriesMore 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
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    40 mins
  • How to Prepare Your Business for an Exit with Joshua Donnelly | Ep. 21 | My SBA Loan Pro Podcast

    How to Prepare Your Business for an Exit with Joshua Donnelly | Ep. 21 | My SBA Loan Pro Podcast
    Oct 10 2025
    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 LeapMore 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
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    50 mins
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