Picture two business owners who apply for a $2 million loan in the same week. Same city, same bank, even the same loan officer. One walks away with a quote that’s comfortably competitive. The other gets a rate nearly two points higher and spends the drive home...
Here’s a scene we watch play out all the time. Someone finds a great commercial building. The numbers make sense, the location is right, the tenant mix is solid. Then they call a bank, hear the words “you’ll need about 25% down,” do some quick...
Picture a $50,000 container of goods sitting at port. Before you sell a single item from it, before it even leaves the dock, you owe the duty. Add a tariff to that shipment and suddenly you’re fronting $77,000 instead of $50,000, weeks or months before the first...
SBA lending has never really been “set it and forget it,” but the last year and a half has tested that idea in a whole new way. The agency has rewritten who’s allowed to own a business that gets SBA financing, changed how loans get underwritten, opened up new options...
Ask a small business owner who’s applied for financing in the last two years and you’ll hear some version of the same story: the bank said no, again. It’s easy to walk away from that experience believing banks have simply stopped lending to...
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