For decades, employee stock ownership plans have been one of the most powerful — and most underutilized — tools for business succession, employee retention, and tax-advantaged ownership transitions. The concept is straightforward: instead of selling your business to a competitor or a private equity firm, you sell it to your employees through a trust. They […]
Read more →
If you’re a lender, broker, or borrower involved in SBA lending and you feel like the ground has been shifting under your feet for the past year, you’re not imagining it. Between June 2025 and March 2026, the SBA issued a series of sweeping changes to the SOP 50 10 8 that have fundamentally altered […]
Read more →
A recent episode of The Deep Dive podcast examined our pitch materials and financial overview — and the conversation that followed is one of the clearest explanations we’ve heard of why SBA lending is broken and what it takes to fix it. Rather than summarize our own model in our own words, we thought we’d […]
Read more →
Let me describe a scene that anyone in SBA lending will recognize immediately. A borrower submits a loan application with 150 pages of documents — tax returns, financial statements, a purchase agreement, personal financial disclosures. Those documents land on an underwriter’s desk. The underwriter opens the first tax return, starts reading page by page, and […]
Read more →