Expert perspectives on SBA lending, business acquisitions, lending technology, and strategies for growth — from the team building the future of small business financing.
The increase is overdue and it should pass. Then the industry has to prove it deserved it.
For fifteen years, small business borrowers who needed more than $5 million in SBA-backed financing hit the same wall. The 7(a) loan cap has sat at $5 million since 2010, and the way the agency counted a borrower’s combined program exposure meant that ceiling applied across the board. Deals that needed $6, $8, or $10 million went […]
Ask most SBA lenders which loan type carries the least risk and you’ll get a range of answers — usually built on intuition, experience, or anecdote. The data from 373,981 SBA 7(a) loans funded between FY2020 and FY2025 gives a more definitive answer: change-of-ownership loans, used to buy an existing business, have the lowest charge-off rate of any major […]
There is a persistent assumption in bank lending circles that small SBA loans are the safe ones — approachable deal sizes, familiar borrower profiles, lower dollar exposure if something goes wrong. The data, analyzed across 371,156 SBA 7(a) loans funded between FY2020 and FY2025, tells a more complicated story. Charge-off risk in the 7(a) program […]
The SBA’s annual lending data tells a clear story to those willing to read it carefully. Strip out the noise from the pandemic-era programs — PPP, COVID EIDL — and what you’re left with in the core 7(a) program is a market that is growing, concentrating rapidly in the hands of a small number of […]
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 […]
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