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DescriptionBen Kelly thought landing his JP Morgan job would give him everything he wanted—until he realized his six-figure salary came at a cost. 6-day workweeks and a lot of wasted moments with his family. Not wanting to sacrifice more time with his loved ones, Ben began planning his exit. Then, he made a crucial discovery: His wealthiest clients built their fortunes not through corporate jobs, but by acquiring small businesses. This revelation sparked his interest in business acquisition. He decided to purchase a small business and run it as a side hustle. Now, his portfolio is generating more than $70,000 a month in passive income!In this interview, Ben sits down with Ryan Atkinson to talk about his business acquisition strategies, ways to get business loans and secure business funding, risk management and how to structure your business to maximize your free time. Whether you're just starting or scaling your investments, this interview will equip you with the strategies you need to get the life you deserve.Takeaways- Ben Kelly transitioned from a corporate job to entrepreneurship.- He realized the importance of time freedom after witnessing a colleague's experience.- His first acquisition was made while still working full-time.- Partnerships can be a key growth strategy for businesses.- Boring businesses are recession-resistant and have recurring revenue.- Identifying momentum in a business can lead to significant growth.- Cold outreach via email can be an effective way to find acquisition opportunities.- Self-evaluation is crucial before pursuing a business acquisition.- Understanding financing options is essential for potential buyers.- The SBA loan process can take 60 to 90 days to close. The first 90 days after acquisition should focus on learning.- Building rapport with the team is crucial post-acquisition.- Evaluate franchises like independent businesses.- Clean financials are essential for any acquisition.- Consider professional services for high margins.- Acquisitions should not rely solely on the seller's management.- Having a general manager in place reduces risk.- Franchises can offer stability but require careful evaluation.- Networking is key to finding reliable operating partners.- Boring businesses can be lucrative opportunities.Tags: Business Buying, Entrepreneurship, Business Loan, Passive Income, Side Hustle, Business FundingResources:Start Your Business Today: https://links.upflip.com/3Y8L1rD Connect with Ben: https://www.instagram.com/benkellyone/?hl=en
AI is eating the world, or so the headlines say. But what does this really mean for debt markets? Where does AI truly excel, and what limitations persist? What implications does this technological shift hold for analysts' jobs? And how is 9fin deploying AI to address specific challenges confronting debt market professionals?Sujeet Indap, Wall Street editor at the Financial Times, sat down with Steven Hunter, CEO and co-founder of 9fin, to cut through the hype and dissect the real impact of AI on debt markets. This episode was produced from a recent 9fin webinar. If you'd like to learn more about how 9fin's AI-powered platform can give you a competitive edge in debt markets, we'd love to chat.Schedule a personalised demo→ https://9fin.com/sign-up?utm_source=hubspot&utm_medium=email&utm_campaign=ai_debtmarkets_webinarOr, stay up to date with all the latest for 9fin's insights, news, upcoming events, and new featuresJoin our newsletter→ https://share.hsforms.com/1KaeNlWvzRlqYjJGJjHbZmgby77cFollow us on LinkedIn→ https://www.linkedin.com/company/9finHave any feedback for us? Send us a note at podcast@9fin.com.
Nearly one billion dollars is still owed as the deadline for Covid-era loans approaches. Inland Revenue says many Small Business Cashflow loans will default in June if not paid off. About 130,000 businesses were issued the loans, totalling $2.4 billion. ABC Business Sales Managing Director Chris Small told Mike Hosking he's not surprised so many owners haven't paid it back yet. He says there were no personal guarantees or general security agreements, so it was a free hit for business owners. LISTEN ABOVE See omnystudio.com/listener for privacy information.
On the Mike Hosking Breakfast Full Show Podcast for Tuesday 18th of March, there's almost a billion dollars' worth of Covid-era business loans that need to be paid back soon. Christopher Luxon joins Mike from out of India, having just spoken with Modi about our potential Free Trade Agreement. Kiwi singer and music composer Blair Jollands popped over from the UK to launch his new album, joining Mike in studio for a special performance. Get the Mike Hosking Breakfast Full Show Podcast every weekday morning on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVE See omnystudio.com/listener for privacy information.
Chris Small from ABC Business Sales summed up the business loan scheme beautifully on the Mike Hosking Breakfast this morning: it was a balls up that was going to, has indeed, and will continue to cost the country hundreds of millions of dollars. Let me take you back to March 2020. Business loans were made available in May – the announcement was made in March for small businesses affected by Covid-19. Businesses were offered up to $20,000, plus $1800 per full time employee. More than 129,000 businesses took out loans worth $2.4 billion. Borrowers had five years to repay the loan, and many would reach that limit from June. It was never going to work. And the worst thing was everybody could see that it was not going to be a boon for the businesses that they thought it was, that it was not going to be a temporary stopgap, that the audits that Grant Robertson said would be put in place to protect the scheme were not going to work. Everybody could see that, everybody that is, but the previous government. “In hindsight if the previous regime could look back, I'm sure they would wind it back and put a few more bells and braces in there because what they're now finding is people basically took the money thinking it was unlikely they were going to pay it back. And sure enough, they haven't paid it back, with little consequences. No security was taken in the way of PG's (personal guarantees) or any GSAs over their businesses, so it was a real free hit for the business owner at the time. “Because there was no security taken, so the houses aren't at risk, no personal guarantee, so they can't get personally bankrupted, all the IRD, from what I've seen or read, can do is put in this default interest rate. Yes, that will keep mounting up and capitalising, and certainly a sole traders position, may just walk away and set up new entity or just ignore it. But I don't think it's realistic for the IRD to go around and just from an administration perspective, there's 120-odd thousand people to chase. It's just not going to happen. So it's just it was a balls up that's going to cost us hundreds of millions of dollars, unfortunately.” Yep, another one. That was Chris Small from ABC Business Sales on the Mike Hosking Breakfast this morning. Utter madness. And at the risk of triggering those of us who did not have a good time under the previous administration, we do have to discuss it as the mistakes made then must never be made again. They have to be acknowledged – that it was a balls up. He put it beautifully. There were many of them and we mustn't do them again. I think we can take it as read that high trust models don't work, we tried that experiment, didn't work. Didn't work for the business loans, didn't work for MIQ stays. BusinessDesk wrote back in 2023 that hotels that provided rooms for the government's controversial quarantine system received more than $1 billion. Just $187 million has been recovered by the government from people who had to pay for their MIQ stay, another $26 million is outstanding. So it didn't work there. High trust didn't work when it came to policing. It didn't work when it came to allowing troublesome tenants to stay on in Kainga Ora accommodation. I can't think of a single sector where it actually worked. I remember my accountant saying to me, she had businesses who were taking the loan and saying, oh, we're not going to pay it back. Why should we? There is absolutely no need to – if they're stupid enough to give us the money, we're not going to pay it back. Surely there is a moral authority that if you can, you should. And if you can and you won't, then you must never, ever talk about beneficiaries bludging off the system ever again. Same with student loan defaulters, you have no moral high ground at all. We can't move on. It'd be wonderful to be able to move on, but we can't move on when we are paying and paying and paying for stupid, ill-considered poorly advised decisions. And we're all going to be paying for a very, very long time to come. See omnystudio.com/listener for privacy information.
Why do business loans drive economic growth while consumer debt can be risky? In this conversation with Y.S. Chakravarti, we explore the power of smart lending, how financing entrepreneurs creates jobs, and why funding business assets is better than fueling consumption.From real-world lending experiences to lessons on financial discipline, this discussion covers:1. The key differences between business loans and consumer debt2. Why smart lending supports MSMEs and long-term financial stability3. How a ₹50,000 loan helped build a ₹5,000 crore business4. The psychology of borrowing and repayment behavior5. The future of finance: Human insights vs. digital lending models(00:00) Introduction(01:20) An anecdote from Mr. Chakravarti's early career(05:45) Growth of Shriram Finance(07:34) Truck Finance and Earning Assets(11:22) Why is Shriram Finance amalgamated?(12:55) Main income streams(15:07) No unsecured credit and why(18:53) 2 Wheeler business(21:38) Views on the technology and the digital world(25:00) Customer Acquisition(28:18) RBI reducing the risk weights(30:00) Expansion in Physical Branches v Digital platforms(32:39) Growth hinges on Transportations and MSMEs(37:24) Anecdote on what to avoid (learning from mistakes)(41:10) What can young people learn from the lending business?Smart lending is about more than just providing money—it's about supporting entrepreneurs, businesses, and long-term financial success. Understanding the difference between business loans and consumer debt is essential for making better financial decisions.Listeners! We await your feedback....The Core and The Core Report is ad supported and FREE for all readers and listeners. Write in to shiva@thecore.in for sponsorships and brand studio requirementsFor more of our coverage check out thecore.inJoin and Interact anonymously on our whatsapp channelSubscribe to our NewsletterFollow us on:Twitter | Instagram | Facebook | Linkedin | Youtube
No one likes that feeling of being a little too thick in the middle. But finding the right balance of strength and cushion is no easy task. We're talking about the middle office here, of course.The middle office may not always be in the spotlight, but when loan data goes awry it's the team that keeps the gears turning and numbers in check. In this episode, head of podcasts Chase Collum chats with Jared Vest, global co-head of middle office solutions at FIS, to break down the middle office's essential roles, risks, and evolving responsibilities. They explore how accurate data and strong operational support are critical to navigate today's fast-paced loan market.This episode was produced in partnership with FIS as part of a three-part series diving into the challenges facing middle office practitioners and users of global loan data sets.Have any feedback for us? Send us a note at podcast@9fin.com.
In the credit markets, it's important practitioners get their fax straight. No, you didn't read that wrong — even in 2025, people still use fax machines to transmit some loans data.In our latest Cloud 9fin episode, Chase Collum, head of podcasts, and private credit analyst Devin McGinley, sit down with John Smullen, product manager at FIS. They chat about how global data trends are shaping strategies in the leveraged finance world as private credit CLOs and direct lending gain ground.This episode is part of a three-part series we'll publish in partnership with FIS on Cloud 9fin, so look out for our next episode, coming next Thursday! Have any feedback for us? Send us a note at podcast@9fin.com.
In this episode of Jane's LME Addiction, our head of LME coverage Jane Komsky brings in global chair of Gibson Dunn's restructuring group, Scott Greenberg, to discuss the evolution of cooperation agreements within liability management exercises. They discuss the different types of co-ops, why co-ops have become expected in US deals, their spread to the EU, and the validity of antitrust arguments.Find all our coverage on co-ops at 9fin.com.Have any feedback on the podcast? Send us a note at podcast@9fin.com — thanks for listening!
Rob Gill delves into the often-overlooked financial burdens of business loans, uncovering the top five hidden costs that can impact your bottom line. This enlightening video is a must-watch for entrepreneurs seeking to understand the full financial implications of borrowing.
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
Interest rates are sky-high, and getting a business loan feels harder than ever. But don't worry—there are smart ways to get the funding you need without overpaying or falling into a financial trap! In this episode, I sit down with Elizabeth Gore, Co-Founder & President of Hello Alice, to talk about the best lending options for small business owners. We'll cover how to get the best loan rates, why business lines of credit can be a game-changer, and how grants could be free money for your business (if you know where to look!). Elizabeth also shares the biggest mistakes business owners make when borrowing money—and how to avoid them. Whether you're looking to grow your business or just want to be prepared for the future, this episode is packed with must-know advice. Tune in now and learn how to take control of your business finances!
Three media companies, in vaguely the same vicinity, in fair debt markets where we lay our scene — where ancient business models encounter new scrutiny, and AI generates images you can't unsee…Valentine's Day has been and gone, so why on earth are we besmirching Romeo and Juliet with terrible puns? You should listen to the episode for the full picture, but basically we're discussing three recent debt transactions from X/Twitter, Snap, and Getty Images.These deals might not seem immediately connected, but there's a thread running through all three. In an age of political upheaval and rapid technological advancement, what do they tell us about the future of media? William Hoffman, David Bell and Will Caiger-Smith are here to discuss, and to crowdsource ideas for sponsored 9fin Snapchat filters.Want to share feedback on this episode? Send us a note at podcast@9fin.com.
Shopify Masters | The ecommerce business and marketing podcast for ambitious entrepreneurs
April and Daryk Mall turned their after-work hobby of caring for plants into Unsolicited Plant Talks—a thriving business with a loyal online community. Learn how they scaled from selling plant cuttings at their kitchen table to running a full-time operation with multiple greenhouses.For more about Unsolicited Plant Talks and show notes: https://www.shopify.com/blog/unsolicited-plant-talks-hobby-to-businessSubscribe to the Shopify Masters YouTube channel.
In the private equity world, continuation vehicles have been a bit of a blockbuster, so can the structure's success transfer to private credit?We have already seen BlackRock's $1.3bn continuation vehicle last year, and some market participants are expecting to see even more in 2025. On the other side however, this might not be as straight forward as in the PE world, and there is a growing pool of skeptics.In this episode of Cloud 9fin, senior private credit reporter Synne Johnsson sits down with private credit reporter Jemima Denham, to discuss all things private credit continuation vehicles -- Why are they the current talk of the town? What are the challenges? And will they eventually take off?Have a listen to hear this discussion on continuation vehicles in the private credit market. If you have any feedback for us, send us a note at podcast@9fin.com. Thanks for listening.
Join powerbrokers.io watch on YouTube https://youtu.be/Se6At7AREbY?si=KT5p0zL6IwdGgbJy
We talk a lot about leverage at the 9fin office (it's kind of the story behind our company name, in case you were wondering) so it should come as no surprise that we think it's interesting. But in the world of Significant Risk Transfer, it's especially fascinating — and controversial.You may have caught the story that Celeste Tamers, part of our growing asset-based finance team, broke last week about Deutsche Bank pulling back from offering repo financing on SRT trades.In this episode of Cloud 9fin, Celeste and our asset-based finance editor Owen Sanderson pick that story apart and use it to explore the history of SRT, to help listeners understand why regulators are raising their eyebrows at the recent growth of this important market.Any feedback on this episode? Email us at podcast@9fin.com.
Long live liability management.In this episode of our new show Jane's LME Addiction, our head of LME coverage Jane Komsky brings in Latham & Watkins partner George Klidonas and C Street founder and CEO Jon Henes, to discuss the Better Health transaction and its implications for future LMEs.Also under discussion: how liability management has taken off as an industry, how law firms and advisors are adapting to this boom in business, and the creative moves market participants are making to ensure the LME space lives a lengthy and healthy life.Listeners might notice a bit of background noise because this episode is also recorded in video format! Find it on YouTube here! Have any feedback on the podcast? Send us a note at podcast@9fin.com — thanks for listening!
The Funding Formula: Raj Tulshan's BLUEprint for Business LoansSecuring business funding can feel like navigating a financial maze, but what if there was a formula to simplify the process? In this episode of The Business Chop, host Audrey “Tech Diva” Wiggins sits down with Raj Tulshan, founder of Loan Mantra, to uncover the secrets of business financing. Raj shares expert insights on how small business owners can access capital, avoid common loan application pitfalls, and leverage technology to streamline the process. Whether you're looking for working capital, expansion funding, or real estate financing, this episode is packed with valuable advice to help you secure the right loan for your business.Episode Highlights✅ Why Small Businesses Struggle with Financing – Understanding the common roadblocks entrepreneurs face when applying for loans. ✅ Loan Mantra's One-Stop Solution – How technology is revolutionizing small business lending. ✅ The Funding Formula – Key steps to building a financial narrative that lenders trust. ✅ Accessing the Right Capital – Breaking down traditional SBA, MCA, and other lending options. ✅ The Importance of Financial Storytelling – Why your business history matters when applying for a loan. ✅ AI & Fintech in Lending – How artificial intelligence is shaping the future of business financing. ✅ Pro Tips from Raj – Practical advice to improve your chances of securing a business loan.Contact Raj Tulshan at loanmantra.comSend us a message Buzzsprout - Let's get your podcast launched!Start for FREEDesignrr for eBooks, BlogsCreate eBooks, Blogs, Lead Magnets and more! Riverside.fm Your Own Virtual StudioProfessional Virtual StudioAltogether Domains, Hosting and MoreBringing your business online - domain names, web design, branded email, security, hosting and more.Digital Business CardsLet's speed up your follow up. Get a digital business card.Small Business Legal ServicesYour Small Business Legal Plan can help with any business legal matter.Get Quality Podcast Guests NowKeep your podcast schedule filled with quality guests from PodMatch.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showPlease Rate & ReviewTo work with Audrey visit Altogether Marketing LLC
Publicly traded leveraged debt issuers are facing a collective maturity wall of $219 billion in the coming years. But unlike the Chiefs' offensive line in the Super Bowl, credit market watchers aren't expecting that wall to collapse.In this episode of Cloud 9fin, US managing editor Bill Weisbrod sits down with credit analyst Ben Dickerman and leveraged finance reporter Dan Mika about their recent piece looking at how the 2026-27 maturity wall in the US is shaping up.Among the highlights: how issuers are hanging on to cheap debt costs, how a leveraged finance market starved for new-money deals is giving BB-rated companies plenty of time to refinance, the uncertainties surrounding Trump administration's economic policies, and how this story was powered by Dan's love of drum and bass music.As always, if you have any feedback for us, send us a note at podcast@9fin.com
Strategic Financing: Essential Tips for Borrowers | The Mills Knows Bills Podcast Episode 40, Season 5 Link to video podcast episode: https://youtu.be/E4kZ8CRQLXE Welcome to Season 5 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episode, Mills is joined once again by commercial financing expert Brett Childers. This time, Brett takes the lead, asking Mills about how CFOs can help business owners stand out and prepare for successful loan applications. They dive into the intricacies of evaluating solvency, aligning financial strategies with lending requirements, and the importance of knowing your numbers. They also discuss real-life challenges in cash flow management and the nuances of onboarding new clients. Tune in for valuable insights and strategies tailored for both new and seasoned business owners. To connect with Brett: 321.356.3860 Do you have your own burning financial question for Mills or the MKB team? Email: info@MillsKnowsBills.com Website: https://MillsKnowsBills.com Instagram: https://instagram.com/@millsknowsbills LinkedIn: https://www.linkedin.com/company/mills-knows-bills Subscribe for the latest podcast episodes and more from MKB! 00:00 Introduction and Recap 00:35 Turning the Tables: Brett's Questions 00:53 Preparing for Business Loans 03:22 Onboarding New Clients 05:25 Challenges in Business Growth 06:08 Client Success Story 09:00 The Importance of Knowing Your Numbers 11:18 Services and Client Engagement 14:23 Focus on Blue Collar Businesses 16:05 Conclusion and Contact Information #financialpodcast #millsknowsbills #podcast #entrepreneurfinances #variableincome #businessfinances #commerciallending #businessloans
Welcome to The Profit Talk! In this show, we're going to help you explore strategies to help you maximize profits in your business while scaling and creating the lifestyle that you want as an entrepreneur. I am your host, Susanne Mariga! I'm a CPA, a Fractional CFO, and a Certified Profit First Professional Mastery Level providing tax strategies to 7 and 8-figure entrepreneurs. Let's dive into strategies to maximize profits in your business! In this powerful episode of The Profit Talk Podcast, Susanne Mariga sits down with Herman Dolce, an expert in business credit and wealth building. Herman shares key strategies for leveraging business credit to fuel growth, secure long-term wealth, and build a legacy that lasts. From understanding the foundational steps of credit building to tips for scaling wealth and securing your financial future, Herman brings invaluable insights for entrepreneurs looking to thrive in any economy. Don't miss this conversation packed with actionable advice to elevate your business and personal financial legacy! Key Takeaways: How to establish and optimize business credit Strategies for creating sustainable wealth The importance of building a legacy through financial decisions Real-world tips to protect and grow your wealth Tune in for this insightful episode and learn how to set up your business for lasting financial success! You can follow him at https://www.instagram.com/haitian_ceo/ Visit my FREE Facebook Group, The Profit First Masterclass, where I'll be sharing additional exclusive trainings to members of the community. If you're excited about what's next for your business and upcoming episodes, please head to our itunes page and give us a review! Your support will help me to bring in other amazing expert interviews to share their best tips on how to powerfully grow in your business! DISCLAIMER: The information contained within these videos is provided for informational purposes only and does not constitute, an accountant-client relationship. While we use reasonable efforts to furnish accurate and up-to-date information, we assume no liability or responsibility for any errors, omissions, or regulatory updates in the content of this video. Any U.S. federal tax advice contained within is not intended to be used for the purpose of avoiding penalties under U.S. federal tax law.
With Super Bowl Sunday upon us, much like over a third of the US, we thought we'd focus on sports.Private credit has been circling sports for some time as an investment opportunity. Many regulatory changes in the past year and an increasing number of emerging sports leagues have brought it back into view to begin this year.In this episode of Cloud 9fin, senior reporter Peter Benson sits down with Aaron Kless, managing partner and CIO at Andalusian Credit Partners, to discuss all things private credit and sports.The discussion topics include the institutionalization of the sports market, how credit works with sports franchises and other areas of the sporting world that are ripe for credit investment.As always, if you have any feedback for us, send us a note at podcast@9fin.com
People love to talk about the battle between banks and private credit firms in leveraged debt markets. And at a high level, it's true that the dealflow has bounced back and forth between the two over recent years — but markets are a lot more complex than a game of table tennis.In this episode of Cloud 9fin, Synne Johnsson sits down with Soren Christensen, partner and head of capital markets at Cinven, and Amit Bahri, co-head of European direct lending at Goldman Sachs, to break down how private credit's role has evolved over the years.Among the highlights: how sponsors have adapted to embrace private credit, what the return of the BSL market means for direct lender strategies, the attraction of junior PIKs, and predictions for 2025.As always, if you have any feedback for us, send us a note at podcast@9fin.com.
In this video, we explore the crucial role personal credit history plays in securing an SBA 7(a) loan. Discover how applicants with less-than-perfect credit can improve their chances of approval, and learn valuable tips to boost your credit score. Additionally, we introduce the Business Ownership Academy, a vibrant community and educational platform designed for aspiring entrepreneurs. Join us to gain insights from industry experts, participate in mastermind groups, and take your business to the next level. Question: Hello, what role does personal credit history play in the approval process of an SBA 7(a) loan, and how can applicants with less-than-perfect credit improve their chances? Thanks, Lisa.
The full extent of the damage from this season's California wildfires is yet to be determined, but one thing that is certain is that some leveraged credits are starting to feel the heat.In this week's episode of Cloud 9fin, US managing editor Bill Weisbrod and deputy leveraged finance editor Sasha Padbidri survey the extent of the damage and discuss which industries are among the most impacted.Find Sasha's latest report about the wildfires' impact on leveraged credits here. If you have any feedback or want to get in touch, send us a note at podcast@9fin.com. Thanks for listening!
After years of growth and positive sentiment, 2024 saw private credit's smallest fundraising haul since 2019. But the year-on-year drop in capital raised was far less significant than the drop in the number of funds that were closed.In this week's episode of Cloud 9fin, US private credit editor David Brooke and reporter Anna Russi discuss the latest results in private credit fundraising and how LPs are consolidating around their favorite firms. The conversation walks through how investors are feeling about the asset class and whether the incoming Trump administration can help or hinder funds on the road next year. Read Anna and David's article diving into these trends here.Have any questions or feedback for us? Want to join us on the podcast? Send a note to podcast@9fin.com to get in touch. Thanks for listening!
In this video, we dive deep into SBA loan options for buying a franchise in another state. Beau explains how it's possible despite common banking hurdles, sharing insights and tips for successful franchise ownership. Whether you're considering a move or managing from afar, this guide is packed with practical advice. Question: What SBA loan options are available for buying a franchise in another state? Thanks, Kevin. If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
New research from the University of Washington found businesses owned by women and people of color are charged higher rates for loans, costing about $8 billion a year more in interest payments than their white counterparts. Also in this episode, some energy sector updates: Growing global coal demand is powered by data centers and industrialization, and a new Gulf Coast hydrogen hub aims to reduce the carbon footprint of the region’s oil refineries.
New research from the University of Washington found businesses owned by women and people of color are charged higher rates for loans, costing about $8 billion a year more in interest payments than their white counterparts. Also in this episode, some energy sector updates: Growing global coal demand is powered by data centers and industrialization, and a new Gulf Coast hydrogen hub aims to reduce the carbon footprint of the region’s oil refineries.
New research from the University of Washington found businesses owned by women and people of color are charged higher rates for loans, costing about $8 billion a year more in interest payments than their white counterparts. Also in this episode, some energy sector updates: Growing global coal demand is powered by data centers and industrialization, and a new Gulf Coast hydrogen hub aims to reduce the carbon footprint of the region’s oil refineries.
In this detailed guide, learn how to fund your franchise using SBA loans. We cover step-by-step requirements, financing options, credit scores, reserves, and equity injections. Whether you're new to franchising or looking to expand, this video provides essential insights to help you succeed. Question: Hello. What are the detailed steps and requirements for funding my franchise with an SBA loan? Thanks, Emma. If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
Struggling with credit issues? Don't let bad credit hold back your Amazon business growth! In this episode of The Clear the Shelf Podcast, Chris Grant and Chris Racic dive deep into actionable steps to fix your credit for FREE and leverage better credit for scaling your Amazon FBA business. Whether you've made mistakes in the past or simply want to optimize your credit score, this episode has the strategies you need.Just make sure to wield credit wisely! What you'll learn: • How to access and analyze your credit report for errors • The power of dispute letters: How to use them effectively • Proven negotiation tactics for reducing or eliminating old debts • Step-by-step methods to rebuild credit, including secured cards and credit builder loans • Expert tips for maintaining and optimizing your credit utilization -------------------- RESOURCES FOR YOU:
Whether buying or building, laundromats are a big investment! Luckily, there are many options out there to help you finance that investment and start you on your entrepreneurial journey into the laundry industry!Referenced Links: Our Sponsor: H-M Company Drain Troughs: https://www.draintroughs.comOur Website: https://www.laundromatmillionaire.comOur Online Course: https://dave-menz.mykajabi.com/sales-pageOur Youtube channel: https://youtube.com/c/LaundromatMillionaireOur Podcast: https://laundromatmillionaire.com/podcast/Our Facebook: https://www.facebook.com/laundromatmillionaire/Our Facebook Group: https://www.facebook.com/groups/laundromatmillionaireOur LinkedIn: https://www.linkedin.com/in/dave-laundromat-millionaire-menz/Our Instagram: https://www.instagram.com/laundromatmillionaire/Our laundromats: https://www.queencitylaundry.comOur pick-up and delivery laundry services: https://www.queencitylaundry.com/deliveryOur WDF & Delivery Workshop: https://laundromatmillionaire.com/pick-up-delivery-workshop/LaundroBoost Marketing Company: https://laundroboostmarketing.com/Suggested Services Page: https://www.laundromatmillionaire.com/servicesWDF & Delivery Dynamics: A Complete Business Blueprint: https://laundromatmillionaire.com/wdf-delivery-dynamics-a-business-blueprint/Eastern Funding: https://www.easternfunding.com/Alliance Financing: https://distribution.alliancelaundry.com/finance/Prime Capital Financing: https://www.goprimecap.com/laundry-financingImage: https://helloskip.com/blog/sba-express-loansImage: https://www.fptransitions.com/blog/lending-for-successors-what-advisors-need-to-knowLM Episode with Mike Fingers: https://youtu.be/35Od9WsLHD8LM Episode on SanOWash: https://youtu.be/uba2xsLJh_ELM Episode on Perfect Pour: https://youtu.be/LTz_7kC-vgQCodie Sanchez Podcast: https://www.youtube.com/@PodcastBigDealTimestamps00:00 Episode 89 Intro00:41 Spotlight – Black Friday Sales Events02:20 Episode's Focus03:27 Good Debt vs Bad Debt and Consumer vs Business Debt10:21 Assessing the Risk of the Debt12:16 Lender Type #1: the SBA19:54 Lender Type #2: Conventional Loans31:53 Lender Type #3: Industry-Specific Loans40:42 Our History of Equipment Loans & Renovations44:24 Lender Type #4: Seller Financing 45:06 The Art of Negotiation47:15 Buying & Selling Laundromats52:43 Our History of Seller Financed Deals58:44 Closing Remarkswww.FranchiseResaleReady.comBuy or Sell An Existing Franchise Business
Unlock the secrets to financing your real estate development and construction projects with SBA loans! In this comprehensive guide, we delve into the eligibility criteria, the financing process, and how to make the most out of SBA 7A and SBA 504 loans. Learn the critical steps you need to take, from getting your project shovel-ready to securing the right contractor. Join our growing community at Business Ownership Academy for more insights and expert advice. Question: Hello. How do SBA loans work for real estate development and construction projects? Thanks. Rachel If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
Unlock the secrets to financing your real estate development and construction projects with SBA loans! In this comprehensive guide, we delve into the eligibility criteria, the financing process, and how to make the most out of SBA 7A and SBA 504 loans. Learn the critical steps you need to take, from getting your project shovel-ready to securing the right contractor. Join our growing community at Business Ownership Academy for more insights and expert advice. Question: Hello. How do SBA loans work for real estate development and construction projects? Thanks. Rachel If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
Plus: Belgian sex worker Mel Meliciousss on the country's landmark decision granting health insurance, parental leave and sick pay. Also: Why “brain rot” is the Oxford University Press Word of the Year.
In this video, we dive into the FICO SBSS score and its crucial role in small business loans under $500,000. Learn what factors influence this score and why it's vital for entrepreneurs seeking financing. Subscribe for more insights on financing and business ownership! Question: Hi, I've heard about the FICO SBSS score and its importance for small business loans. Could you explain what the FICO SBSS score is and why it's significant for small business owners seeking loans? Thanks, Lisa. If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
Welcome to another special episode of the Scaling Japan Podcast. In this episode, we delve into the complexities of Japanese government subsidies for startups and small businesses, featuring insights from a seasoned subsidy and fundraising expert, Nobuji Kanai. This discussion is designed to guide both local and non-Japanese entrepreneurs in navigating the challenges and opportunities of Japan's subsidy landscape. From understanding the nuances of different subsidy types to preparing successful applications, this episode is packed with actionable advice for entrepreneurs aiming to secure government support and grow their businesses. --- Timestamps: 00:00 Introduction | Seminar Overview and Speaker Introductions02:36 Key Topics | Eligibility, Purpose, and Types of Subsidies in Japan08:51 Eligibility for Non-Japanese Entrepreneurs | Subsidy Accessibility for Foreign Businesses09:41 Grants vs Subsidies | Key Differences in Funding Mechanisms and Applications11:28 National Subsidy Programs | Examples of Subsidies Targeted at SMEs and Startups13:11 Local and Private Subsidies | Unique Regional Opportunities and Time-Sensitive Applications14:04 Application Process | Necessary Steps and Documentation for Successful Applications20:54 Trends and Challenges | Changing Acceptance Rates and Common Mistakes29:10 Deep-Tech Subsidies | R&D and Advanced Innovation Support Programs33:14 Time Investment | How Long It Takes to Apply and Complete a Subsidy Process38:13 Multiple Applications | Strategies for Combining and Stacking Subsidies41:09 Step-by-Step Guidance | Application, Project Execution, and Reporting45:05 Case Study | A Non-Japanese Entrepreneur Securing Subsidies and Loans49:07 Leveraging Loans | Using Subsidies and Business Loans for Financial Flexibility51:51 Local Grants | Maximizing Opportunities through Regional Subsidy Programs55:57 Tools and Resources | Where to Find Updated Subsidy Information01:00:56 Choosing Advisors | The Role of Consultants in Navigating Japanese Subsidies --- Connect with Our Speakers: Reach out to Nobuji Kanai on Linkedin Reach out to KANAI&CO --- Exciting News for Entrepreneurs Entering the Japanese Market! We are delighted to introduce SmartStart Japan, your comprehensive partner for establishing and expanding your business in Japan. SmartStart Japan specializes in assisting small businesses, startups, and foreign corporations with incorporation, government subsidies, loans, and market growth strategies. Services Offered: Incorporation Support: Facilitating company or branch office setup, processing business manager visas, serving as temporary directors and handling tax notifications and filings. Government Subsidies & Loans: Assisting clients in securing government-backed loans and subsidies for various business needs, such as sales, marketing, and research initiatives. Reach out to us at https://smartstartjapan.com/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/scalingjapanpodcast/message
In this episode of Money Talk With Tiff, Tiffany Grant sits down with Craig Calafati, an experienced small business lender. Craig brings over 30 years of experience in lending to small businesses, sharing invaluable advice on what successful business owners do and don't do. This episode is packed with insights on the importance of networking with successful entrepreneurs, coming prepared to financial meetings, and understanding the intricacies of business lending.Check out the full show notes: https://moneytalkwitht.com/podcast-show-notes/successful-small-business-loans/Key TakeawaysNetworking and MentorshipSurround yourself with successful entrepreneurs.Seek advice and learn from others who have been in similar situations.Preparation for LendingKnow exactly how much money you need and why.Be able to clearly articulate your business needs and repayment plan.Business Plans and FinancialsHave a detailed business plan, whether you're starting a new business or running an existing one.Ensure your financial records are accurate and transparent.Real Estate ConsiderationsConsider leasing rather than buying property initially.Save your cash and park it for unexpected expenses rather than tying it up in real estate.Lending No-NosAvoid starting any projects or signing leases before loan approvals.Stay open to feedback and be prepared to adapt.Tax Returns and ProfitabilityAim for profitability on paper when possible; tax returns are crucial for lending decisions.Engage a good accountant to maintain the integrity of your financial records.Connect with CraigEVP, Director of Lending at Arkansas Capital (CDFI)Website: arcapital.comConnect with Tiffany GrantWebsite: moneytalkwitht.comSocial Media: @MoneyTalkWithTIf you enjoyed this episode, consider subscribing and leaving a review on your favorite podcast platform. Thank you for listening, joining, and being a part of the Money Talk With Tiff podcast!
In this video, we dive into the best financing options for large business acquisitions, including SBA 7A loans, conventional loans, and alternative programs. Learn about capital stacks, seller carry, and equity injections, and discover how to navigate the complexities of funding your business acquisition. Whether you're trying to escape the W2 rat race or dreaming of owning your own business, this episode is packed with valuable insights. Question: Hello, I'm exploring the possibility of acquiring a business valued at over $5 million. What are the best financing options available for larger business acquisitions, and how can I secure the necessary funds? Thanks, James. If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
In this episode, we dive into structuring no-money-down SBA deals for business acquisitions over $5 million. Our expert, Beau, answers key questions on how to leverage SBA 7A loans, conventional loans, and equity investors to make large acquisitions with minimal personal investment. Whether you're an experienced investor or just starting, this video provides invaluable insights into achieving high-leverage financing. Question: Hello, I'm looking into acquiring a business valued at over $5 million without using my own money. Can you explain how to structure the equity for a no-money-down SBA deal for such large acquisitions? Thanks, Chris.
Question: Beau, I've been advised by my franchise brokers preferred that a 30% equity injection is required. I'm looking for alternatives to avoid such a high cash out like. Your insights would be appreciated. Thank you. -Bob If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
In this exciting episode of Tickers, Thaon Simms and Matthew Preston dive deep into DOLLA Financials' latest developments, including the potential spin-off of its subsidiary, Ultra Financial, and the company's aggressive growth plans. Learn about the microlending strategies fueling DOLLA's rise and what investors can expect from this dynamic company. Could Ultra's spin-off be the next big IPO? Tune in to find out how DOLLA Financial is changing the game in the Jamaican financial landscape!
Send us a textJoin us on Average Joe Finances as our guest Herman Dulce Jr., the founder of Bella Sloan Enterprises, shares his remarkable journey from a social worker to a renowned financial literacy advocate. Herman also discusses leveraging credit to make impactful financial decisions, including house hacking and buying his first property. The conversation covers credit repair, business funding, and strategic relationships in real estate investments.In this episode:Discover how leveraging credit can be a powerful tool for building wealth, not just for consumer spending but for acquiring assets like real estate that generate long-term income.Learn about the importance of early banking relationships and establishing credit with diverse financial institutions to expand business funding opportunities.Explore how house hacking, or investing in multifamily properties, can help you transition from renter to homeowner while creating cash flow.Understand the significance of surrounding yourself with successful and failed mentors to learn valuable lessons from both achievements and mistakes.And so much more!Key Moments:00:03:19 Herman Dolce Jr.'s Background and Journey00:05:51 Financial Literacy and Early Lessons00:09:51 Real Estate and House Hacking Strategies00:11:40 Building Credit and Business Funding00:14:00 Navigating Today's Real Estate Market00:18:40 Advice for Aspiring Investors00:22:04 Real Estate Investment Strategies00:24:31 The Power of Good Credit00:25:12 Building Relationships with Banks00:26:25 Credit Optimization Tips00:29:12 Business Loans and Credit Cards00:31:53 Final Round: Personal Insights00:37:26 Closing Thoughts and ResourcesFind Herman Dolce Jr. on:Website: bellasloanenterprises.com Instagram: http://www.instagram.com/haitian_ceo Youtube: https://www.youtube.com/c/BellaSloanEnterprises Email: info@bellasloanenterprises.com Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
Ready to buy your first franchise? Discover how to secure SBA financing to buy your first franchise with expert insights from Beau Eckstein. Learn the strategies and steps necessary for a successful loan application and business launch. Join Beau as he breaks down everything you need to know about securing SBA financing to make your entrepreneurial dream a reality. If you'd like to meet with Beau to talk financing, book a call here ( http://bookwithbeau.com/ )
Rodger Carroll Commercial Funding Specialist Trigon Financial Group, LLC rodger@trigonfinancial.com Office: 615 576 0932 Cell: 270 519 4872 www.trigonfinancial.com Ready to get $150k+ in 0% interest funding go here now - https://financiallyabundant.com/funding/ Want to start your own financial business with a world class one on one mentor go here now - https://powerbrokers.io/become-a-business-loan-broker/ Want to learn how to fix your credit, business business credit and fund yourself join here for $49/pm now - https://www.skool.com/financially-abundant-9678/about Subscribe to youtube - https://www.youtube.com/@TheLyonShow?sub_confirmation=1 Join The Day Trading Mentorship Skool - https://www.skool.com/day-trading-mentorship-5421/about
Join Doug Crouse on the Mortgage Minute as he discusses how he can connect you with the right resources for business loans, car loans, and home equity lines of credit. While not directly related to mortgage services, Doug is here to point you to the experts at BMO who can help with your financial needs. Plus, get details on how to receive a free copy of his book, "The Hippocratic House. Plus, don't forget to reach out for a free copy of Doug's book, The Hippocratic House, by emailing doug.crouse@bmo.com. Tune in for more insightful mortgage advice! To learn more about Doug, go to www.DougCrouse.com.
Clark discusses the big bank response to higher savings rates and spells out your options to make the most of your savings. Also today - small business owners are stuck between a rock and a hard place when it comes to borrowing money. Beware “quick” loans. Clark has a better way. Maximize Your Savings Rate: Segment 1 Ask Clark: Segment 2 Legal Loan Sharks Plague Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Banks pay savers more as ‘higher-for-longer' rates hit interest income Clark.com - Best High-Yield Online Savings Accounts Montway Auto Transport: Top-Rated Auto Transport Company uShip Review: 5 Things To Know Before You Use the Shipping Service Facebook Marketplace Scams: Everything You Need to Know Small businesses are still struggling to get financing, a year after bank failures Best Small Business Credit Cards: Top Picks for 2024 (Clark.com) Best Cash Back Credit Cards With No Annual Fee in 2024 Best 2% Cash Back Credit Cards: 8 Options in 2024 Warning: Why You Should Never Buy Visa Gift Cards Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members How To Get the Best Price Possible Shopping Online Clark Deals - Today's Best Deals of the Day How To Spot a Fake Online Store in 6 Easy Steps Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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