Podcasts about sba

Ruchik Gandhi was a diligence CPA when he decided to get in the game himself. Becoming an owner has been an education.Topics in Ruchik's interview:India > Australia > US immigrationDiscovery of the wonders of multiple arbitrageReceiving the deal from another searcherPaying a $20k finder's feeBuying a fabrics and upholstery workroomLearning how to manage a blue-collar workforceMishandling employee relationshipsTaking feedback from his managersEarning the employees' trustHis plan for growth in a fragmented industryReferences and how to contact Ruchik:LinkedInWindow 25Download the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Zack Folk is a Business Development Officer at the St. Louis Economic Development Partnership (STL Partnership), where he connects businesses with capital solutions that drive job creation and investment across the region. Since joining STL Partnership in 2016, he has held roles in both business development and finance, including Credit Analyst, before moving into his current position in 2020. Zack specializes in marketing and managing economic development finance programs such as the SBA 504 loan and local and federal revolving loan funds. He works directly with business owners and lending partners to guide applications, structure loans, and minimize risk—helping businesses improve cash flow, purchase real estate, refinance debt, or acquire equipment. With a BA in Economics, Political Science, and International Studies from the University of Missouri-Columbia and an MBA in Economics from Saint Louis University, Zack also connects clients to broader STL Partnership resources, including business counseling, trade assistance, tax incentives, and incubator space—ensuring businesses have the tools to grow and thrive in the St. Louis region.   Resources: https://stlpartnership.com/

Learn how to build business credit fast and access capital without destroying your personal credit Build business credit fast and unlock funding opportunities most entrepreneurs never discover—that's exactly what you'll learn in this game-changing episode with Ty Crandall, who runs the world's largest business credit coaching operation. Charles Gaudet and Ty dive deep into the critical mistakes business owners make when funding their companies, revealing why the worst time to seek money is when you actually need it. Ty shares his proven "3 C's Formula" (Cashflow, Credit, Collateral) that has helped thousands of businesses access over $30 million in funding monthly, and you'll discover how to separate your personal finances from business liability, build a fundable business credit profile from scratch, and tap into funding options ranging from $160K in 0% interest credit cards to 4% EIDL loans with 30-year terms. Ty Crandall is a military veteran, world-renowned business credit and financing expert, and successful entrepreneur who has transformed personal tragedy into a mission of service. As the author of two best-selling books on consumer and commercial credit, Ty is also a high-level business coach who helps entrepreneurs scale to 8-figures and beyond, and an international speaking sensation. After losing everything during the 2008 financial crisis—including his mortgage company, personal assets, and even resorting to passing bad checks to keep electricity on for his pregnant wife—Ty rebuilt from ground zero with a fundamental shift in purpose. His painful experience drives his commitment to educating business owners on building fundable companies while protecting their personal assets, making Credit Suite the go-to resource for entrepreneurs seeking capital access at favorable terms without personal guarantees. KEY TAKEAWAYS: The worst time to ask for money is when you actually need it—entrepreneurs should prepare and secure revolving credit lines before cash flow problems arise. Business owners should double their estimated startup costs and timelines, as ventures typically take twice as long and cost twice as much as anticipated. Building business credit is separate from personal credit and should begin the moment you start your business to avoid personal liability and guarantee requirements. The "3 C's Formula" determines funding eligibility: Cashflow, Credit, and Collateral—if you have all three, you qualify for SBA loans; if you have one strength, focus on lenders specializing in that category. Unlike personal credit, business credit scores (like Paydex) are based solely on payment history, inquiries don't hurt your score, and 90% of vendors don't report unless you're intentional about it. Entrepreneurs should stock up on revolving credit whenever available and when terms are favorable, even if they don't need it immediately, to prepare for economic downturns or unexpected opportunities. Alternative funding options beyond traditional banks include merchant cash advances, credit card stacking ($160K at 0% for 18 months), asset-based lending (stocks, 401Ks, cryptocurrency), and EIDL disaster loans at 4% for 30 years. Using brokers instead of going directly to lenders provides access to more funding options, better negotiating power, and often costs nothing extra since lenders pay referral fees to brokers. Link's mentioned in the episode: creditsuite.com/blueprint https://www.linkedin.com/in/tycrandall Growing your business is hard, but it doesn't have to be. In this podcast, we will be discussing top level strategies for both growing and expanding your business beyond seven figures. The show will feature a mix of pure content and expert interviews to present key concepts and fundamental topics in a variety of different formats. We believe that this format will enable our listeners to learn the most from the show, implement more in their businesses, and get real value out of the podcast. Enjoy the show. Please remember to rate, review and subscribe to the podcast so you don't miss any future episodes. Your support and reviews are important and help us to grow and improve the show. Follow Charles Gaudet and Predictable Profits on Social Media: Facebook: facebook.com/PredictableProfits Instagram: instagram.com/predictableprofits Twitter: twitter.com/charlesgaudet LinkedIn: linkedin.com/in/charlesgaudet Visit Charles Gaudet's Wesbites:  www.PredictableProfits.com www.predictableprofits.com/community  

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS Support the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS See omnystudio.com/listener for privacy information.

Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Elliot Holland. The managing partner of Guardian Due Diligence. Here’s a breakdown of the key topics and highlights: Key Themes & Highlights Buying Small Businesses vs. Franchises Holland explains the differences between purchasing a franchise and acquiring an independent business. He highlights the risk-reward balance, noting that franchises offer a structured model, while independent businesses can be more lucrative but require deeper due diligence. Financial Strategies for Business Acquisition He discusses the SBA 7(a) loan program, which allows buyers to acquire businesses with 90-95% financing, making ownership more accessible. Holland explains how leveraging financing can turn a small investment into a million-dollar business. Due Diligence & Avoiding Bad Deals He emphasizes the importance of financial diligence to ensure buyers don’t acquire failing businesses. Holland shares red flags to watch for, such as misleading financials and sellers masking poor performance. Masterclass for First-Time Buyers Holland introduces his Business Buying Masterclass, designed to educate entrepreneurs on the acquisition process. He provides one-on-one coaching, helping buyers navigate financing, negotiations, and deal structuring. Success Stories & Case Studies He shares examples of clients who successfully acquired businesses, including a 24-year-old entrepreneur and a 60-year-old investor. Holland highlights how his expertise helped buyers secure financing, conduct due diligence, and close profitable deals. About Elliot Holland & Guardian Due Diligence Elliot Holland is a Harvard MBA, private equity investor, and business acquisition expert. He founded Guardian Due Diligence to help first-time buyers confidently purchase profitable businesses. His firm specializes in financial diligence, ensuring buyers make informed decisions and avoid costly mistakes. Through his masterclass and consulting, Holland empowers entrepreneurs to build wealth through business ownership. #BEST #STRAW #SHMS Steve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Thinking of diversifying into business note investing? This ain't your grandma's real estate note. David Barnett joins us to expose the real risks of buying paper backed by businesses. Forget passive income dreams; this is a hands-on (or hands-off-and-lose-everything) game. Buckle up, buttercup, because we're diving headfirst into the due diligence disasters and non-compete nightmares that await the unsuspecting note investor. We're serving up a healthy dose of reality – this episode will have you questioning every "opportunity" landing in your inbox.Tangible vs. Ethereal Collateral: Real estate notes? Houses you can touch. Business notes? Goodwill...and maybe a delivery truck with a bank lien. See the difference?Subordinate Liens = Subordinate Rights: Think you're calling the shots? An SBA loan ahead of you means you're just along for the ride.Non-Compete Clauses: Worthless Paper? Learn why that non-compete might not be worth the paper it's printed on, and how a vengeful seller can still ruin your day.Financial Statement Fantasies: Those P&Ls? Probably fiction. Discover the accounting shenanigans that can turn a profitable business into a money pit overnight.The "Expert" Fallacy: Thinking of stepping in to run the business yourself? Unless you're an industry whisperer, prepare for a crash course in value destruction.Until Death Do You Part: Business Notes are not all cashflow and dreams. David shares why buyers need to be wary of these types of investments unless they are familiar with the business and ready to step in and help.Let's be honest: buying business notes is not for the faint of heart. It's a high-stakes gamble where the odds are often stacked against you. While there are opportunities to profit, they are buried beneath layers of risk, complexity, and potential deception. If you're not prepared to roll up your sleeves, get your hands dirty, and potentially lose it all, then walk away. Your portfolio (and your sanity) will thank you. Remember, note investing in all assets can be tough so get the right education and don't just take some "experts" advice!Book a Call with David Barnett Here!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Undeterred by self doubt, Danyelle Nys bought a $400k SDE business at a fantastic price. She's grown it 25% in year one.Topics in Danyelle's interview:Working in her family's asphalt businessLearning about ETA from a masterclassHiring a coach for the search processBuying a business for the price of inventory + working capitalThe seller was running it remotelyRaising prices and salaries after acquisitionDealing with an obstinate commercial landlordMoving 14,000 sq ft of inventory to a new warehouseHiring her mom as the bookkeeper“F*** your mood. Follow the plan.”References and how to contact Danyelle:LinkedInDecorus Home StagingKyle Boyden & Jake Furfaro on Acquiring Minds: Stacking Small Acquisitions to $5m in RevenueGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Your dream of owning a boutique fitness studio is the fuel, but the engine that gets you to opening your doors is funding. Knowledge and tenacity are your accelerator.   Understand your money options with Alina Cooper, Director of Start Your Studio Profitably, and Coach Matt Hanton in Episode 682: How to Fund Your Studio Without Drowning in Debt.   Go solo: bootstrap your business to maintain control and avoid bad debt Pursue tried & true: apply for an SBA (government-backed) loan as a solid source Nudge your network: enlist private investors to partner with you financially Appeal to the masses: try crowdfunding to supplement your own big investment Roll with the punches: expect the unexpected, delays and rejection along the way    The bottom line? If you're not a numbers person, you really need to become one to run a thriving business. Start learning early in your journey with Episode 682.   Catch you there,   Lise   PS: Join 2,000+ studio owners who've decided to take control of their studio business and build their freedom empire. Subscribe HERE and join the party! www.studiogrow.co www.linkedin.com/company/studio-growco/  

This week on The Art of SBA Lending, we go behind the scenes with Heidi Whitesell to unpack the leadership, culture, challenges, and ultimate wind-down of a successful SBA lending division. Ray Drew sits down with Heidi, who he calls one of the best leaders he's ever worked for, to discuss the philosophy that created a legendary, family-like culture in a fully virtual, non-bank setting. Heidi shares the vision for her former venture, Fund-Ex, which quickly climbed the national rankings without losing its unique team culture. She reveals her leadership principles, including the powerful belief that "love always works," and explains how relentless positivity, transparency, and providing resources ahead of revenue were the keys to their success—even in a highly complex industry. The conversation takes a raw and emotional turn as Heidi opens up about navigating the intense, uncertain process of a company sale and eventual wind-down while privately battling a serious health crisis, revealing why she chose to stay and fight for her team.

Ever wonder how investors turn complete failures into multi-million dollar success stories? Max Shah reveals his jaw-dropping journey from losing everything on his first hotel to building a hotel empire worth millions. In this episode, discover: 

In this episode of The Daily Windup, I expose the hard truth about financing in government contracting—why banks lend only to those who don't need money and how the wrong SBA loan can trap you for years. We unpack a real story of a contractor who borrowed $800,000 under a 10-year SBA loan only to find it blocked her from getting new funding for awarded contracts. I also share how the SBA's EIDL loans differ, why subordination matters, and the top five things you need to know about Encore Funding—a company that truly understands the business of federal contractors. Key Takeaways: $800,000 SBA loans can backfire if you grow faster than your repayment schedule. EIDL loans can be subordinated—traditional SBA loans can't, and that can limit your funding. Encore Funding specializes in helping contractors with flexible working capital when banks won't.

Show SummaryThis episode features a conversation with Kathleen Ellertson, the Founder and President of the Veteran Art Institute. The Veteran Art Institute is a 501(c)3 Nonprofit dedicated to honoring and empowering active-duty military and veterans through the arts.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestKristin Saboe, PhD, is an Industrial-Organizational Psychologist that uses science and research to drive large-scale impact at the intersection of strategy, policy, and research. She is the Head of Employee Voice at Google, a professor at Georgetown University, and a U.S. Army Reserve futures innovation officer. Dr. Saboe previously led Employee Listening, Research, and Strategy at The Boeing Company. In this role she authored and led Boeing's talent strategy for veterans and military connected employees. Prior to this, she served as an Army Research Psychologist establishing strategy and policy for performance optimization, analytics, and talent management. She holds a PhD in Industrial-Organizational Psychology, is a fellow of the American Psychological Association, Society for Industrial-Organizational Psychology, and the Society for Military Psychology. She received the early career award from both the Society for Military Psychology and the Society for Industrial-Organizational Psychology and was recognized for her leadership impact by the President George W Bush Institute in 2019. She is co-editor of the book Military Veterans Employment: A Guide for the Data-Driven Leader and provides pro bono support leading Government Relations and Advocacy for the Society for Industrial-Organizational Psychology, as founding board member of the Military Psychology Foundation, and for several nonprofits.Links Mentioned During the EpisodeMilitary Veteran Employment: A Guide for the Data-Driven LeaderPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the previous episode in this MCON series, episode 236 with Air Force Veteran Chris Jachimiec, a dedicated speaker and proponent for suicide prevention based on his own experience as a suicide loss survivor   You can find the resource here:  https://psycharmor.org/podcast/chris-jachemic Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Azra and Mark introduce Inclusiv's new business lending program for credit unions in New York state. WHAT YOU WILL LEARN IN THIS EPISODE:✅ How CDFI credit unions can launch or expand their small business lending programs through Inclusiv's eight-week Small Business Capital Initiative training that covers regulations, portfolio development, and community outreach strategies.✅ The benefits of Inclusiv's loan participation marketplace for credit union small business lending, including how credit unions can buy or sell loans while Inclusiv co-invests to share both opportunity and risk with participating institutions.✅ How the loan loss fund provides up to 20% guarantee on charged-off loan balances for community development credit unions engaged in the loan participation marketplace, helping reduce risk for both buyers and sellers.✅ Strategies for credit union lending programs to strengthen their presence in local communities through effective small business technical assistance, marketing outreach, and building high-touch relationships with business lending members.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Introduction to credit union services and business lending solutions, including loan participations, SBA lending, and loan workouts for credit unions nationwide and Puerto Rico01:26 Azra shares her career journey in community economic development and working with CDFI credit unions to expand financial inclusion for underserved communities04:07 Discussion of the community outreach of credit unions, making them different from the banking industry 06:05 Overview of Inclusiv as a CDFI network supporting community development to help low and moderate-income communities achieve financial inclusion 08:33 Details on Inclusiv's Small Business Capital Initiative training program launching October 1st, an eight-week course for credit unions to serve small business loan programs 11:28 Explanation of Inclusiv's loan participation marketplace and loan loss fund, and the new Inclusiv Business Forward, helping CDFI credit unions expand small business lending KEY TAKEAWAYS:

In this week's episode of Real Estate Rundown, hosts Ted Kaasch and Owen Dashner sit down for a no-fluff conversation about what's really happening in today's real estate world.From Fed rate cuts to mortgage realities, Ted and Owen break down how market headlines often miss the mark — and what investors should actually pay attention to. They dig into SBA loan options, current deal negotiations, and even the ethics behind transitioning multifamily buildings into nonprofit housing.As always, the guys mix in some humor, real-world experience, and a few “don't-try-this-at-home” stories — like Ted's car-wash purchase hunt and Owen's LOI showdown.

Get the ultimate franchise funding playbook from a franchise business coach and funding expert. This guide covers the new lending reality, a deep dive into using the ROBS plan and securing SBA loans, and a financial due diligence checklist to achieve franchise freedom. If you're looking for franchise funding options or a franchise career advisor, this is the definitive resource for preparing and securing the capital you need to invest in a franchise and succeed.*DISCLAIMER: The information on this podcast is for general information purposes only. Franchising involves risk and careful consideration should be given before making any decisions.Connect with Franchise Freedom on:Website: https://ggthefranchiseguide.com/podcast/ LinkedIn: https://www.linkedin.com/in/giuseppe-grammatico/ Facebook: https://www.facebook.com/GGTheFranchiseGuide X: https://x.com/ggfranchguide Instagram: https://www.instagram.com/ggthefranchiseguide/ YouTube: https://www.youtube.com/@ggthefranchiseguide Apple: https://podcasts.apple.com/us/podcast/franchise-freedom/id1499864638 Spotify: https://open.spotify.com/show/13LTN5UzA57w2dTB4iV0fm TikTok: https://www.tiktok.com/@ggthefranchiseguide The Franchise Freedom: Discover Your New Path to Freedom Through Franchise Ownership, Book by Giuseppe Grammatico https://ggthefranchiseguide.com/book or purchase directly on ...

A long-standing Northeastern Ohio pool service company with ~$1.95M revenue and ~$454k EBITDA is up for sale at ~3x SDE, sparking debate on seasonality, retail real estate, and debt structures in a niche where private equity rarely ventures.Business Listing – https://www.bizbuysell.com/business-opportunity/pool-service-company-in-northeastern-ohio/2332791/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Jeremy Ames is the Co-founder and CEO of Guidant Financial, a firm that helps entrepreneurs access capital via retirement-fund rollovers, SBA loans, and administrative services. He co-founded the company in 2003 with just $10,000 and a laptop. Over the years, Guidant has helped over 30,000 people start or buy small businesses and franchises across the US. Jeremy also has experience owning franchise operations himself and has launched additional ventures in media and business services. In this episode… Many aspiring entrepreneurs dream of owning a business but feel stuck because of financial barriers. Between mortgages, family expenses, and the uncertainty of leaving a steady job, the leap to ownership can seem impossible. How can everyday people actually make the transition from employee to business owner? According to Jeremy Ames, a seasoned entrepreneur and financing innovator, the key lies in smarter, more accessible funding strategies. He highlights how retirement funds and SBA loans can be leveraged to buy or start businesses without the traditional roadblocks of capital. By demystifying these financial tools, he shows how thousands of aspiring owners have turned savings into startups. The impact has been transformative, creating opportunities for people who never thought business ownership was within reach. Tune in to this episode of the Smart Business Revolution Podcast as John Corcoran interviews Jeremy Ames, Co-founder and CEO of Guidant Financial, to talk about empowering everyday people through smart financing. You will learn how retirement funds can unlock business ownership, why SBA loans remain powerful, and how innovative financing structures fuel growth. Jeremy also shares lessons on scaling, resilience, and the future of AI in entrepreneurship.

Growth Through Acquisition: Lessons from Navy Veteran and Entrepreneur Gary MacDermidEntrepreneurship often requires both discipline and strategic vision, and few embody that combination like Gary MacDermid—a Navy veteran turned successful business acquirer, investor, and author. In a recent episode of The Thoughtful Entrepreneur, host Josh Elledge sat down with Gary to discuss his journey from military service to civilian business leadership, offering actionable strategies for veterans and entrepreneurs alike. This post distills key insights from the conversation, focusing on growth through acquisition, creative financing, and the importance of intentional goal-setting.Accelerating Growth Through Acquisition and Strategic Goal-SettingGary emphasizes that acquiring businesses—rather than relying solely on organic growth—can rapidly scale revenue, talent, and operational capacity. By identifying complementary businesses and overlaying high-value services, entrepreneurs can unlock immediate opportunities and enhance client value. Creative financing options, such as seller financing, SBA loans, and private investors, make acquisitions accessible even without deep upfront capital, allowing business owners to pursue strategic growth without overextending resources.Veterans, in particular, benefit from leveraging military discipline and intentional goal-setting, which Gary details in his book Set Your Own Goals or Someone Else Will. He recommends defining clear milestones, breaking down actionable steps, and seeking mentorship or peer accountability to navigate complex business decisions effectively. Beyond acquisition strategies, Gary stresses the importance of cultural integration and communication to ensure smooth transitions for both clients and staff, ensuring that growth is sustainable rather than just rapid.For all entrepreneurs, Gary underscores the value of overlaying high-ticket services on acquired businesses, continuously learning from new markets, and integrating processes that drive efficiency. Whether transitioning from military service or expanding an existing business, the principles of acquisition, strategic financing, and clear goal-setting serve as powerful levers to accelerate success.About Gary MacDermidGary MacDermid is a Navy veteran, investor, business acquirer, and author of Set Your Own Goals or Someone Else Will. He leverages his military experience and entrepreneurial expertise to help veterans, career changers, and business leaders strategically grow and scale their businesses.About Gary's CompanyGary specializes in growth through acquisition, creative financing, and advisory services that empower entrepreneurs to expand efficiently while maintaining operational and cultural integrity. His methods help businesses unlock hidden value and pursue strategic opportunities with confidence.Links Mentioned in This EpisodeGary MacDermid Website: https://garymacdermid.comBook: Set Your Own Goals or Someone Else WillKey Episode HighlightsGary's journey from Navy service to entrepreneurshipBenefits of growth through acquisition over organic growthStep-by-step approach to buying and integrating a businessCreative financing strategies: seller financing, SBA loans, private investorsOverlaying high-ticket services to maximize revenueIntentional goal-setting framework for veterans and career changersConclusionGary MacDermid's insights demonstrate that disciplined strategy, smart acquisition, and intentional goal-setting are essential tools for accelerating growth. By leveraging military experience, creative financing, and high-value service overlays, entrepreneurs and veterans alike can unlock...

When Washington shuts down, the ripple effect can hit small businesses hard. Today's program breaks down how a government shutdown really affects your business. From stalled SBA loans to cash flow shutdowns, lost customers and shaken confidence in the market. Today you'll learn how to protect your business, spot opportunities during chaos, and build the kind of resilience that keeps you moving evenwhen everything else stops. THIS IS NOT ABOUT POLITICS. It's about POWER- and how to make sure you keep yours.#governmentshutdownexplained#smallbusiness#podcast#businessgrowth#strategies#entrepreneur#advice#economic#news

Brian Seeling sought a blue-collar business with a good manager in place. He found exactly that — with $2.6m in revenue.Register for the webinar: Tactical EQ to Win Over Sellers and Brokers - TODAY! - https://bit.ly/46MlUhCTopics in Brian's interview:Being an entrepreneurial kidMoving from IT to blue-collarGetting value from SMBootcamp“Riches are in the niches”Satisfaction of developing peopleNot all SBA lending is the same“Billionaires do business with billionaires”Tactfully bringing about changeContinuing the commission-based compensation modelReplacing old tech in the businessReferences and how to contact Brian:LinkedInPGM ServiceWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

Think you need perfect credit and a pile of cash to buy a franchise? Think again. Former funding experts Shirley Kefgen and Tera Thomas from FranPath reveal the insider secrets that most aspiring business owners never hear about.    In this eye-opening conversation with host Sam Schweitzer, they expose why your local bank will probably say no, how to access your own retirement money without penalties or taxes, and the funding strategy that lets you borrow from yourself interest-free. From ROBS rollovers to home equity hacks, they break down every option that banks don't want you to know about.   Discover why "using other people's money" isn't always the smartest move, the myth about SBA loans that keeps people broke, and how one FranPath team member turned under $200K into a seven-figure business sale. If you think you can't afford to buy a franchise, this episode will completely change your perspective on what's possible.

Daniel sits down with Chelsea Linder, VP of Innovation and Entrepreneurship at TechPoint, to explore the what AI innovation and impact look like on the ground.  They discuss Chelsea's journey from the VC world into economic development/ innovation, the growth of an AI innovation network in Indiana (funded by the SBA), lessons learned from fostering AI communities, and how businesses are actually adapting to AI. Chelsea also shares insights from Techpoints AI workforce impact study, which explored AI related job creation and levels of AI adoption among other things.Featuring:Chelsea Linder – LinkedIn Daniel Whitenack – Website, GitHub, XLinks: TechpointSponsors:Shopify – The commerce platform trusted by millions. From idea to checkout, Shopify gives you everything you need to launch and scale your business—no matter your level of experience. Build beautiful storefronts, market with built-in AI tools, and tap into the platform powering 10% of all U.S. eCommerce. Start your one-dollar trial at shopify.com/practicalaiFabi.ai - The all-in-one data analysis platform for modern teams. From ad hoc queries to advanced analytics, Fabi lets you explore data wherever it lives—spreadsheets, Postgres, Snowflake, Airtable and more. Built-in Python and AI assistance help you move fast, then publish interactive dashboards or automate insights delivered straight to Slack, email, spreadsheets or wherever you need to share it.Learn more and get started for free at fabi.aiUpcoming Events: Join us at the Midwest AI Summit on November 13 in Indianapolis to hear world-class speakers share how they've scaled AI solutions. Don't miss the AI Engineering Lounge, where you can sit down with experts for hands-on guidance. Reserve your spot today!Register for upcoming webinars here!

This week I chat with Heather Mueur who is the owner, founder, and visionary behind The Embers, a glamping and RV resort in Branson, Missouri. Heather and her husband Ryan built and sold an auto parts business, and used the proceeds from that to purchase this abandoned campground.  Heather takes us through the 2-year process of permits, plans, and construction, as well as the financing process–everything from SBA loans to finding investors. I asked all about the additional income streams they created, including an onsite laundromat and coffee shop. And you'll also hear how she grew her social media account from a couple hundred followers... to over 100,000 from LITERALLY JUST ONE POST. Lastly, Heather teases us on her newest project, a boutique motel located just a couple miles from her campground which will be slowly renovated in phases to accommodate existing reservations! Connect with Heather @roaminghomeheather Follow @theembersbranson Thank you to my sponsors! Lodgify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Link⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Receive 20% off Lodgify's most powerful plans with code NoVacancy20 at checkout Proper - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Link⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit the link to claim your free risk assessment with Proper. Learn more about your ad choices. Visit megaphone.fm/adchoices

A “too-good-to-be-true?” SBA-prequalified cat-content brand with 3.9M Facebook followers, ~$872–$920k revenue and ~95% margins sparks a lively debate on platform risk, AI headwinds, and creative deal structures to de-risk the buy.Business Listing – https://quietlight.com/listings/17899268/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Jon is a top Franchise Consultant, investor, author, and speaker specializing in non-food franchising. As CEO of FranBridge Consulting, he draws on his experience as a former Inc. 500 franchise system president and multi-brand franchisee to help clients explore business ownership. Through FranBridge, Jon connects entrepreneurs with over 600 high-growth non-food franchise opportunities, providing expert guidance throughout the process. Previously, Jon served as President of ShelfGenie, a national franchise with 200 locations, and was Vice President of Sales at Carter's Inc., where he managed over $350 million in annual sales. He began his career as a Consultant with Accenture, working internationally. He is also the author of Non-Food Franchising and a recognized thought leader in the franchise and investment space. Jon earned a BBA in Finance and an MBA from the University of Georgia and was named to UGA's “40 Under 40” list in 2014. He lives in the Atlanta area with his wife and three children and serves on the boards of Growing Leaders, Inc. and the Entrepreneur's Organization while mentoring through various nonprofits.   During the show we discussed: Why focus on non-food franchises Why non-food often beats food franchising Helping clients discover unexpected franchise options What it's like to work with FranBridge Consulting Finding the right franchise fit Typical franchise investment range Common funding options (SBA, retirement, etc.) Why franchises earn 1.5X higher exit multiples Balancing risk vs. return in franchising Owner-operator vs. semi-absentee models Support systems from franchise partners Common franchising misconceptions Traits of successful franchise owners Resources: https://franbridgeconsulting.com/  

Show SummaryThis episode features a conversation with Kathleen Ellertson, the Founder and President of the Veteran Art Institute. The Veteran Art Institute is a 501(c)3 Nonprofit dedicated to honoring and empowering active-duty military and veterans through the arts.Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestKathleen Ellertson is the dedicated Founder and President of the Veteran Art Institute (VAI). Inspired by her father, an Army Air Forces Veteran and WWII Bronze Star Medal recipient, Kathleen has channeled her lifelong passion for the arts into a mission to honor veterans through creative expression. With a BFA in Art History and years of experience curating veteran art exhibits, including a notable year-long exhibit at the Pentagon, Kathleen has established VAI as a platform for veterans to showcase their work both online and in local galleries. Since its inception in 2019, VAI has not only hosted numerous art exhibitions but has also cultivated a nurturing community where veteran artists can share their stories and find solace. Kathleen's unwavering dedication to giving back to the veteran community continues to drive her work, making a meaningful impact through art and advocacy.Links Mentioned During the EpisodeVeteran Art Institute Web Site PsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor course Telling Your Story. Your experience in the United States military is one only you can tell and it's up to you how much you choose to share with others. In this course, four Veterans share their personal stories and offer insight.   You can find the resource here:  https://learn.psycharmor.org/courses/va-s-a-v-e Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Send us a textWant a business that doesn't just pay you—but can be sold for a multiple? We dive with Thomas Scott into the playbook behind low-investment, high-potential franchises and why home services are the quiet engine of real, sellable equity. From custom closets to dryer vents, Thomas breaks down how to “build the box”: modern marketing, a tight CRM stack, accessible SBA financing, and a category with durable demand. We talk strategy, not hype—how to win in crowded markets by studying the customer journey, undercutting legacy pricing, and delivering faster, cleaner experiences that today's buyers expect.We explore why closets deliver some of the highest ROI in home improvement, how Millennials and Gen Z are driving 24% industry growth, and what makes the business model so satisfying: one-hour design consults, clear proposals, and single-day installs that compound into referrals. Thomas opens the hood on support that actually moves the needle—intense onboarding, weekly group coaching, and specialist access with staff-to-owner ratios around 1:5 to 1:8. The message is simple: stop being the technician; step up as a small-business CEO. Track the right metrics, hire deliberately, and run the proven play.We also map the path to liquidity. A top salary can't be sold; a well-run franchise can. Learn how to structure territories around an EBITDA target, why month 18 is the turning point, and how resales move quickly—often inside the system—using creative structures like partial seller financing. You'll hear the traits that define top performers (hint: they follow the system), why coachable Gen Z owners are surging, and the exact inputs for predictable growth: reps, consults, and disciplined marketing spend.If you're ready to trade rented income for real equity, press play, take notes, and choose one metric to own this week. Subscribe, share with a friend who needs this roadmap, and leave a review to help more builders find the show.Visit www.weboughtafranchise.com to subscribe.Send us your questions for an upcoming episode at 305-710-0050.From your pals in franchise ownership, Jack and Jill Johnson. The Franchise Insiders Podcast Schedule A Call Text: 305-710-0050 Take our FREE Business Builder Assessment

In this episode, a $5.1M portfolio of seven KidStrong gyms in Texas is analyzed for its valuation, investor fit, and whether a multi-location kids fitness business is a scalable opportunity or operational headache.Business Listing – https://www.bizbuysell.com/business-opportunity/turnkey-multi-unit-kidstrong-franchise-opportunity-in-texas/2381018/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

The Lion panel breaks down the escalating federal government shutdown that kicked off October 1, 2025, as Democrats block funding bills and the Trump administration threatens mass layoffs of federal workers, furloughs for 900,000 employees, and cuts to programs like Medicaid and student loans. Host Chris Stigall and the team dissect the partisan blame game, with agencies like the VA and SBA using official channels to finger Democrats, while VP JD Vance warns of imminent reductions in force. They also tackle Secretary of War Pete Hegseth's sweeping military reforms, mandating "highest male standards" for combat fitness and daily PT for all ranks to end "fat generals." Plus, reactions to The Chosen shattering a Guinness World Record with Season 5 available in 50 languages, the Smithsonian's "anti-American" exhibits drawing White House ire for overemphasizing slavery and race, and teacher training shortfalls hindering school choice growth in states like Texas and Tennessee. A raw look at policy battles shaping our future.00:00:00 - Introduction00:01:10 - Smithsonian Bias00:02:20 - History Reframed00:03:37 - Immigration Op-Ed00:04:55 - Shutdown Surge00:05:42 - Teacher Training00:06:45 - Choice Expansion00:08:50 - Fitness Mandates00:10:18 - Hegseth Reforms00:12:16 - Furlough Threats00:15:42 - Partisan Blame00:18:21 - Chosen Record00:26:16 - Faith and Freedom 250Follow The Lion on Facebook, Instagram, X, and YouTube. You can also sign-up for our newsletter and follow our coverage at ReadLion.com. To learn more about the Herzog Foundation, visit HerzogFoundation.com. Like and follow us on Facebook, X, and Instagram, or sign up to receive monthly email updates. #ChristianEducation #Education #EducationPolicy #EducationReform #FaithAndLearning #Family #FaithInEducation #Faith #Homeschool #ChristianSchool #PrivateSchool #EducationNews #News #Religion #ReligiousNews #PublicSchool #SchoolNews #NewsShow #SchoolChoice

Onu Okebie and Brian Boland wanted to retain 100% ownership when they began, so they used an SBA loan. It has paid off.Register for the webinars: The ABCs of Franchise M&A: Deal Sourcing, Diligence, and Integration - TODAY! -  https://bit.ly/481yThOHow PACT Simplifies Investor Deals Using SBA - Tue Oct 7th - https://bit.ly/48FjAvqTopics in Brian and Onu's interview:Forming a partnership in business schoolSearching for 2.5 yearsClosing on their first business while still in schoolBootstrapping their first acquisitionSacrifice and long commute the first yearWillingness to “be bad at something”Complexity of niche/time-sensitive freightAthletic grit carried them through acquisition challengesLearning to pitch to investors5 acquisitions in less than 5 yearsReferences and how to contact Brian and Onu:Brian LinkedInOnu LinkedInHTL FreightWebinar: Use an SBA Loan to Start a Roll-UpDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

This week on The Art of SBA Lending, we explore the world of USDA Business & Industry (B&I) lending, often considered the "last frontier" of government-guaranteed small business finance. Host Ray Drew, who admits to knowing very little about the program, is joined by a panel of USDA experts—Steve Small, Jason Hoerr, and Charles Conoley—to demystify this often misunderstood loan program. The panel provides a deep dive into the B&I program, which is designed to stimulate economic activity and job creation in rural areas (populations of 50,000 or less). They reveal key advantages over the SBA 7(a), including larger loan amounts (up to $25 million), 30-year terms on real estate, and eligibility for investment real estate and non-profits. We tackle the common misconception that USDA loans take forever, clarifying that acquisitions can be approved in 2-4 weeks after bank approval. The panel explains why the USDA culture is fundamentally different from the SBA, acting more as a participant in a conventional loan rather than a strict insurer. Finally, we dive into the controversial question: Should the USDA B&I program be absorbed by the SBA?

On today's episode of the podcast I'm breaking down the good, the bad and the ugly of the Big Beautiful Bill and how it impacts small business owners. The “Big Beautiful Bill” passed in July. Trump and the right are calling it a game-changer for small businesses and working families. On the surface, there are a few provisions worth celebrating. But as always, the devil is in the details. Much of the bill's benefit flows upward, not into the hands of true small business owners, freelancers, or everyday entrepreneurs. Let's break it down. The “Good” (At First Glance) There are some shiny pieces in the bill that sound great: Bigger Deduction for Pass-ThroughsOwners of LLCs, sole proprietorships, and S-corps now qualify for a 23% deduction on pass-through income (up from 20%). If you're already making decent money, this can cut your tax bill. If you're curious how this deduction works, I discuss that towards the end of Chapter 4 in the Unf*ck Your Biz book. No Tax on Tips & Overtime (for a while)Tipped income up to $25,000 and overtime pay up to $12,500 can be excluded from taxes between 2025–2028, as long as you fall under certain income thresholds. That's a temporary boost for some service workers. This is a tricky provision that will save some folks some minor taxes. Child Tax Credit BumpFamilies get a small, temporary increase in the Child Tax Credit, nudging it upward by $200. However, the bill also introduced stricter eligibility requirements. To claim the credit, both the taxpayer and the qualifying child must have valid Social Security numbers. This change could exclude millions of children from receiving the credit, particularly affecting low-income families Permanent Expensing for Equipment Businesses can now permanently write off the full cost of qualifying equipment in the year they buy it (100% Section 179 expensing). That's useful if you're investing in new tools, tech, or machinery. Estate & Gift Tax BreaksFamily-owned businesses and farms get higher exemptions from estate and gift taxes, making it easier to transfer assets to the next generation without a huge IRS bill. This expands, once again, tax breaks for the ultra wealthy as the first $13.61 million was already excluded. The “Not So Beautiful” Reality While the headlines sound fabulous, here's what's lurking beneath: Temporary Gimmicks The no-tax-on-tips and overtime breaks expire after 2028. Same with the boosted child credit. They'll feel good for a few years, but unless Congress acts again, they vanish. Skewed Toward the WealthyAccording to the Tax Policy Center, 60% of the tax cuts in the bill would go to the top 20% of households, with more than one-third benefiting those making $460,000 or more. In contrast, the lowest-income 20% would see a tax cut of less than 1%, or about $160 on average, and including the loss of some Affordable Care Act health insurance premium subsidies, their net tax cut would fall to only about $60. Additionally, the Congressional Budget Office (CBO) estimates that the top 10% of earners would see incomes rise by 2.7% by 2034 mainly due to tax cuts, while the lowest 10% would see incomes fall by 3.1% due to cuts to programs such as Medicaid and food aid. These analyses highlight the disproportionate distribution of tax benefits, with higher earners receiving significantly more substantial cuts compared to lower-income households. Cuts Elsewhere to Pay for ItTo offset revenue loss, the bill guts key credits for clean energy and electric vehicles—areas where many small businesses and families were saving money. At the same time, it sets the stage for future cuts to social programs like Medicaid and SNAP that working families actually rely on. Deficit ExplosionThe Congressional Budget Office projects this will blow up the federal deficit. And history tells us that when deficits balloon, lawmakers often come for small business programs or the social safety net next. Complexity Creeps InPoliticians called this “simplification,” but the IRS and tax pros now face a mountain of changes to implement. For many small business owners, that means more time with your accountant and more money out of your pocket just to stay compliant. Health Insurance & Medicaid: The Coverage Cliff If you or your team rely on the ACA marketplace, brace yourself: the enhanced premium tax credits that made health insurance more affordable are set to expire at the end of 2025. That means monthly premiums could skyrocket. A 60-year-old couple earning $85,000 could see their annual premium jump from around $7,000 to over $22,000 (Kaiser Family Foundation). On the Medicaid side, the bill makes deep cuts—hundreds of billions of dollars over the next decade. It also reintroduces work-reporting requirements and forces enrollees to reverify eligibility every six months starting in 2027. Millions of people will fall through the cracks, not because they don't qualify, but because the paperwork is too complex or because they lose hours at work. For small businesses, this means: Higher costs if you cover employees. Less stable coverage for staff and contractors. Communities with more uninsured neighbors, which ultimately hurts local economies. The Bigger Picture The bill is marketed as “beautiful” because it offers short-term tax cuts and shiny perks. But it comes with a long-term price tag: exploding deficits, weakened safety nets, and higher health costs for millions. History shows us what comes next: calls for even deeper cuts to programs small business owners actually rely on, like SBA loans, workforce training, and infrastructure. So yes, you might get a slightly bigger deduction today. But tomorrow? You're looking at higher health premiums, fewer community supports, and a more fragile economy to build your business in. That's not so beautiful. My jaded take. Republicans have a tendency to cut programs that make real differences in people's lives, they phase out health care assistance, cut medicaid, and act in favor of large corporations. But then they will throw us all an extra $200 tax credit, send it with a check with Trump's signature. Maybe if we're lucky, we will get a Trump commemorative coin, a hat, or a box of steaks. Wooo. They rely on us remembering the simple things and forgetting about or not understanding the more complex laws they passed that furthers the wealth divide and makes life harder for almost everyone. As always, stay informed, keep your tax pro close, and don't buy the spin just because it comes with a flashy name.

Show Summaryfeaturing a conversation with PsychArmor's own Jenna Pryor, Vice President of Partnerships, and the Co-Hosts of Humana Radio's The Debrief Podcast, Donny Distler and Leigh Barnett. Donny and Leigh have a great conversation about how PsychArmor's courses can support Suicide Prevention and greater awareness of military culture in the health provider community.  Provide FeedbackAs a dedicated member of the audience, we would like to hear from you about the show. Please take a few minutes to share your thoughts about the show in this short feedback survey. By doing so, you will be entered to receive a signed copy of one of our host's three books on military and veteran mental health. About Today's GuestThis week's episode is a replay of a conversation with PsychArmor's Vice President of Partnerships, Jenna Pryor, and the Co-Hosts of Human Radio's The Debrief Podcast, Leigh Ann Barnett and Donnie Distler. Leigh Ann is a military family member who serves as an SNP Care Management and Case Manager with Humana, and Donnie is a Navy Veteran and Senior Acquisition Integration Professional with Humana. The Debrief Podcast is a series that is produced on behalf of Humana's SALUTE network resource group for Humana staff that have a military and veteran affiliation. Links Mentioned During the EpisodeHumana's SALUTE Network Resource GroupVA S.A.V.E. Training15 Things Veterans Want You to Know PsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the VA S.A.V.E. course. In collaboration with the Department of Veteran Affairs, this course covers suicide risk in the military and Veteran communities. Learn to identify at-risk Veterans and use S.A.V.E. steps to help make a difference.   You can find the resource here:  https://learn.psycharmor.org/courses/va-s-a-v-e Episode Partner: Are you an organization that engages with or supports the military affiliated community? Would you like to partner with an engaged and dynamic audience of like-minded professionals? Reach out to Inquire about Partnership Opportunities Contact Us and Join Us on Social Media Email PsychArmorPsychArmor on XPsychArmor on FacebookPsychArmor on YouTubePsychArmor on LinkedInPsychArmor on InstagramTheme MusicOur theme music Don't Kill the Messenger was written and performed by Navy Veteran Jerry Maniscalco, in cooperation with Operation Encore, a non profit committed to supporting singer/songwriter and musicians across the military and Veteran communities.Producer and Host Duane France is a retired Army Noncommissioned Officer, combat veteran, and clinical mental health counselor for service members, veterans, and their families.  You can find more about the work that he is doing at www.veteranmentalhealth.com  

Aizik Zimerman bought a home services business to build a consumer brand into his life's work. It seems to be working. Register for the webinar: The ABCs of Franchise M&A: Deal Sourcing, Diligence, and Integration - Thu Oct 2nd -  https://bit.ly/46E2uv8Topics in Aizik's interview:There is endless opportunity in home servicesHis goal of $1 billion in revenueAdvantage of his youthful energyGoing all-in on digital advertisingSmall business = big problemsFounder Mode theoryOrganic growth over acquisitionsYour must earn your right to diversifyWinning on Google with reviewsHiring overseas for auditing and marketingReferences and how to contact Aizik:LinkedInJohn Wilson on Acquiring Minds: Buying Small, Growing Big: From $1m to $26mGet complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

#608 We're wrapping up our three-part series on the Seven Rules for Creating Wealth with Andrew Giancola of The Personal Finance Podcast! In this final episode, Justin and Andrew dive into the power of entrepreneurial opportunities, whether starting a side hustle, buying a business, or scaling an existing one. Andrew shares his journey into business acquisition, including how he grew a thriving pickleball business, and breaks down the numbers behind smart business investments. Plus, they discuss the final (and most important) rule — using money as a tool to create a fulfilling life. If you haven't listened to Parts 1 and 2, go back and check them out, and don't forget to share this series with someone who needs it! (Original Air Date - 3/6/25) What we discuss with Andrew: + Entrepreneurial opportunities for wealth-building + Buying vs. starting a business + Andrew's pickleball business success story + Finding businesses for sale online and off-market + Business financing with seller financing & SBA loans + Side hustles before quitting your job + Passive income for financial freedom + Smart spending as a skill + Wealth as a tool for a great life + Abundance mindset for success Thank you, Andrew! Check out Master Money at ⁠MasterMoney.co⁠. Listen to ⁠The Personal Finance Podcast⁠. Watch the ⁠video podcast⁠ of this episode! To get access to our FREE Business Training course go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MillionaireUniversity.com/training⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. And follow us on: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

On September 8 the world saw the npm supply chain attack. Fortunately the community reacted in record time to avert a disaster. In todays episode we have Constanze Roedig, Key Researcher at SBA Research, who introduces us to the new buddy of SBoM (Software Bill of Materials): SBoB (Software Bill of Behaviors) and her thoughts on how that new approach to fingerprinting software can help cyber security teams. What's a BoB? It's a detailed runtime behavior profile of software. It expands on the static validation option through SBOMs as it allows security teams to validate the correct execution behavior of deployed software at deploy time or continuously in production. Thanks to eBPF, a malicious behavior such as opening non expected ports or accessing non expected files can therefore be detected.Listen to Constanze who shares the work she and Vadim Bauer, Owner of 8gear, have done on this topic. You will learn about how software vendors can create their own SBOBs, ship them with their container images and how security teams can get alerted or enforce any detected malicious behavior. Make sure to check out their GitHub repo, star it if you like it and try their hands-on tutorial!Links:Constanze LinkedIn: https://www.linkedin.com/in/croedig/Vadim LinkedIn: https://www.linkedin.com/in/vadim-bauer/OBobCtl GitHub Repo: https://github.com/k8sstormcenter/bobctlCloud Native Summit Munich Talk: https://www.youtube.com/watch?v=XETuwndd_mw&index=11&pp=iAQBnpm supply chain attack: https://www.infosecurity-magazine.com/news/npm-supply-chain-attack-averted/

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training What does it really look like when employees step up to buy the agency they've helped run for years? Today's featured guest will share how she and her partners carried forward the 30-year legacy of an agency founded in the days of print and stamp, a business that has not only survived but thrived through three different ownership handoffs. You'll hear how they transitioned from licking envelopes to leading digital campaigns, navigated buying the business during COVID, and tackled the imposter syndrome that comes with suddenly being “the boss.” If you've ever thought about selling your agency, or buying one, this conversation is packed with lessons on culture, succession, and keeping an agency alive for the long haul. Alyssa Ash is one of the principals and co-owners of AOR, a creative and digital agency focused on branding, marketing, and web, with a strong focus on real estate development, municipalities, and economic development projects. Think housing solutions, community connections, and projects that shape cities—that's their sweet spot. Alyssa and her two business partners are the third generation of owners keeping AOR alive since its founding in 1992. A rare kind of legacy in agency land. In this episode, we'll discuss: How employees can be groomed into ownership. Lessons from buying an agency during COVID. Why imposter syndrome is normal (and even healthy). Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. A Legacy of Print and Culture Back in '92, AOR wasn't cranking out websites or SEO strategies. It was the time of print design, direct mail, licking stamps, and die-cut lounge chair mailers that made people long-time clients. It's not common that an agency that gets acquired lives on like this, but the founders had built something special. Each generation of owners didn't just grow the client list—they protected the culture. When the founders sold 13 years after starting the business, keeping that culture intact was non-negotiable. Fast forward again, and Alyssa's crew inherited not just an agency, but a philosophy: honor the people and the community as much as the work. Transitioning from Employee to Owner Unlike an outside buyer swooping in with an SBA loan, Alyssa and her partners were homegrown leaders. They'd each put in 10–15 years, running departments in strategy, sales, and operations. By the time the second set of owners started floating the idea of selling, the trio was already running day-to-day operations. At first, the conversation was casual, “Would you even want to own the agency someday?”, but over time it got real. The financial side was initially not even part of the conversation, although they did give a reasonable runway of five to ten years for the acquisition to happen. The fact that three of them shared the load made the acquisition possible. While the thought was intimidating at first, the gradual handoff built their confidence. By the time the deal closed, ownership felt less like a leap and more like the next natural step. Navigating an Agency Acquisition During COVID If you've ever thought about buying or selling an agency, you know the financing part can get tricky. For Alyssa and her partners, COVID hit right in the middle of negotiations. On one hand, this made it somehow easier for her and her partners to step even more into their roles as heads of the agency. While the owners stepped back from daily operations, Alyssa and her partners made the transition to their new roles. On the other hand, the pandemic did complicate things as SBA loans looked risky with interest rates climbing. Thankfully, the old owners worked out a five-year owner-financed note instead. That decision didn't just save them financially, it cemented trust. The outgoing owners wanted the next generation to succeed and structured the deal so everyone won. As Alyssa put it, “It didn't feel like a big shift… because we'd already been doing it.” Fighting Imposter Syndrome (and Why That's Healthy) Even with 15 years in the trenches, Alyssa admits stepping into ownership brought its fair share of imposter syndrome. She was still quite young, even though she felt comfortable leading day-to-day operations. This is where the former owner's trust really helped. They put her in a position to succeed and trusted she could make it. Ultimately, every agency owner feels that, no matter the stage of their career they're at when becoming an owner. In fact, it's the ones who don't who usually get tripped up by ego. Preparing the Next Generation So, is Alyssa grooming her team for eventual ownership? Not yet, it's too soon. But she is watching for the traits that made her and her partners natural fits: entrepreneurial thinking, leadership instincts, and a bias for taking responsibility. Her advice to other agency owners thinking about succession: Don't overlook your employees as potential buyers. Give them time and a runway to grow into the role. Protect your culture by keeping it in the hands of people who already live it. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

The FAR Part 19 deviation is here, and the world is not on fire. In this episode, I break down why “small business first” largely formalizes how agencies already operate, and why overreliance on 8(a), WOSB, and SDVOSB status is a risky strategy going forward. We talk about legal headwinds to socioeconomic programs, the SBA's shrinking role, and what contractors should do right now. The punchline is simple: position around outcomes, spend more time in pre-acquisition, build real relationships, and communicate value with clear metrics. If you do that, you will not just survive these changes, you will thrive. ----- Frustrated with your government contracting journey? Join our group coaching community here: federal-access.com/gamechangers Grab my #1 bestselling book, "I'm New to Government Contracting. Where Should I Start?" Here: https://amzn.to/4hHLPeE Book a call with me here: https://calendly.com/michaellejeune/govconstrategysession

James Bohannon of family office Belzberg & Co. explains the FO world and its untapped potential for searchers & sponsors.Topics in James's interview:What is a family office?Family office capital sustains private marketsYou may wear jeans, but there are tradeoffsPrivate, insular nature of family officesHow to network with family officesWhen it makes sense to exit to a family officeLong-term holds are a good fitPlaying defense and offense within family officesFamily offices do not need to raise capitalFamily offices may be friendlier to smaller dealsReferences and how to contact James:LinkedInGet a free review of your books & financial ops from System Six (a $500 value):Book a call with Tim or hello@systemsix.com and mention Acquiring MindsLearn more about Walker Deibel's done-with-you buy-side advisory:The Acquisition LabWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton RohozovProduced by Pam Cameron

This week on The Art of SBA Lending, we're doing something special: a Money Store reunion episode. The Money Store pioneered the Business Development Officer (BDO) model and revolutionized the SBA lending industry, holding the top position for 16 consecutive years. Host Ray Drew brings together four Money Store alumni-John Handmaker, Vince Calicchia, Joe Weiner, and Sam Renta-to share stories and insights from the company that changed SBA lending forever. The panel reminisces about the legendary BDO boot camps, the company's aggressive marketing, and its commitment to a sales-driven culture. They discuss what made The Money Store so successful and how that culture has influenced a generation of SBA lenders. From Mark Turtletaub's visionary leadership and theatrical flair to the infamous "Purple Palace," the alumni provide a rare glimpse into the "good old days" of SBA lending. The episode also features a surprise appearance from Mark Rattfield, a former underwriter who became a successful BDO after being inspired by a colleague's W-2 form.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Most agency owners stumble into their first business almost by accident, learning as they go. But have you ever considered buying your first agency as a way to enter the industry with a head start? The right acquisition can give you an established team eager to keep growing, a base of engaged clients, and strong positioning in the market. Today's featured guest took this path and is now the proud owner of a thriving agency. He always knew he wanted to run his own business, and when it came time to choose an industry, the agency model was the perfect fit for his love of project management and tech. He shares how he chose and purchased his agency, why he was fortunate to instantly click with the previous owner, the kind of deal structure he recommends for these situations, and the lessons he's learned along the way. Zander Barth is the Director of Colophon New Media, a website development and digital marketing agency in Charleston, South Carolina. He isn't your typical agency owner since he didn't start his agency from scratch. Before that, he was managing boiler houses and wastewater plants as a chemical engineer. His path went from factory floors and Tesla consulting gigs to agency owner. In this episode, we'll discuss: Why buy instead of build an agency from scratch? Retaining clients and culture in an ownership transition. Acquisition deal structure: earnouts, financings, and gotchas. Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Buy vs Build: Why Acquistion Wins Most agency stories start the same way: someone freelances, gets referrals, and suddenly they're running an agency. Not Zander. Having always wanted to work for himself, he was set on finding a business to acquire after realizing he didn't want to stay in the corporate grind. Instead of an MBA, he gave himself what he calls a “redneck MBA”—a crash course in QuickBooks, masterclasses, and every free course he could get his hands on. His search started broad. He looked at electrical contractors, engineering firms, and everything in between. But when a broker introduced him to Colophon New Media, something clicked. The agency world lined up with his love for project management, customer communication, and tech. He hit it off with the founder, who was ready to retire, and within four months, Zander was under a Letter of Intent (LOI). The Transition: Keeping Clients and Culture Intact One of the biggest risks in buying an agency is losing clients or losing the team. But Zander got lucky. The founder stayed on for six months to ease the transition, the team had incredible tenure (average of 8–10 years), and clients stuck around. Instead of turnover chaos, he stepped into a culture that was already strong. What he focused on was core values. He knew the agency's success was built on the team's shared beliefs and long-term commitment. His goal: protect that culture while adding new faces who align with it. Processes and systems matter, but at the end of the day, it's the people and values that keep clients around. The Deal: No Earnout, Straightforward SBA Financing Zander's purchase deal was simple: 10% equity down 10% seller note 80% SBA loan (7A) No earnout. Was it risky? Maybe. But for him, it worked because he and the seller had great rapport. They respected each other, and shared the goal of keeping clients happy and the agency thriving. However, Zander is very aware of how lucky he was and that is not always the case. So his advice for agency owners is to structure the deal in a way that people are incentivized to help the business grow after they're gone. Pro tip: Before buying, always ask the seller why they're really selling. Burnout, boredom, or just wanting to hit the road in an RV with their spouse - it all matters. If their motivations align with your vision, you've got a shot at a smooth handoff. Surprises, Gotchas, and the Role of Luck in Acquisition Every acquisition has surprises. For Zander, it wasn't massive skeletons in the closet but rather small bits of “tribal knowledge” that came up months later. Old client quirks, history buried deep, the stuff you don't see in due diligence. His mindset was just to roll with it. “I just try to get good at riding the wave,” he said. And he's honest about it: luck played a big role. You can prep all you want, but signing a deal that puts you on the hook for big debt is scary. You've got to trust your gut on the seller and back yourself to figure out the rest. Zander's advice is to make sure you vibe with the seller. As odd as it sounds, there's nothing more important in his experience than feeling he was able to truly understand the seller. He wanted someone who was really proud of their legacy and willing to grow and protect it. How AI is Shaping M&A and Agency Operations Back when he bought the agency, Zander was still not using AI in both due diligence and agency work. Now, however, he's building “co-pilot bots” to analyze data, troubleshoot, and even stress-test M&A opportunities. His advice for other agency owners: if you're not using AI daily, you're leaving efficiency—and insights—on the table. AI won't always 100% right, but it gets you thinking differently. For M&A especially, tools like ChatGPT can surface blind spots you didn't even know existed. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

In this episode, Kyle sits down with Robert Withers, from M1 Capital, and seasoned pro in commercial real estate finance, to discuss the recent changes in SBA rules and their implications for franchisors and franchisees. Chapters00:00 Introduction to Robert Withers and His Journey01:32 Understanding SBA Rule Changes03:03 The Importance of Equity in Lending05:01 The Shift in Lending Practices06:44 Challenges with Sold but Not Open Stores09:43 Navigating Franchise Agreements and Locations10:58 The Role of Business Plans in Financing11:49 The Importance of Proper Financing Structure14:07 The Shift from Residential to Commercial Financing15:18 Item 7 and Item 20 in Franchise Financing17:05 Capitalization and Investment Costs18:28 Advice for Franchisors on Financing18:50 Building a Strong Team for Success20:37 The Role of Specialists in Financing23:57 Real Estate Considerations in Financing24:33 The Importance of Title and Environmental Checks28:49 Conclusion and Key TakeawaysGet in touch with Robert WithersLinkedIn:https://www.linkedin.com/in/robert-withers-602b16/Email:rwithers@mortgage1.com

Get the Midterm Rental Insurance Blueprint: https://experimentrealestate.com/#blueprintIn this powerful episode of In The Lab, Ruben sits down with George Otel, a finance expert, entrepreneur, and investor who has carved a unique path from trucking fleets to becoming “the finance guy” for business and real estate deals. George immigrated to the U.S. in 2011, built a trucking fleet, then pivoted into real estate, business loans, and funding strategies after realizing the leverage and creativity that come from finance. Today, he's the go-to resource for SBA loans, equipment financing, commercial real estate, private lending, and complex deal structuring.George reveals how he helps entrepreneurs and investors unlock capital, stack funding sources, and position themselves for growth—whether it's acquiring businesses, scaling commercial assets, or tapping into the $10 trillion wave of baby boomer business exits. With a deep belief in buying back your time and focusing on one core skill, George shares how discipline, mentorship, and deal structuring literacy shaped his journey.If you're looking for a roadmap to financing smarter, leveraging hidden equity, and positioning yourself for the coming wealth transfer, this episode is packed with practical strategies and actionable insights. Tune in now to learn how George's “finance-first” approach can change how you play the game.HIGHLIGHTS OF THE EPISODE:21:38 George talks about creative financing.43:45 George talks about the $10 trillion baby boomer wealth transfer.KEEPING IT REAL:09:10 – Redefining financing12:40 – Structuring deals with multiple funding stages17:18 – Equity in equipment as collateral19:13 – Commercial brokers vs. finance brokers22:28 – Seller financing and tax advantages in acquisitions26:05 – Bridge loans, DSCR loans, and refinancing strategies31:12 – From trucking fleets to real estate and finance37:45 – Adding value when networking with mentors44:00 – The $10 trillion baby boomer wealth transfer opportunity51:50 – The sweet spot for acquisitions55:30 – Buying back your time and building teams using Dan Martell's frameworks1:02:25 – Business owners should own their buildings1:09:00 – Where capital is flowing next1:27:04 – How to connect with GeorgeCONNECT WITH THE GUESTWebsite:https://www.usbizfunding.net/Linkedin: https://www.linkedin.com/in/georgeotel/Instagram: https://www.instagram.com/georgeotel/?hl=enX: https://x.com/george_otel#BusinessFunding #RealEstateInvesting #Entrepreneurship #WealthTransfer #PrivateLending #CommercialRealEstate #BusinessAcquisition #FinancialLiteracy #IndustrialRealEstate #DealStructuring

In this episode of Small Biz Florida, hosted by Tom Kindred, the focus shifts to the financial tools that support Florida's small businesses, specifically within the craft brewing industry. Recorded live at the 2025 Florida Brewers Guild Conference in downtown Tampa, the episode features an insightful conversation with Gayle Hoshstrasser, Florida Sales Manager for Florida First Capital. Gayle shares her extensive experience in SBA lending and provides an in-depth look at how Florida First Capital, a Certified Development Company (CDC), works alongside the U.S. Small Business Administration to deliver SBA 504 loans. These loans are designed to help small business owners like those in the brewing industry acquire real estate, expand operations, and invest in long-term growth through fixed-rate, low-down-payment financing. The episode also breaks down what it takes to prepare for capital acquisition, including the importance of a solid business plan, tax documentation, financial statements, and expert guidance. Gayle emphasizes that building strong relationships with lenders and advisors is key to making informed decisions and sustaining long-term success. Whether you're a brewery owner, aspiring entrepreneur, or just curious about how SBA financing works, this episode offers valuable insights into one of the most impactful loan programs available to small businesses. This podcast episode was recorded live at the 2025 Florida Brewers Guild Conference hosted at the Tampa Marriott Water Street. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest & Sponsor: https://www.ffcfc.com

Savanna gets real real about hitting rock bottom — then building her way back up. From spiritual warfare and spooky kid ghost stories to therapy breakthroughs and AC unit meltdowns, she and Tyler unpack one of the most chaotic (and transformational) years yet. SBA 2.0 is here... and so is SB 2.0.Shop here now: https://www.savannaboda.com

Jamie Munoz, founder of Catalyst Integrators, shares how the Entrepreneurial Operating System (EOS) helped her scale a printing business from $2 million to $15 million in revenue and how it can work for video business owners of any size. She breaks down why so many entrepreneurs get trapped in the operator seat doing work that drains their soul, and provides a clear roadmap for getting out of operations and into the visionary role. Jamie also shares practical advice on hiring virtual assistants and the mindset shifts needed to stop being the bottleneck in your own business.  Key Takeaways Core values are your hiring and firing framework - When employees don't align with your company's core values (like being "hungry"), you have a clear framework for making personnel decisions rather than relying on gut feelings The accountability chart shows your scaling path - Instead of traditional org charts, EOS uses accountability charts that show people in multiple seats, making it clear where to hire next as the business grows Start with 20% time savings - Hire help for just 20% of your weekly tasks (about 8 hours) to free up a full day for revenue-generating activities that can pay for the help and then some Perfect is the enemy of profitable - Learning to let go of "10 out of 10" creative standards and accepting that "7 or 8 out of 10" often exceeds client expectations while maintaining profitability About Jamie Munoz Jamie Munoz is a rescue dog mom, who lives in Cave Creek, Arizona. She is the founder of Catalyst Integrators™ a fractional COO firm, winners of the SBA 2022, 2023 and 2024 Best Business Coaches award and ranked #640 on the 2024 INC5000 awards. They provide fractional COO Leadership for companies running on the Entrepreneurial Operating System (EOS®) from the book ‘Traction' by Gino Wickman. By teaming up with the CEO and the Leadership team, Jamie and her team of COO's help crystallize and execute on the vision for the companies they serve. In This Episode  [00:00] Welcome to the show! [05:03] Meet Jamie Munoz [06:02] Entrepreneurial Operating System [14:23] Vision Traction Organizer [25:18] When Can You Use EOS? [33:24] Getting Your Time Back [40:39] Who Not How [45:24] Connect with Jamie [46:52] Outro Quotes "Your people are free to be excellent elsewhere." - Jamie Munoz "No one will care about your business as much as you do. And no one will do things as good as you, right? Or as right as you would, or the same way you would." - Jamie Munoz "Being wanted, not needed is a nice seat to be in on the chart." - Jamie Munoz "Protecting your time as an entrepreneur is the number one thing." - Jamie Munoz "We are people who entrepreneurs want to figure it out themselves... But like over time, that only works so much." - Jamie Munoz Guest Links Find Jamie Munoz online  Connect with Catalyst Integrators on LinkedIn Links  FREE Workshop Available "How to Consistently Earn Over $100k Per Year in Video Production While Working Less Than 40 Hours Per Week" Join the Grow Your Video Business Facebook Group  Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram Check out the full show notes

On today's episode of The Daily Windup, I sit down with an entrepreneur who launched a blue-collar oil company in Boston with nothing more than grit, sacrifice, and a risky SBA loan. Starting with just $7,000 in cash and a $25,000 SBA loan, he went all-in during the worst possible timing—the 2007 financial downturn—when everyone thought he was crazy to get into the unstable oil markets. He shares how word-of-mouth, community support, and his background as a firefighter and veteran helped him grow from a one-man side hustle to nearly 50 employees supporting their families today. We also talk about the sacrifices required to get a business off the ground, how he used discounts to reward public servants, and why his military background gave him the discipline to survive in a cutthroat industry. His story is a powerful reminder that hard work and persistence can outlast market crashes, bank rejections, and doubt from others. This is one of those raw, unfiltered success stories that every aspiring government contracting or small business entrepreneur needs to hear.

On today's Daily Windup, I hammer home one of the most powerful—and most misunderstood—concepts in government contracting: the Rule of Two. If there's a reasonable expectation that at least two small businesses can bid at fair market prices, agencies are required to set contracts aside. Yet too often, agencies sidestep this by funneling work into IDIQs awarded to large firms. That's why the SBA is preparing a rule change to codify and expand the Rule of Two into law—closing loopholes and creating more set-aside opportunities for small businesses. I break down what this means for you: how small firms can shape requirements before solicitations are finalized, why teaming with competitors in logistics or IT is smarter than fighting each other, and why most small businesses are losing out simply because they're not responding. With 55 people on our call, I stressed this isn't theory—it's your chance to protect opportunities from being swallowed by the big players. Learn the Rule of Two, use it, and stop letting contracts slip away.

On this week's episode of Passive Income Playbook, Pascal Wagner interviews Sean Smith. They dig into the search fund landscape from traditional and self-funded models to independent sponsors, why the silver tsunami and SBA financing make now a compelling moment, and Sean's thesis of backing essential businesses serving attractive end markets. Sean also walks through his four-part diligence system and a 200+ point checklist, how he evaluates terms so LPs are actually protected, and what realistic deal flow looks like when you're only closing on roughly 2 percent of what you review. If you're curious how to be a sharper LP in small business acquisitions without running a company yourself, this one's your roadmap. Sean SmithCurrent role: Managing Partner, Search Fund VenturesBased in: Chicago, IllinoisSay hi to them at: https://www.searchfundventures.co/ | Linkedin This is a limited time offer, so head over to aspenfunds.us/bestever to download the investor deck—or grab their quick-start guide if you're brand new to oil and gas investing. Visit investwithsunrise.com to learn more about investment opportunities.  Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices