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In this episode of Acquisitions Anonymous, the hosts dig into a $4.4 M e‑commerce business in the diabetes sensor accessory space and debate whether its 41% net margin, Australian base, and licensing opportunity make it a smart buy—or a risky startup in disguise.Business Listing – https://websiteproperties.com/websites/13755-sticking-with-success-great-business-opportunity-in-the-growing-diabetes-market/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.
In this episode, the host interviews Kelcey Lehrich, founder of 365 Holdings and co-founder of the HoldCo Conference. Kelcey shares her journey from traditional business to e-commerce, the growth of 365 Holdings, and the challenges of acquiring and integrating multiple brands. He discusses the purpose of the Holdco Conference for multi-business entrepreneurs, strategies for stable acquisitions, and the realities of shared services. The episode offers practical advice on self-awareness, focusing on key business levers, and learning from experience in scaling and managing holding companies.Chapters:Introduction to Kelcey Lehrich and Holdco Conference (00:00:00)Kelsey introduces himself and explains the origin and purpose of the Holdco Conference for multi-business entrepreneurs.Kelcey's Journey into E-commerce and 365 Holdings (00:02:22)Kelcey shares how he and his partner entered e-commerce, acquired their first businesses, and built 365 Holdings.365 Holdings' Structure and Focus (00:03:30)Discussion of 365 Holdings' current scale, vertical integration, and future focus on food, baby, and consumable brands.Growth Strategies: Product Launches and Acquisitions (00:04:28)Comparison of launching new products versus acquiring businesses, and the importance of consistent experimentation.What to Avoid When Acquiring Businesses (00:05:52)Kelcey outlines lessons learned and what to avoid when evaluating acquisition opportunities.365 Holdings' Core Strengths and Incremental Improvements (00:07:04)Exploration of the company's strengths, vertical integration, and focus on small, compounding operational improvements.The Reality of Shared Services in a Holdco (00:09:54)Kelcey discusses the challenges and realities of sharing services across multiple brands in a holding company.Three Actionable Takeaways for Entrepreneurs (00:11:44)Host summarizes three key lessons: self-awareness, vision and action, and learning through experience in M&A.Kelcey's Book Recommendation (00:14:03)Kelcey recommends "The Hard Thing About Hard Things" by Ben Horowitz for entrepreneurs managing growing teams.Favorite Productivity Tool (00:14:40)Kelcey shares Superhuman as his favorite email productivity tool.Influential Figures in E-commerce (00:15:25)Kelcey discusses the many people who have influenced him, mentioning Gary Vee, Roland Frazier, and others.How to Connect with Kelcey and Learn More (00:16:59)Kelcey provides ways to connect with him and learn more about Holdco Conference and 365 Holdings.Links and Mentions:Tools and ResourcesSuperhumanWebsitesHoldco Conference365 HoldingsBooksThe Hard Thing About Hard Things by Ben Horowitz on AmazonInfluential FiguresGary Vaynerchuk (Gary Vee)Roland FrasierTranscript:Josh 00:00:00 Today I'm super excited to introduce you to Kelcey Lehrich. Welcome to the podcast, Kelcey.Kelcey 00:00:05 Thank you for having me. Great to be here.Josh 00:00:06 Kelcey I attended Holdco conference. You did a fantastic job. That was your first ever Holdco conference. Tell our guests a little bit more about this Holdco conference, because I think it's really unique. And you're kind of one of the first to kind of come up with this type of holding company conference.Kelcey 00:00:24 Yeah. So I appreciate your kind words and glad you could come. And we'll see you there next year. date's coming soon. so I have a friend in town named John Wilson. you can find him on the internet. He's pretty public. he and I met, and we both have, 50 to 100 employees, multiple tens of millions of revenue, and we have multiple businesses. And we knew a few other people that had similar circumstances. And there really was no event, no conference, no, kind of home base or hangout place for people like us.Kelcey 00:00:56 And one day I'm like, hey, like, why don't we go ahead and we'll host the party. and so John and I partnered on that project, and, from January, when it was kind of hatched with the tweet to July, it was a bit of a wild ride, but it was a lot of fun. We're really proud of the first year. And, yeah, it's meant to be the place that multi business entrepreneurs called the holding company, meet, learn, scale and grow. But the kind of niche there is that if you're in software and you're venture backed, there's a conference for you. If you are in real estate, there's a conference for you. If you are in insert any industry, sales, metal stamping, mobile home parks, whatever it is, there's a conference for you. If you're a Holdco entrepreneur, there really wasn't a place to call your own. And our vision for Holdco is to be kind of that home base for people like us.Josh 00:01:43 Yeah, I love that.Josh 00:01:44 I love what you guys have started there. And I think we'll dive into that a little bit in more detail later in this podcast. But Kelcey, you've got a vast experience in e-commerce. Obviously you have a holding company that has multiple brands. You've acquired multiple e-commerce brands, you've grown them, you've scaled them. So you have a wealth of knowledge. And for our listeners that have established businesses, they're looking to take things to the next level. I think they're going to be able to learn a lot from you. So why don't we rewind the tapes a little bit? Kelcey? And why don't you tell us a little bit about how you got into the e-commerce world to begin with, and then what led to the formation of 365 holdings?Kelcey 00:02:22 So six years ago, my partner and I, his name is Justin. I'm kind of the ideas guy, and he's kind of the executor. She's familiar with iOS. I've got the kind of visionary CEO role and he's kind of the integrator or CFO, and he and I have worked there for a long time.Kelcey 00:02:37 And prior to e-commerce, it was kind of like, the same idea. However, instead of ideas and strategy and like execution, it was like I was the sales guy and he was like the ops guy and all of our prior businesses, but we weren't online. We've never, never run ads, never shipped products. But we had sold a business for just enough money to make a down payment on an SBA loan. We had sold a business for $100,000, which was a lot of money. We did not hold any of it aside for taxes. We put all 100 grand down on the $900,000 loan to buy the million dollar first business. That was how we got started. 60 days later, we drained the checking account and maxed out the line of credit and bought another one. And thus begins the compounding. So, Yeah, six years ago. by by two that that, spring and summer, we had always had a vision of back to the old topic, wanting to run many businesses. We wanted to have diversity.Kelcey 00:03:30 I guess that's like, hey, what if you focused? What if you just did one thing? Could it be bigger? And my answer is like, I don't know, probably. But this is the business I want to have. I want to do many things. one of the things financially from a diversification perspective. two, I think it's fun. It's like what I want. So like, yes, this is what I'm doing. I'm sure it's like slightly less optimal than, I don't know. but six years have elapsed and today we've got 80 some employees. Six brands. we're in Akron, Ohio, and heavily vertically integrated. So we do in-house customer service, in-house ...
Jonathan Greene sits down with self-storage investor and operator Joe Downs, CEO of Bellrose Storage Group, which sources, acquires, and manages self-storage facilities across the East and Southeast. With a background in commercial real estate, capital raising, and distressed second mortgages, Joe explains how he pivoted into self-storage after discovering just how mom-and-pop dominated and under-optimized the space really was. Their conversation explores why self-storage is still far from "too late," how technology and remote management have transformed operations, and why small, overlooked facilities under 30,000 square feet can be a goldmine for investors willing to modernize them. Joe also breaks down creative plays like boat and RV storage, industrial outdoor storage, and converting large vacant retail boxes into multi-revenue storage campuses. Listeners will come away with a grounded understanding of why self-storage is such a powerful niche, what to look for in a mom-and-pop facility, and how to avoid overpaying by underwriting expenses correctly. Joe and Jonathan also discuss the importance of relationships and "caretaker" mentality with long-time owners, the role of SBA loans, and how to keep shiny object syndrome in check while still recognizing adjacent opportunities. In this episode, you will hear: How Joe went from distressed debt and 1031 capital raising to building a self-storage platform Why self-storage is still largely mom-and-pop owned and what that means for opportunity How technology, remote management, and autopay have transformed facility operations What to look for in a first small storage acquisition and how to approach owners as a "caretaker" The importance of underwriting real expenses (marketing, tech, management) so you don't overpay Creative self-storage derivatives, including boat and RV storage, IOS, and big-box retail conversions Follow and Review If you enjoy the show, please follow Zen and the Art of Real Estate Investing on Apple Podcasts and leave a rating and review. It helps other listeners discover these conversations and supports the show's growth. Supporting Resources Connect with Joe Downs: Website: https://belrosegrp.com/ Facebook: https://www.facebook.com/belrosestoragegroup Twitter: @downsjoe LinkedIn: https://www.linkedin.com/in/joe-downs-7990851/ Connect with Jonathan: Website - www.streamlined.properties YouTube - www.youtube.com/c/JonathanGreeneRE/videos Instagram - www.instagram.com/trustgreene Instagram - www.instagram.com/streamlinedproperties Zillow - www.zillow.com/profile/streamlinenj Bigger Pockets - www.biggerpockets.com/users/jonathangreene Facebook - www.facebook.com/streamlinedproperties Email - info@streamlined.properties This episode was produced by Outlier Audio.
Today's podcast features the second part of a recent webinar produced on September 24, 2025, titled: "A New Era for Banking: What President Trump's Debanking Executive Order and Related State Laws Mean for Financial Institutions, Government, and Banking Customers." In Part 2, we discuss the following topics: 1. What are the areas of uncertainty with respect to the Executive Order, including: · Defining an "unlawful business" or "religion and why those definitions are important. · What regulator or regulators will issue regulations or other guidance? 2. What is the role of the Small Business Administration ("SBA") 3. Intersection with AML/BSA 4. Intersection with state debanking statutes and experience of the states 5. Pending Federal legislation 6. What should financial institutions be doing now to prepare for regulator review? 7. Is the Executive Order good or bad policy? 8. Is there a proven need for the Executive Order? Is there any empirical evidence of need based on complaints submitted to states with debanking statutes, SBA or other federal banking prudential regulators or is it all anecdotal? Our presenters, who hold diverse views on the wisdom of the Executive Order, are: · Jason Mikula Founder and Publisher, Fintech Business Weekly Jason Mikula is an independent fintech and banking advisor, consultant, and investor. He also publishes Fintech Business Weekly, a newsletter analyzing trends in banking and fintech. He opposes the Executive Order. · Brian Knight Senior Counsel, Corporate Engagement, Alliance Defending Freedom Brian Knight serves as Senior Counsel on the Corporate Engagement Team at Alliance Defending Freedom. His work focuses on issues of financial access, debanking, and preventing the politicization of financial services. He opposes the Executive Order. · Todd Phillips Assistant Professor of Law, J. Mack Robinson College of Business, Georgia State University Todd Phillips is an assistant professor of law at Georgia State University. His areas of expertise include bank capital and prudential regulation, deposit insurance, and the laws governing federal regulators. He opposes the Executive Order. · Will Hild Executive Director, Consumers' Research Will Hild is the Executive Director of Consumers' Research, the nation's oldest consumer protection organization. He has led efforts to combat ESG and what he considers "woke capitalism," including launching the Consumers First campaign. He supports the Executive Order. · Graham Steele Assistant Secretary for Financial Institutions, U.S. Department of the Treasury Graham Steele serves as the Assistant Secretary for Financial Institutions at the U.S. Department of the Treasury. He is an expert on financial regulation and financial institutions, with over a decade of experience working at the highest levels of law and policy in Washington, D.C. He opposes the Executive Order. Alan Kaplinsky, the founder and first practice group leader and now Senior Counsel of the Consumer Financial Services Group at our firm, moderated the webinar. We released Part 1of this webinar on October 30, 2025
AmiSights: Financing the Future For Small Business Owners and Entrepreneurs
We're kicking off a new series on the AmiSights Podcast — The Rundown, where we break down the stories making waves in small business, SBA lending, and entrepreneurship. When big news breaks, The Rundown delivers.In these special episodes, Ami Kassar and Lynn Ozer share timely insights on what's happening in the world of small business lending—and why it matters to you.In this first installment, Ami Kassar and Lynn Ozer share real-time insights from the NAGGL Annual Conference — set against the backdrop of a government shutdown that's sending ripple effects across the lending industry.What happens when Washington stops? For many small businesses, it means stalled approvals, frozen funding, and uncertainty about the future. Ami and Lynn discuss how shutdowns disrupt SBA operations, what lenders are experiencing on the ground, and why collaboration within the industry matters more than ever during uncertain times.“We live as part of an ecosystem that runs on the SBA,” says Ami Kassar. “It's a reminder of the far-reaching implications of this program — and how we all make our living by supporting and helping borrowers through it.”The main topics of today's episode include:Government shutdowns create ripple effects throughout the lending ecosystem.SBA lenders face stalled deals and client uncertainty during shutdown periods.Conferences like NAGGL play a vital role in maintaining connection and clarity amid disruption.Staying informed — and united — helps the industry adapt when Washington goes quiet.Recorded on 11/3/2025
Both buyer Jared Lenner and seller Dave Serwitz share their perspectives on the acquisition of a 20-year-old business.Register for the webinars: Investor-Backed Search and SBA: Buy Bigger, Keep Control - TOMORROW! - https://bit.ly/4qABMgnOvercoming Risks from a Lender's Perspective - Thu Nov 6th - https://bit.ly/4qDoJdVTopics in Jared & Dave's interview:Jared buying Dave's tutoring businessDave's motivation to sellChoosing to work with Search Fund AcceleratorTheir agreement to “assume positive intent”Why Dave didn't sell to private equityHow the in-person business survived CovidBookkeeper quit right after transition“Other people's money is scarier than a PG”Competing with AI in the futureHow it feels to sell your companyReferences and how to contact Jared & Dave:Dave Serwitz LinkedInJared Lenner LinkedInGrade Potential TutoringMarc Anderegg on Acquiring Minds: So Much Fun: The Buyer of Choice in a Fragmented IndustryGet 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 MindsDownload 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 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
What does it take to finance a business transition or acquisition? In this episode, Laurie Barkman sits down with David Miller, Executive Vice President at Enterprise Bank, to demystify lending for business owners — from SBA loans to insider buyouts. David shares how banks assess deals, why management continuity matters most, and how entrepreneurs can become "bankable" when it's time to grow or exit.
In this episode the hosts dissect a two‑location Virginia car wash business listed at $10.999 M with ~$940K cash flow and debate whether it's a real estate play or a tough operating bet.Business Listing – https://www.empirebusiness.com/business-opportunity/10056/2-car-wash-locations-in-virginia-579956/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.
Yesterday, I did a video as part one on this subject. Here is the link to that video. https://youtu.be/bHAMpMlY_jo?si=28uHN0XrwjR6aqmC This podcast is part two. The subject is that important and warrants more information for you. The US government shutdown is affecting a lot, and banking is in that category. How is the shutdown affecting business acquisition and SBA loans? That is the subject of this week's video and podcast, and I point out the hidden opportunity that exists. To Your Success, Bruce Whipple brucewhipple.com p.s. - Here is the seller finance course I mentioned. Https://go.brucewhipple.com/sellerfinance
The Small Business Administration acted in record time to suspend ATI Government Solutions from federal contracting. SBA made the decision the day after a video emerged from the O'Keefe Media Group, a right wing activist organization, showing that an official from ATI admitted to defrauding the SBA is eight a program for more on the broader implications of the ATI suspension. Federal News Network executive editor Jason Miller joins us now to discuss.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode the hosts dissect a two‑location Virginia car wash business listed at $10.999 M with ~$940K cash flow and debate whether it's a real estate play or a tough operating bet.Business Listing – https://www.empirebusiness.com/business-opportunity/10056/2-car-wash-locations-in-virginia-579956/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.
Shaun Stimpson had worked for two decades before pivoting to buying businesses in a different industry. He's moved fast.Register for the webinar: Tax Issues: Entity and Deal Structuring - TODAY! - http://bit.ly/47CVZuiTopics in Shaun's interview:Staying in corporate was the riskier choiceCalling 1200 businesses during his searchGoing back to school to learn more about acquisitionAcquiring with his partner, Robert WolfRaising $6m from outside investorsLeaning on his professional networkChoosing his investors carefullyAcquiring in his mid-40'sLong-term hold strategyAcquiring 3 businesses in successionReferences and how to contact Shaun:LinkedInMitten FluidpowerFLN-MARFrank Murken ProductsWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet a complimentary IT audit of your target business:Email Nick Akers at nick@inzotechnologies.com, and tell him you're a searcherDownload the New CEO's Guide to Human Resources from Aspen HR:From this page or contact mark@aspenhr.comConnect 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 sit down with Live Oak Bank CEO and founder, Chip Mahan, to discuss the revolutionary ideas that transformed the SBA landscape. Chip Mahan, who started the bank in 2008, disrupted the existing SBA playbook by focusing on nationwide industry vertical lending. Chip details the bank's founding during the 2008 financial crisis , when he was told by the FDIC to liquidate the bank. He reveals the unique philosophy that led to the bank becoming a top SBA lender, including: rejecting the traditional commission-based compensation model to properly align interests , developing a "theory of verticality" by targeting specialized industries like veterinarians and chicken farmers , and using data from the Freedom of Information Act to determine which industries pay back their loans. He argues that a floating rate 7(a) loan is the "best asset that anybody can put on any bank's books." The episode also covers the bank's commitment to technology, the importance of perfecting the "handoff" between the lender, underwriter, closer, and servicer , and the future of banking in the age of Artificial Intelligence. Chip explains how AI will dramatically affect determining SBA loan eligibility and create an "automatic credit memo".
Welcome to The Lending Brief, a brand new show brought to you by the GovNavigators and sponsored by Allocore. The Lending Brief shares stories of innovation, challenge, and impact in federal lending.Our first guest is Doug Criscitello, former CFO at HUD and SBA, and now a fellow at Arnold Ventures. Doug unpacks how the federal government quietly became one of the world's largest lenders, and why the volume of loans has exploded since the 2008 financial crisis and the COVID-era Paycheck Protection Program.He explains how shrinking workforces and rising demand are forcing agencies to modernize through automation, analytics, and AI, not just to process loans faster, but to strengthen risk controls and inform policy decisions in real time. Doug also makes the case for a “Federal Credit Intelligence Hub,” a centralized data platform that could track performance, detect fraud, and guide smarter policy across agencies.Want more from The Lending Brief? Check out The Lending Brief Newsletter
Vincent Vallelong, President of the Sergeant's Benevolent Association, joins Sid live in-studio to discuss his history with the show and his opinions on current political endorsements and public safety in New York City. Vallelong explains why the SBA has not endorsed a candidate in the upcoming mayoral election, stating the decision is based on member consensus and a focus on public safety. He expresses dissatisfaction with the current candidates, particularly criticizing one for dishonesty and ideological issues. The conversation also touches on the impact of bail reform, the importance of remembering September 11, and the future of the NYPD and public safety under different potential administrations. Learn more about your ad choices. Visit megaphone.fm/adchoices
This week, in episode 268, Jay Goltz, Lena McGuire, and Liz Picarazzi discuss a common concern: When does it make sense to buy a building for your business? Under the right circumstances—say, with an SBA loan, a good location, and a little luck—the real estate could end up being worth more than the business itself. But what if the business is just getting started? Or what if the owner is nearing retirement age and may not be around to reap decades of appreciation? Is buying the business still a good idea? Meanwhile, Liz and Lena also compare notes on their ever-evolving tariff challenges. One thing Lena has observed is that some owners in her industry have just had it. They don't want to deal with the uncertainty, and they're just packing it in: “We're going to see who survives all this,” she says, “and I want to be a survivor.” Plus: Liz has her first “aha” moment with an AI tool her team built, one that's already helping convert sales.
Show SummaryOn today's episode, we're featuring a conversation with Army Combat Veteran Jaymes Poling and Modern Warrior LIVE — a powerful blend of personal storytelling and music that explores the emotional weight of war and the journey toward healing.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 GuestJaymes Poling is a former infantry leader in the 82nd Airborne Division who served three years in Afghanistan. After coming home, he turned to writing to make sense of his experience, which led to the creation of Modern Warrior LIVE — a powerful blend of personal storytelling and music that explores the emotional weight of war and the journey toward healing.He's since become a speaker and mental health advocate, working with veterans, first responders, and trauma survivors across the country. Through hundreds of engagements nationwide, Jaymes brings a raw, honest voice to conversations about leadership, community, and post-traumatic growth. Links Mentioned During the EpisodeModern Warrior Live Web SitePsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is the PsychArmor course Supporting Someone with Invisible Wounds. Not all wounds can be seen, and invisible wounds are just as serious as visible ones. This course introduces the four main types of invisible wounds - Posttraumatic Stress Disorder, Traumatic Brain Injury, Substance Use Disorder, and Depression. You can find the resource here: https://learn.psycharmor.org/courses/supporting-someone-with-invisible-wounds 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
The government shutdown is putting loans from the Small Business Administration on hold. SBA estimates that $170 million in loans have been paused each day. That adds up to more than $4.5 billion dollars over the length of the shutdown. SBA paid out more than $45 billion in loans to 85,000 small business in fiscal 2025. That's a record high for the agency. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Vincent Vallelong, President of the Sergeant's Benevolent Association, joins Sid live in-studio to discuss his history with the show and his opinions on current political endorsements and public safety in New York City. Vallelong explains why the SBA has not endorsed a candidate in the upcoming mayoral election, stating the decision is based on member consensus and a focus on public safety. He expresses dissatisfaction with the current candidates, particularly criticizing one for dishonesty and ideological issues. The conversation also touches on the impact of bail reform, the importance of remembering September 11, and the future of the NYPD and public safety under different potential administrations. Learn more about your ad choices. Visit megaphone.fm/adchoices
Kelly Loeffler, the administrator of the SBA, joins the program to talk about a wide range of things. Plus, decades of anti-Christian views being mainstreamed in democrat politics have finally caught up to them.
When COVID hit, EIDL loans provided a lifeline for countless small businesses. But now that those loans are coming due—often after a business has already folded—the looming threat of EIDL collection is causing massive stress. If you're receiving those nagging monthly statements, terrifying letters from the Treasury Department, or simply lying awake wondering what the SBA is going to do next, you need to hear this. In this essential episode, attorney Barry Levine joins us to reveal the SBA's actual (and often surprisingly sluggish) collection pattern, what happens when your business goes defunct, and most importantly, the strategic solutions available to protect your personal assets and finally put an end to the anxiety. Don't panic—get prepared. Love the show? Subscribe, rate, review, and share! http://getfundablepodcast.com
Welcome to Blonde Intelligence, I am your host Ms. Roni and I always seek to give you exquisite cranial repertoire. Hungry families. Shuttered paychecks. Loud opinions. Quiet facts. We take on the empathy gap around public benefits and ask a harder question: what does fairness look like when the pantry is empty and the rent is due? We start by reframing “welfare” to include the benefits many of us already use—tax breaks, SBA loans, VA support, FHA mortgages—so the conversation stops being “us versus them” and becomes “how do we keep households stable?”From there, we unpack SNAP reality on the ground: time limits, work and training rules, recertifications, and the frustrating tradeoffs people make just to qualify. Yes, fraud exists, but policy and administration already chase it; it shouldn't erase the majority who play by the rules. We spotlight the human side of shutdowns and economic shocks—air traffic pros gigging to cover tuition, small business owners taking risky loans, parents staring at a pantry shelf. Freedom from want isn't a luxury; it's a baseline that lets kids learn and adults work.We also turn to the workplace, where empathy shows up as safety, fair schedules, and leadership that values people over output theater. And we make a case for practical resilience: skills and trade credentials that pay, protect, and keep communities running. Education is broader than college; it's any path that delivers real work and dignity.If you're tired of hot takes and want a clearer lens on benefits, voting choices, and everyday ethics, this conversation invites you to test every policy against a simple filter: how would this land on me? Subscribe, share with a friend who cares about solutions, and leave a review with one change you'd make to build a more empathetic city. Follow me @BlondeIntelligence @Rroneice#EmpathyInAction #WelfareReform #FairnessForAll #SNAPReality #EndTheStigma #CommunitySupport #EconomicJustice #FoodSecurityMatters #ResilientWorkforce #EquitableSolutions #HumanSideOfPolicy #EducationForAll #VoicesForChange #SupportLocal #BuildEmpathySupport the show
On today's show we are talking about how to interact with a lender. If you're in the game of real estate, chances are you've borrowed money. Lenders come in all shapes and sizes from the traditional community and regional banks, to the larger agency debt like Fannie Mae or Freddie Mac, to the government sponsored loans from HUD or SBA. There are then numerous private options including debt funds, CMBS loans, preferred equity, CPACE and mezzanine lenders. They all have one thing in common. They will go through an underwriting process that requires you to provide documentation about the borrower, the guarantor if it's a recourse loan and the property. Those requirements will be listed generally on a term sheet, and then perhaps later in the process in a commitment letter, or a closing checklist.On today's show I'm going to share what we believe are best practices, or at least I'm going to share how we manage this process in our development company. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1) iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613) Website: [www.victorjm.com](http://www.victorjm.com) LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce) YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734) Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso) Email: [podcast@victorjm.com](mailto:podcast@victorjm.com) **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com) Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital) Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)
Text us a pool question!In this episode, host Rudy Stankowitz gets into two powerful topics shaping the pool industry right now.First, we take a hard look at the federal government shutdown and how it's creating ripple effects across small service-based businesses — including pool service companies. From stalled SBA loans and federal contract delays to the trickle-down impact on cash flow and customer payments, Rudy explains how this period of economic uncertainty requires adaptability and strong communication.Then, the conversation shifts to something much more uplifting — the 2025 Swimming Pool Industry Mentor of the Year recognition. Rudy celebrates the top ten mentors who have made waves through leadership, innovation, and community support. Together, they discuss mentorship, technology in pool service, pool chemistry innovations, safety, and the challenges of running a modern pool business.Hear from the industry's best — Greg Beard, Laci Davis, Shannon Wilson, Maddy Vandiver, Que Hales, Tim Bolden, John Poma, Rich Gallo, Ron Deloux, and Kevin Post — as they share hard-earned wisdom and inspiring stories from the deep end.
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In this episode, Gresh shares the evolution of his franchise‑building process, noting that it took roughly a year to clarify his target market and strategy. Initially, he aimed at individuals who had been laid off, but he soon realized the more lucrative audience comprises employed professionals who are silently considering additional revenue streams. He explains the financing paradox: without a steady job, securing SBA loans is tough, yet a layoff eliminates the income needed to fund a new business. Consequently, he refines his outreach to those on the brink of layoffs or actively seeking semi‑passive franchise opportunities that can coexist with a full‑time job or another venture. After a brief dip in momentum over the past three months, he recommits to a new pivot, emphasizing daily progress, continual prospecting, and creativity in securing funding. Blue Star Franchise: bluestarfranchise.com Browse the Franchise Inventory: bluestarfranchise.com/franchise Is franchising right for you? Check this out to see: bluestarfranchise.com/assessment Franchise CEO (A CBNation Site - coming soon) - franchiseceo.co Check out our CEO Hack Buzz Newsletter–our premium newsletter with hacks and nuggets to level up your organization. Sign up HERE. I AM CEO Handbook Volume 3 is HERE and it's FREE. Get your copy here: cbnation.co/iamceo3. Get the 100+ things that you can learn from 1600 business podcasts we recorded. Hear Gresh's story, learn the 16 business pillars from the podcast, find out about CBNation Architects and why you might be one and so much more. Did we mention it was FREE? Download it today!
Get MORE JackQuisitions HEREShould you stay sector-agnostic in ETA (entrepreneurship through acquisition) or plant a flag with a clear buy box brokers, CPAs, and attorneys can remember? After a month sidelined by a home flood, searcher Chris Barr returns to his acquisition entrepreneurship journey—refining a small-business acquisition thesis around B2B services, GovCon janitorial contracts, and Florida/Palm Beach deal sourcing. We dig into search fund tactics, on-market and off-market pipelines, broker outreach, list scraping, AI-assisted follow-ups, and how to position for SBA 7(a) financing, LOIs, diligence, and close.From tier-1 vs. tier-2/3 service models to residential vs. commercial focus, Jack and Chris get tactical about building a repeatable deal flow engine in a tight geo, crafting a memorable buy box (ticket size, customer type, contract length), and using light automation without sounding like spam. If you're refining your acquisition criteria—B2B/government contracting, janitorial cleaning services, niche add-ons (e.g., AeroSeal), high-margin home services, or local trades—this episode hits playbooks for valuation, negotiation, seasonality, staffing, and lender selection so you can source better deals, faster.
Darryl Pahl is the co-founder of DFnet, a Seattle-based company providing clinical trial data management software and services. Along with his wife and co-founder, Lisa Andrzejczyk, Darryl started the company more than 20 years ago after careers at Fred Hutchinson Cancer Research Center. They built DFnet around long-term client relationships in global health and clinical research. The company runs DFdiscover, an enterprise-grade electronic data capture and management platform used in clinical studies worldwide. With offices in the U.S., Canada, and South Africa, DFnet has grown to more than 50 employees and is approaching $10M in revenue. Clients range from the U.S. Department of Veterans Affairs to nonprofits like PATH and major universities. Still independent and bootstrapped, DFnet has made key moves to prepare for the future—such as bringing in a growth-focused CEO, diversifying beyond single-client risk, and shifting legacy software to SaaS and services. Darryl shares the lessons from running conservatively under debt, buying rather than building, and building a global company rooted in relationships and practical execution. Key Takeaways Stability First Growth – Carrying a 10-year SBA loan forced conservative growth and taught the discipline of stability over risky expansion. Buying Not Building – Acquiring DataFax brought 35+ new clients overnight and proved that buying legacy software can be smarter than reinventing. Services Plus Software – Unlike pure SaaS, DFnet thrives by combining consulting, hosting, and software in a regulated field. Spouse Founders Structure – Their 51/49 ownership split avoided deadlocks and kept marriage and business aligned. This Interview Is Perfect For SaaS founders balancing growth and control Founders considering succession or sale Bootstrapped entrepreneurs in niche B2B markets Anyone curious about global health data and impact-driven tech Quote from Darryl Pahl, co-founder of DFnet "The best position to be in is to say that in three to five years, we would be crazy to sell this company. It's doing so well. That would be the perfect thing. And what we're not looking for is a giant payout. We have a very modest lifestyle. “But is an asset, it is a business, and there's a business aspect. It would have to be the right type of buyer. It has to be the right fit. It has to be the right person or group that is respectful to our clients, our employees, and us as owners. “So the ideal would be to have the luxury of either not selling or being more selective rather than responding to random emails from some financial buyer or search funder.” Links Darryl Paul on LinkedIn DFnet on LinkedIn DFnet website Podcast Sponsor – Fraction This podcast is sponsored by Fraction. Fraction gives you access to senior US-based engineers and CTOs — without full-time costs or hiring risks. Get 10 to 30 hours per week from vetted and experienced US-based talent. Find your next fractional senior engineer or CTO at fraction.work. You can start with a one-week, risk-free trial to test it out. The Practical Founders Podcast Tune into the Practical Founders Podcast for weekly in-depth interviews with founders who have built valuable software companies without big funding. Subscribe to the Practical Founders Podcast using your favorite podcast app or view on our YouTube channel. Get the weekly Practical Founders newsletter and podcast updates at practicalfounders.com. Practical Founders CEO Peer Groups Be part of a committed and confidential group of practical founders creating valuable software companies without big VC funding. A Practical Founders Peer Group is a committed and confidential group of founders/CEOs who want to help you succeed on your terms. Each Practical Founders Peer Group is personally curated and moderated by Greg Head.
"I think that people forget that. These small businesses, they're the ones that are sponsoring your sports teams, which are helping with school things, and that are doing fundraisers that are giving back to the community all the time." - Rebecca BertoldiWhen COVID-19 hit, we launched a series to spotlight the small businesses that sustain our communities. Five years on, many are still rebuilding. This highlight episode revisits candid conversations with policymakers, advisors, and owners about what truly helped—and what must happen next.Top ProblemsFinancing gaps & collapsing revenue put leases, payroll, and inventory at risk.Technology barriers slowed the pivot to online sales and services.Minimal cash reserves left micro and solo enterprises exposed.Top SolutionsSBA pathways: PPP (including second draw), EIDL working capital, and SBA debt relief that covered principal and interest for existing borrowers.Hands-on technical assistance: devices, training, and coaching to move operations online and reach customers.Community-led purchasing: direct takeout, gift cards, curated boxes, catering, and pop-ups to keep dollars local.Show GuestsJulie Clowes, District Director, Small Business Administration's San Francisco District OfficeTim Russell, Program Director, Renaissance Entrepreneurship CenterSharon Miller, Chief Executive Officer, Renaissance Entrepreneurship CenterPierre Coeurdeuil, Director of Advising & Education, SFMadeAmanda Fried, Chief of Policy and Communications, Treasurer for the City and County of San FranciscoAdam Fowler, founding partner, CVL EconomicsKristin Houk Owner of All Good Pizza, TATO, Café AlmaRebecca Bertoldi, Rebecca Bertoldi MarketingPooja Rajani, Director of Programs, En 2 ActionLaurie Thomas, Executive Director, Golden Gate Restaurant AssociationShannon Walter, Manager, Blue Plate SFJeff Trenam, Owner, Blue Plate SFMichelle Pusateri, Owner, Nana Joes GranolaAndrea Baker, Founder, En 2 ActionShow HostsEric Estrada / Co-Host/ VOCGeorge Koster/Producer/Host Voices of the CommunityWhy listenYou'll hear what it really took to survive: from emergency capital and city tax relief to e-commerce pivots and neighborhood solidarity. Owners share the stress, the ingenuity, and the lessons they want every community to remember.Take action After you listen, do one thing to strengthen your local economy:• Order direct from neighborhood restaurants and makers (skip third-party delivery when you can).• Buy gift cards or curated boxes, book local catering for meetings and events.• Donate or volunteer with the support organizations featured in this episode.• Share this episode with a friend who loves small businesses as much as you do.
Day 22 of the 2025 government shutdown grips the nation in chaos, with over 750,000 federal workers furloughed, SNAP benefits at risk, and military families turning to food pantries amid bipartisan blame. As Republicans demand spending cuts, Democrats face explosive infighting—voter registration hemorrhages, generational clashes erupt, and DNC leadership battles challenge aging incumbents in a party adrift. James O'Keefe's bombshell exposé unmasks a $100 billion SBA 8(a) fraud at ATI Government Solutions, now suspended after admitting pass-through scams that outsourced 80% of no-bid contracts, violating federal law. Meanwhile, aggressive ICE raids in NYC's Chinatown and Chicago spark protests, detaining non-criminals and fueling law and order debates as Trump mobilizes National Guard in D.C. Tune in for unfiltered analysis on this political powder keg. Please take a moment to rate and review the show and then share the episode on social media. You can find me on Facebook, X, Instagram, GETTR, TRUTH Social and YouTube by searching for The Alan Sanders Show. And, consider becoming a sponsor of the show by visiting my Patreon page!
Senate committee approves Perry County land use bills; CCEDC applying for grant to improve water access at industrial park; reminder of SBA assistance available following storms, drought in 2024; Morrilton volleyball to play for 3rd place in regional tourney against Clarksville; Sacred Heart sweeps Shirley in basketball; we visit with Morrilton Mayor Allen Lipsmeyer.
If you're a business owner, there's one acronym you need to know: SBA. The Small Business Administration is your gateway to funding, growth, and opportunity. In this episode, we sit down with our very own Brett Howden, Director of Credit, SBA at Provide, a division of Fifth Third Bank. He's a pro at connecting entrepreneurs with the right financial products to level up their businesses. We'll cover: How SBA loans stack up against conventional loans The SBA programs that could fuel growth Who qualifies — and what it takes to get approved How to decide if an SBA loan is the right move for your business Are you ready to take control of your future and start building your legacy? Visit getprovide.com. Provide is a division of Fifth Third Bank, National Association. All opinions expressed by the participant are solely their current opinions and do not reflect the opinions of Provide, its affiliates, or Fifth Third Bank. The participant's opinions are based on information they consider reliable, but neither Provide, its affiliates nor Fifth Third Bank warrant its completeness or accuracy and should not be relied upon as such. This content is for informational purposes and does not constitute the rendering of legal, accounting, tax, or investment advice, or other professional services by Provide or any of its affiliates. Please consult with appropriate professionals related to your individual circumstances. All lending is subject to review and approval.
Here's a statistic that will shock you: According to SBA data, there are 34.7 million small businesses in the United States. Yet only 78,677 companies—just 0.23%—won federal contracts in FY24. That's less than a quarter of one percent competing for $774 billion in annual contract opportunities.Why is this number so low? It's not because the opportunity is small. It's because most businesses don't understand how the system actually works.In this episode, I'm breaking down the three rules of SAM that nobody talks about—the realities that separate the 0.23% who win from the 99.77% who struggle.Rule #1: Don't Use SAM (Yet)Before you even register on the System for Award Management, you need to validate that the government actually buys what you sell. I'll show you how to use USAspending to research federal buying patterns and save yourself months of wasted effort.I'll also address a critical warning: the "middleman" or "broker" model being promoted on social media. Federal Acquisition Regulation 52.219-14 requires small business prime contractors to perform at least 50% of services work themselves. Without past performance and in-house capabilities, this model fails—both legally and practically.Rule #2: Know Who Buys What You Sell—And HowIt's not enough to know that agencies buy what you sell. You need to understand which offices, what procurement methods they use (GSA Schedules, GWACs, IDIQs), and what barriers to entry exist. Some contract vehicles take years to access.Rule #3: Always Start with Sources SoughtHere's what most people miss: there's an entire phase of contracting that happens before the solicitation is ever published. It's called the market research phase, and this is where contracts are actually won.When agencies post Sources Sought notices or Requests for Information, they're inviting you to shape requirements, demonstrate capabilities, and build relationships. The companies that win consistently are the ones who engage 6-8 months before the RFP drops—attending meetings, providing demonstrations, and establishing trust with program offices.Writing "cold" proposals to solicitations you found online? That's starting at the end. Your competitors started at the beginning.I'll explain why the system isn't rigged—it's just that most people don't know about the pre-solicitation engagement phase where the real work happens.Industry experience suggests it takes 12-24 months to win your first federal contract, and the SBA reports that some businesses spend $80,000 to $130,000 in the process. This is a long-term strategy, not a quick win. But for businesses with proven capabilities and the patience to build properly, federal contracting provides stable, recurring revenue at scale.Ready to Learn More?If you want to learn how to use government contracting to win contracts, start a consulting business, or launch a career as an account executive, visit govclose.com. We offer comprehensive training and implementation programs to help you navigate the federal marketplace successfully.Rick Howard is a former Air Force acquisition officer who managed over $82 billion in defense contracts. He founded GovClose in 2019 to help companies and consultants succeed in the federal marketplace.
Show SummaryOn today's episode, we're featuring a conversation with Dr Ed Tick, internationally recognized educator, author and expert on the military, veterans, PTSD, Viet Nam, and the psychology, spirituality and history of global trauma, warrior traditions, and military-related issues. 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 GuestEdward Tick, PhD is a nonfiction writer and poet. He is a transformational healer, holistic psychotherapist, educator, consultant and international journey guide. Dr. Tick has been working to heal the invisible wounds of war and violent trauma for over forty years. He is honored for his groundbreaking work in the spiritual, holistic, and community-based healing of veterans and other survivors of severe violence who suffer Post-Traumatic Stress Disorder (PTSD) and moral injury. He has published breakthrough books in this field, including the award-winning War and the Soul. His work introduced the ancient concept of soul wounding and how to heal it to our modern military, veteran and trauma studies worlds. Dr. Tick is an internationally recognized educator, author and expert on the military, veterans, PTSD, Viet Nam, and the psychology, spirituality and history of global trauma, warrior traditions, and military-related issues. For four decades he has conducted trainings, retreats and workshops across the country and overseas. He has trained staff, taught and worked with wounded warriors at major Department of Defense and Veteran Administration facilities and at colleges, universities, hospitals, health care and community centers across the country and overseas. Defense Dept. and VA facilities use his pioneering work and he has served as the US military's subject matter expert trainer on PTSD and Moral Injury for the past decade. Ed cofounded the nonprofit Soldier's Heart, Inc. with his partner Kate Dahlstedt and for 13 years served as its director from their national offices in Troy, New York. He now consults internationally on these issues. Links Mentioned During the EpisodeDr. Tick's Web SiteBooks by Dr. Tick Close Encounters in War Journal Healing a Soldier's Heart on PBSPsychArmor Resource of the WeekThis week's PsychArmor Resource of the Week is a previous podcast episode on the topic of Moral Injury, episode 188 with Dr. Shira Maguen. In this episode, we discuss the diagnosis and treatment of Moral Injury as well as how the clinical community have come to understand the concept. You can find the resource here: https://psycharmor.org/podcast/dr-shira-maguen 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
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/
Originally uploaded October 3, reloaded October 20th. Jeffrey Mosher welcomes Laketa L. Henderson, SBA Michigan District Director, Detroit, MI. In October, we will celebrate Manufacturing Month. Earlier this year, SBA launched the Made in American Manufacturing Initiative. Tell me about some of the SBA initiatives announced *this month* to support small manufacturers – which make up 98 percent of all manufacturers? SBA Launches First-Ever Loan Program Dedicated to American Manufacturers | U.S. Small Business Administration SBA Waives Loan Fees for Small Manufacturers in Fiscal Year 2026 | U.S. Small Business Administration Currently, SBA is accepting nominations for National Small Business Week 2026 awards. This is an annual celebration held in May, but the deadline for the awards in December. Tell me about the different National & State-level awards that are up for grabs and what is the process/criteria to get nominated? Register Now for SBA's “How to Submit a Winning Packet” webinar about award nomination process on Oct. 8, 2025. You have a whole team of SBA staff in Michigan, who are available to help small businesses. Tell me about your team and how a small business owners can contact SBA in Michigan? For more information, visit the Michigan District Office: https://www.sba.gov/district/michigan » Visit MBN website: www.michiganbusinessnetwork.com/ » Subscribe to MBN's YouTube: www.youtube.com/@MichiganbusinessnetworkMBN » Like MBN: www.facebook.com/mibiznetwork » Follow MBN: twitter.com/MIBizNetwork/ » MBN Instagram: www.instagram.com/mibiznetwork/
Acquiring Minds ✓ Claim : Read the notes at at podcastnotes.org. Don't forget to subscribe for free to our newsletter, the top 10 ideas of the week, every Monday --------- 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
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.
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
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.
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.
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