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My SBA Loan Pro Podcast

My SBA Loan Pro Podcast

By: Ryan Smith
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Summary

 Applying for an SBA loan can be stressful , grueling and confusing — does this sound familiar? Don’t worry, SBA Pro and Host of the My SBA Loan Pro podcast Ryan Smith, reveals valuable insights and best practices regarding the SBA loan program and application process. Don’t take another step on your SBA journey until your equipped to make sound and informed decisions at every turn. Start listening today!Ryan Smith Economics Leadership Management & Leadership
Episodes
  • Advanced SBA Structuring: A $9M Pari Passu Case Study | Kalen Foster | Ep. 35 | My SBA Loan Pro

    Advanced SBA Structuring: A $9M Pari Passu Case Study | Kalen Foster | Ep. 35 | My SBA Loan Pro
    May 8 2026

    In this episode, host Ryan Smith is back in the studio with Kalen Foster to break down a complex pari passu transaction that took over two years to get across the finish line. They pull back the curtain on what happens behind the scenes of complex SBA deals and show how expert-level knowledge of the guidelines can turn a highly challenging file into a successful closing.

    This specific deal involved borrowers operating a daycare and a Montessori school who were looking to acquire a new business and real estate while also refinancing existing high-interest debt. Because the transaction exceeded the $5 million SBA aggregate limit, the lending team had to employ advanced structuring to make the numbers work.

    Key Takeaways from this Episode:

    • Structuring Large Transactions: How the team managed an $8 to $9 million deal using a pari passu structure alongside the SBA loan.
    • Navigating SBA SOPs: Why deeply understanding the SBA Standard Operating Procedures (SOP) is critical, and why lenders must meticulously interpret the rules to ensure eligibility.
    • Overcoming Setbacks: How the team navigated changing SBA rules over the two-year timeline, including evolving affiliation rules and guarantee requirements for owners.
    • Creative Problem Solving: How the team utilized different NAICS codes between the daycare and Montessori businesses to separate lending buckets and maximize funding.


    Key Chapters:

    00:00 - Introduction: The Two-Year Pari Passu Deal
    01:31 - Client Background & Deal Needs
    02:34 - Deal Complexity & Borrower Sophistication
    04:44 - Keeping the Deal Alive Through Setbacks
    07:23 - Initial Structuring & Real Estate Hurdles
    10:20 - Utilizing NAICS Codes for Separate $5M Limits
    12:23 - Navigating SBA Ownership & Guarantee Rules
    14:55 - Securing the SBA eTRAN Approval
    17:03 - The Importance of Bank & Banker Expertise
    20:01 - Winning the Deal with Structure & Servicing
    22:36 - Becoming a Student of the SBA SOP
    24:55 - Adapting to Changing SBA Rules Over Time

    More ThinkSBA Resources

    ⁠https://calendly.com/thinksba - Schedule Call
    https://g.page/thinksba - Google Business Page & Reviews
    https://thinksba.com/faq - Frequently Asked Questions
    https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast
    http://youtube.com/@thinksba - YouTube Channel
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    28 mins
  • Zero Down Payment SBA Loan Business Expansion with Kalen Foster | Bonus Episode | My SBA Loan Pro

    Zero Down Payment SBA Loan Business Expansion with Kalen Foster | Bonus Episode | My SBA Loan Pro
    Apr 17 2026

    How do you expand a successful business and buy commercial real estate when the project exceeds the $5 Million SBA loan limit—and you want to do it with 100% financing?

    In this clip, Kalen Foster breaks down a real-world scenario of a Southern California family entertainment business looking to duplicate its success in a new location. We dive deep into the SBA rules that make this possible and how to structure a winning deal.

    🔑 In this video, you'll learn:
    • The 10% Rule: The critical difference between a "Change of Ownership" (which requires a 10% equity injection) and a "Business Expansion" (which can technically be done with 0% down).
    • Exceeding the $5M Limit: How to use a pari-passu loan structure to fund projects that go beyond the standard SBA maximum limit.
    • What Lenders Look For: Why strong historical cash flow, low debt, and proven operational success are the true keys to securing a zero-equity expansion loan.
    • The Vetting Process: How top institutions evaluate high-growth projects to ensure stability and success for both the business and the bank.

    If you are a business owner looking to scale, buy commercial real estate, or understand your complex financing options, this breakdown is for you!

    If you liked this content, let's connect on social media:

    Instagram: https://instagram.com/mysbapro
    Twitter: https://twitter.com/mysbapro
    LinkedIn: https://linkedin.com/in/ryanpatryck

    More ThinkSBA Resources

    ⁠https://calendly.com/thinksba - Schedule Call
    https://g.page/thinksba - Google Business Page & Reviews
    https://thinksba.com/faq - Frequently Asked Questions
    https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast
    http://youtube.com/@thinksba - YouTube Channel
    Show More Show Less
    9 mins
  • Crisis PR & Reputation Management for Small Businesses with Dave Oates | Ep. 33 | My SBA Loan Pro

    Crisis PR & Reputation Management for Small Businesses with Dave Oates | Ep. 33 | My SBA Loan Pro
    Mar 27 2026
    What happens when a disgruntled employee or angry customer attacks your small business online? Protect your company's reputation with expert crisis management strategies from Dave Oates, founder of PR Security Service.In this episode of the My SBA Loan Pro podcast, host Ryan Smith and Dave Oates break down exactly how business owners should handle negative online backlash, viral social media complaints, and internal company crises. Drawing from his 30 years of experience as a US Navy Public Affairs Officer and corporate marketing executive, Dave shares actionable steps to bulletproof your brand.Key Topics Covered:The Real Source of Business Crises: Why over 50% of PR disasters stem from disconnected or wrongfully terminated employees posting on platforms like Yelp, Glassdoor, and TikTok.The 60-Minute Response Rule: Why you must issue a statement combining empathy and clear action within the first hour to maintain public grace.Reputation Monitoring: How to use free tools like Google Alerts to track what people are saying about your management team and brand.Digital Footprint Defense: The importance of building a robust internet presence so negative comments don't dominate your search results or generative AI summaries.Crisis Preparation: Why drafting communication templates for likely scenarios (like network outages or product issues) minimizes financial disruption.Whether you're an everyday Main Street business owner, an exhausted landlord, or an M&A advisor looking to bring maximum value to your clients, this episode is packed with actionable insights to keep more money in your pocket and out of Uncle Sam's.Subscribe to My SBA Loan Pro for more expert interviews on deal structuring, wealth preservation, and business acquisition strategies!Key Chapters: 00:00 - Podcast Introduction 03:00 - Military Background and Finding Public Affairs 07:23 - Transitioning to Tech PR and the Private Sector 12:26 - The Promotional Marketing Era 14:37 - Surviving Industry Shifts and Pivoting to Crisis PR 20:19 - Financing the Pivot and Learning from Bad Leadership 25:16 - Real-World Cases: High-Profile Scandals and COVID-19 31:25 - The Most Common Sources of Business Crises 35:52 - Who Calls for Crisis PR and Initial Strategies 39:48 - Inside the Situation Room: The First 60 Minutes More Subject Matter Experts Playlisthttps://youtube.com/playlist?list=PL1...⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcasthttp://youtube.com/@thinksba - YouTube Channel
    Show More Show Less
    55 mins
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