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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!
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Discover the amazing people, stories, and places of Southern California with RUHM Podcast, hosted by Tim Smith. As one of the nation’s top-producing real estate professionals and a leader in luxury homes sales, Tim has had the pleasure of forging relationships with Southern California’s most influential entrepreneurs, philanthropists, celebrities, innovators, authors, and athletes. Join Tim as he takes a dive into the tribulations, triumphs, and reflections of the highly successful, leaving ...
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Speaking Of Wealth with Jason Hartman

Jason Hartman with Dan Millman & Pat Flynn

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Welcome to the "Speaking of Wealth" podcast showcasing profit strategies for speakers, publishers, authors, consultants, and info-marketers. Learn valuable skills to make your business more successful, more passive, more automated, and more scalable. Your host, Jason Hartman interviews top-tier guests, bestselling authors and experts including; Dan Poynter (The Self-Publishing Manual), Harvey Mackay (Swim With The Sharks & Get Your Foot in the Door), Dan Millman (Way of the Peaceful Warrior) ...
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Want to stop renting and own the building your business operates in? In this episode of the My SBA Loan Pro Podcast, Kalen Foster shares how to use the SBA 7(a) loan to buy owner-occupied commercial real estate with as little as 10% down. Learn the key differences between SBA 7(a) and 504 loans, how rent replacement works, and what lenders look for…
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Thinking about buying a business? This episode of the MySBA Loan Pro Podcast features Kalen Foster, a leading expert in SBA business acquisition financing. Discover how SBA 7(a) financing works for acquisition entrepreneurs and self-funded searchers looking to close deals with confidence. Kalen breaks down the SBA loan process, lender expectations,…
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Don Curristan, an executive benefits expert with 27+ years of experience, reveals how business owners and CEOs use deferred compensation, SERPs, and phantom stock to retain key employees. Learn: - The surprising tax advantages of deferred comp plansHow performance-based incentives work without equity -Common mistakes companies make with executive b…
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Employment attorney Sam Sherman reveals critical legal risks California business owners face—from wage/hour compliance to PAGA lawsuits, misclassification, and M&A pitfalls. Learn how to protect your business proactively and avoid costly mistakes. If you liked this content, let's connect on social media: Instagram: https://instagram.com/mysbapro Tw…
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In this episode, Ken Rosenthal shares expert insights on why business owners should consider purchasing their commercial property and the best financing options available, including SBA 7a and 504 loans. Learn how owning your building provides stability, tax benefits, and long-term investment potential. Ken breaks down the differences between conve…
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Thinking about buying a franchise? Already own one but struggling to succeed? In this episode, franchise expert Mark Camras, author of Secrets of Franchise Success, reveals the top strategies top-performing franchisees use to build thriving businesses. Learn how to overcome fear, develop the right mindset, leverage franchisor resources, and create …
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In this episode of the My SBA Loan Pro podcast, Ryan chats with Jim Morrison—one of the best in the business when it comes to employer benefits. We dive into group health insurance and cover everything business owners need to know, from staying compliant to finding the right coverage for their team. Jim drops a ton of practical tips to help you ste…
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Unlock the hidden value in your life insurance policy! In this episode, Phil dives into the world of life settlements—what they are, who qualifies, and when selling your policy could be a smart move. Hear real stories of clients who received far more than their cash surrender value and discover the key signs that it might be time to explore your op…
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In this episode, Tim Malott, a seasoned M&A Advisor and Investment Banker, reflects on his journey from CPA and Bank President to Managing Partner of Shoreline Partners. With over 30 years of experience, Tim shares his approach to problem-solving, the nuances of selling privately held companies, and his commitment to creating an unreasonable value …
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Today, we’re discussing the structure of most business acquisition transactions when using SBA financing. If you’re looking to acquire a business, understanding these financing components is critical. Let’s break it down. SBA Loan Structure Overview Most SBA-financed business acquisitions involve three key components: Bank Financing – 90% The major…
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Host Introduction: In today’s episode, we’ll focus on SBA financing for franchise startups. If you’re thinking about starting your own franchise location, this is the roadmap you need to follow to secure financing and set yourself up for success. Let’s dive into the process. Understanding SBA Financing for Franchises SBA loans are an excellent opti…
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Join Ryan Smith, Principal and Founder of ThinkSBA and Attorney Scott Oliver with Lewis & Kappes as they delve into the intricacies of the SBA loan legal closing process, recent SOP changes, and the crucial role lender legal counsel plays in ensuring lender compliance. Gain valuable insights into Landlord Lien Waiver and Collateral Access Agreement…
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In an interview with Jason Hartman, Keith Butcher, founder of Butcher Joseph, discusses business succession and Employee Stock Ownership Plans (ESOPs). With many business owners approaching retirement, ESOPs offer a tax-efficient way to transition ownership to employees. This model enhances employee retention and loyalty, providing long-term retire…
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Bruce Marks has made a career out of mastering lower middle market business acquisition financing by leveraging the SBA 7(a) loan program coupled with a Pari Passu conventional loan for loan requests that exceed the SBA's $5 Million borrowing limit. In this Episode Bruce pulls back the curtain revealing how to structure a Pari Passu loan for succes…
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Working capital has many meanings and definitions depending on the application of funds. For the purpose of this podcast, I will define working capital as capital provided to a business to fund tangible recurring business expenses or capital expenditures. Working Capital For Growth As an SBA Loan Broker, I often receive inquiries from SMB owners fo…
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Join Ryan Smith, Principal and Founder of ThinkSBA, as he sits down with John Homan, esteemed SBA Loan Workout Specialist. John shares valuable insights into the intricacies of SBA loan defaults, including how to avoid defaulting, how lenders respond to non-payment to mitigation strategies. Discover how to safeguard your assets, negotiate settlemen…
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Ryan Smith, Principal and Founder of ThinkSBA, sits down with Sol Rosenbaum of SR Engineering and Consulting, a seasoned mechanical engineer with over two decades of experience in energy engineering. Discover how Sol's firm assists business owners in navigating the complexities of the SBA 504 Green program through meticulous assessments and enginee…
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Join our Host Ryan Smith, Principal and Founder of ThinkSBA, as he interviews Bethany McClellan, President of Rapid Business Plans. Bethany dives into the world of crafting SBA ready Business Plans and Feasibility Studies removing anxiety from SBA loan applicants. Discover how Bethany's journey from corporate sales to entrepreneurship led to a thri…
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In this episode of the My SBA Loan Pro Podcast Face to Face, Ryan Smith, Principal & founder of ThinkSBA sits down with Fernando Ponce, Business Development Officer at Primary Funding, a non-traditional lending source based in San Diego, California specializing in Purchase Order Financing, Factoring and Asset-Based Lines of Credit. Learn how non-tr…
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In this episode of The My SBA Loan Pro Podcast Face to Face Glenn Arnold with Voit Real Estate reveals transition, succession and exit strategies for privately held, family owned business owners who also own the real estate. Glenn Arnold is a Real Estate Broker who's been representing buyers and sellers of owner occupied real estate for thirty year…
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Welcome to another insightful episode of the My SBA Loan Pro Podcast Face To Face! In this episode Ryan Smith, Principal and Founder of ThinkSBA, engages in an insightful discussion with Bryan Geisbauer, a seasoned Tenant Representative and Commercial Real Estate Broker with Kidder Matthews. Brian leverages his 20 plus years experience, to level th…
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The SMB Law Group has burst onto the scene providing much needed legal advice to the ETA community who are pursuing main street business acquisitions often times funding the acquisition with an SBA 7(a) loan. It's refreshing to collaborate with attorneys who are familiar with SBA financing and are therefore able to help searchers structure their de…
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Welcome to a new episode of the My SBA Loan Pro Podcast Face-to-Face, where we dive deep into the world of buying and selling Owner Occupied Commercial Real Estate! Many business owners face the question whether to buy their office space instead of leasing. This question can cause excitement or anxiety. Either way many business owners put off this …
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In this inaugural episode of the My SBA Loan Pro Podcast: Face to Face, Ryan interviews the King of QoE, Elliott Holland, owner and operator of Guardian Due Diligence.Elliott is an Ivy League graduate, self-funded searcher, and quality of earnings expert. Elliott's primary role in serving the SMB Community is to find the hidden skeletons in busines…
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Jason interviews Johnny Serpilla, former President of Camping World, about his book, "Life is Hard, but I'll be Okay", and his experiences in leadership and business. Johnny emphasizes the importance of approaching life with one heart and mind, the role of gratitude in leadership, and the impact of personal problems on work. Johnny also discusses t…
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Seldom are surprises welcomed when applying for an SBA loan to acquire a business, execute a change of ownership or purchase real estate. In fact, surprises usually mean a change in terms which may affect the loan's outcome or desirability. The official term for this phenomenon is Retrade. The term retrade simply means the practice of renegotiating…
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Join Tim Smith on this episode of RUHM for the inspiring narrative of Jake Winkle, the visionary behind Winkle Custom Homes. From a childhood spent off-the-grid and immersed in the trades to becoming one of Orange County’s most sought-after luxury custom home builders, Jake's story stands as a testament to unwavering dedication and boundless passio…
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All self funded searchers pursuing ETA, listen up. This podcast episode contains a comprehensive overview of the acquisition process including the following topics. After listening to this episode you will be equipped with the tools and information to make better decisions on your journey. Sell Seller Legal Team Landlord Financing Business Transfer…
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Join us on RUHM Podcast as we sit down with special guest, Josh Childress. From his standout days at Stanford to making his mark in the NBA and overseas, Josh embodies dedication and determination like no other. In this captivating episode, Tim and Josh delve into the art of decision-making and staying true to oneself amidst the pressures of succes…
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In this interview, Matt Earle from Reputation.ca discusses the problem of online reputation damage and how it can affect individuals and businesses. When negative or false information appears in Google search results, it can harm a person's reputation. Reputation.ca focuses on deleting harmful content whenever possible, but it's challenging when de…
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The SBA has published updates to the Standard Operating Procedures manual replacing SOP 50 10 6 with SOP 50 10 7. These updates will become effective August 1, 2023. There has been much debate when and how lenders will implement these updates. The short answer is we’ll have to wait and see. For now it’s enough to understand the enormous changes tha…
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Join Tim Smith as he delves into the mind of former ice hockey pro, Scottie Upshall, on the latest episode of RUHM Podcast. Discover what made Scottie stand out among his peers as a young athlete and how he used failure as a catalyst for success. From pushing his limits to constantly taking on new challenges, Scottie shares how he developed the win…
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Brace yourself for an episode of RUHM Podcast that will leave your heart racing. Our host, Tim, is joined by guest, CJ Noecker, survivor of a fatal helicopter crash on Catalina Island. CJ recounts his incredible story, including vivid premonitions he had for weeks leading up to the trip, and the gut feeling that made him walk away from the flight i…
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The details of her life have been heard and revered by millions. Join Tim on this episode of RUHM Podcast, for the gripping story of Lauri Burns, a woman of extraordinary resilience and compassion, who turned her harrowing personal journey into a mission of love, founding The Teen Project to give homeless and at-risk young adults a fighting chance …
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Join Tim on this captivating episode of RUHM Podcast as he talks with an inspiring leader, Autumn Strier - Co-Founder and CEO of Miracles for Kids, a 501(c)(3) non-profit organization with the mission to improve the lives of critically ill children and their families in need. Autumn shares the hardships of her humble upbringing from which her grit,…
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Welcome to another episode of the My SBA Loan Pro Podcast: SBA Loans Industry Update May 1, 2023. In today's episode Ryan will cover the following topics: Lender Appetite Interest Rates Upcoming SBA Rule Changes SBA Behind The Curtain: Everything you need to know about SBA lending that you never knew to ask Remember to subscribe to this podcast to …
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Open the archives of Orange County’s early history in this episode of RUHM Podcast, on which, Tim sits down with guest, Jared Mathis, CEO of the Moulton Company. As descendent of Lewis and Nellie Gail Moulton, who were among the area’s earliest ranchers, Jared shares his family’s untold stories of the Orange County ranching era, and its lasting imp…
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In this episode of RUHM Podcast, Tim sits down with Orange County’s acclaimed custom home builder, Andrew Patterson, Founder and President of Patterson Custom Homes. Known as the gold standard in building, Patterson Custom Home’s process was not developed overnight. Andrew shares the evolution of his 20-year career, recounting his very first home f…
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In this episode of RUHM Podcast, join host Tim Smith and guest, Reed Dickens, Founder and CEO of LA Golf, for proof that with the right mindset and gumption, anyone can achieve their wildest dreams. Reed shares how he, a kid from the bayou with no connections, money, or knowledge of politics, would go on to become one of the youngest on-the-record …
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On this episode of RUHM Podcast, Tim Smith dives in with business Founder & Owner, Thos Carson, to discuss the grassroots beginnings and rise of Bear Flag Fish Company. With a unique exposure to the local surf-mecca entrepreneurial landscape growing up, combined with childhood fishing expeditions that developed an appreciation for locally sourced s…
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In this episode of RUHM Podcast, Tim Smith is joined by Michael Davidson, CEO of Alder - a non-profit with a mission to ignite Generational Leadership through a formative learning and growth journey for its members. Generational Leaders seek understanding and wisdom on consequential issues and cooperate in order to secure a free and just society fo…
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On this episode of RUHM Podcast, Tim and special guest Gary Matthews Jr., former Major League Baseball player-turned real estate investor inspires listeners to greatness. From confidence to accountability, honesty to mindset – they uncover the fundamental guidance needed on a journey towards self-improvement. Hear how surrounding yourself with upli…
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In this episode, your SBA Loan Pro, Ryan Smith covers the following SBA Financing Topics: Access to capital Types of transactions being financed Lender processing times Current 7(a) & 504 loan interest rates Interest rates for prime borrowers Bonus Content - Behind The Curtain of SBA Financing If you liked this content, let's connect on social medi…
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Residential Care Facilities for the Elderly (RCFE’s) have become the housing model of choice for our senior population and their loved ones due to the fact that many require increased accessibility, social connectivity, and medical support services that living at home simply cannot provide. As the name implies, RCFE’s, also called assisted living f…
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Join RUHM Podcast as we explore the remarkable career of Jeff Moorad, a business magnate, attorney, and investor who established himself as one of professional sports’ most influential agents. Jeff later joined forces with Leigh Steinberg, establishing the Steinberg & Moorad firm, which became America’s top NFL client practice and the second larges…
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Chris Stacey is no ordinary cinematographer. When not creating commercials, documentaries, and major motion pictures for the silver screen, you'll find him adding a touch of Hollywood magic to multi-million-dollar homes in Southern California. In this episode of RUHM Podcast, Tim and Chris discuss the creative process behind making viral real estat…
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John Jolliffe, a Licensed Marriage & Family Therapist, joins RUHM Podcast to share the findings from his 96,000 therapeutic consults over a 40-year career. John and Tim discuss the 6 Principles of Growing Relationships, illegitimate human beings, resolving false conclusions, psychopaths, and the disruptive alternative thinking that has guided John’…
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A book is the new business card and a great way to grow your business! Chandler Bolt is an investor, advisor, the CEO of Self-Publishing School & SelfPublishing.com, and the author of 6 bestselling books including his most recent book titled “Published.” Self-Publishing School is an INC 5000 company the last 3 years in a row as one of the 5,000 fas…
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It takes a lifetime to build trust, and a minute to lose it. Jason Hartman welcomes Todd Duncan, author, speaker and the world’s leading authority on trust! People thrive on trust and the bigger the financial decision, the more trust is necessary. How can you create that? Todd also reminds us that nobody gets a paycheck for being busy! Managing you…
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Join Jason today as he welcomes Dr. Peter McCullough, MD. Dr. McCullough has over 50 peer-reviewed papers and is an extremely credible person in the medical field. You can also watch the video NOT on YouTube (having been censored) but on Jason’s other video sites: JasonHartman.com/Rumble JasonHartman.com/Bitchute JasonHartman.com/Odysee After recei…
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