Ray Owen on Business Banking, Small Business Loans & the Lending Mistakes That Cost You Big

Problems to Profit

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Most people think banks are these mysterious giants with endless cash. But in reality? They’re businesses—just like yours. And no one understands that better than Ray Owen.

Ray grew up working on farms, pulling cotton, and watching his dad manage a cattle feed yard. He wasn’t born into wealth. He built it. Now, as the President of Bank of Texas, he’s taken his bank from an $18 million startup to over $500 million in assets—all while keeping a 0% loan loss rate.

In this episode, Ray breaks down banking like you’ve never heard it. He reveals why your credit score matters less than your character, how to turn your banker into a strategic partner (not a loan shark), and why most entrepreneurs get bank relationships dead wrong.

We also dive into the 5 C’s of credit, why Silicon Valley Bank really collapsed, and how to recession-proof your business’s finances.

“ Banking is all about confidence. If you're depositing money somewhere, you want to be confident that that bank is solid and you're not going to lose your money.” ~ Ray Owen

Connect with Ray Owen:

🌐 Bank of Texas - https://www.bankoftexasonline.com/

👤 Phone: [phone]

📧 Email: [email protected]

Connect with Preston Brown:

🌐 Website - https://theprestonbrown.com/

👤 Facebook - http://facebook.com/theprestonbrown

📷 Instagram - https://www.instagram.com/theprestonbrown/

▶️ YouTube - https://www.youtube.com/c/ThePrestonBrownBusinessCoach