Ryan Smith

Ryan is the Founder of ThinkSBA, a Nationwide SBA 504 and 7a Loan Brokerage serving small business and entrepreneurs purchasing owner occupied real estate, acquiring a business or franchise or buying out a partner.

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Oct 16
1 min read

SBA Loan Approval Process: Internal Review, Board Approval, and Government Shutdown Delays

asey Hopkins explains the internal approval process that SBA loans may undergo before submission to the Small Business Administration and how government shutdowns can delay loan processing. Learn how lender reviews, internal board approvals, and SBA processing timelines can affect business acquisition and commercial real estate financing, and why borrowers should plan ahead to avoid unexpected delays.

Oct 16
1 min read

Seller Notes in Business Acquisitions: Financing Strategies and Risk Mitigation

Jake Parsley explains how seller notes can help finance a business acquisition while mitigating risk for buyers and sellers. Learn how seller financing works, how it can reduce upfront cash requirements, and how seller notes can support deal structuring and improve the chances of a successful business acquisition.

Oct 15
1 min read

SBA Loan Applications: Why Full Financial and Bankruptcy Disclosure Matters

Casey Hopkins explains why full disclosure is essential when applying for an SBA loan. Learn how lenders use background screening tools, including LexisNexis, to verify borrower information and uncover financial history that may not appear on standard credit reports. Discover why transparency about past bankruptcies and other financial events can help borrowers avoid underwriting delays and build lender confidence.

Oct 15
1 min read

Navigating Business Acquisition Negotiations: Legal Risks, Trust, and Market Terms

Jake Parsley shares expert insights into navigating complex business acquisition negotiations, balancing legal considerations, building client trust, and understanding market-driven deal terms. Discover how buyers and sellers can manage negotiation challenges, minimize risks, and structure stronger business acquisition deals.

Oct 14
1 min read

SBA Loan Underwriting: Balancing Tax Strategies and Business Cash Flow

Casey Hopkins explains the challenges business owners face during SBA loan underwriting when tax minimization strategies conflict with demonstrating repayment ability. Learn how business tax returns, reported income, and cash flow affect SBA loan approval and why accurate financial reporting is essential to securing business acquisition or commercial real estate financing.

Oct 14
1 min read

How a Letter of Intent (LOI) Shapes Business Acquisition Negotiations

Jake Parsley explains how a Letter of Intent (LOI) plays a critical role in business acquisition negotiations beyond simply initiating the deal. Learn how an LOI establishes key deal terms, aligns buyer and seller expectations, and lays the groundwork for due diligence and a successful business acquisition.

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