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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Nov 21
6 min read

The 3 Biggest Mistakes Business Owners Make When Financing Owner-Occupied Real Estate (and How to Avoid Them)

Financing owner-occupied commercial real estate is one of the most powerful ways for business owners to build long-term wealth — but three common mistakes often derail the process: going straight to their everyday bank, relying on a broker’s inexperienced “friend,” and letting the CDC choose the first-trust-deed lender in an SBA 504 deal. These missteps can lead to delays, higher costs, weak terms, and even failed transactions. This article explains why these issues occur and shows how working with a specialized lending advisor who understands SBA 504, SBA 7(a), and conventional structures can save time, protect the deal, and ensure owners secure the right financing on the right terms.

Oct 21
6 min read

Securing the Lowest Rate & Best Terms on Owner-Occupied Commercial Real Estate

Buying real estate for your business? The right loan structure can save you thousands. Learn how to secure the lowest rate, avoid costly penalties, and negotiate smarter—with a broker who knows how banks think.

Oct 1
12 min read

How to Leverage SBA Podcasts and Videos for Business Growth Strategies

Utilizing SBA podcasts and videos can significantly enhance your understanding of funding options and effective business strategies.

Sep 30
10 min read

How to Apply for SBA 7a Loan: A Step-by-Step Guide

The SBA 7(a) loan program is designed to provide financial assistance to small businesses in diverse scenarios.

Sep 29
12 min read

How SBA Loans Help Minority Business Owners Achieve Success

SBA loans play a crucial role in enabling minority-owned businesses to overcome barriers and achieve sustainable growth.

Sep 28
10 min read

Do SBA Loans Require Personal Collateral? Understanding Loan Requirements and Risks

When applying for SBA loans, understanding the necessity of personal collateral is crucial.

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