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1.5K to 9K🎙 Daily cadence·112 episodes·Last published 4d ago - Monthly Reach
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On the show
Recent episodes
The "No-Skin" Searcher Trap & a $1M Prize Pool? | May 26, 2026 | SBA Today
May 28, 2026
Unknown duration
Banished Lenders, a $10M Cap Raising & more! | May 19, 2025 | SBA Today
May 20, 2026
Unknown duration
Bank Failure, EIDL Traps, & SOP Rumors | May 13, 2026 | SBA Today
May 14, 2026
Unknown duration
Happy Small Business Week + a $22 Billion Referral | May 5, 2026 | SBA Today
May 6, 2026
Unknown duration
Unpacking the NEW ITL Rules for Trucking with Joe Raycraft (SBA) | April 28, 2026 | SBA Today
Apr 29, 2026
Unknown duration
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| Date | Episode | Description | Length | ||||||
|---|---|---|---|---|---|---|---|---|---|
| 5/28/26 | ![]() The "No-Skin" Searcher Trap & a $1M Prize Pool? | May 26, 2026 | SBA Today | This week on SBA Today, Paul is back for this jam-packed episode! He and Tonya breakdown: 🛑 The No-Skin Searcher Trap: Why credit teams are souring on search fund deals where the "CEO" brings zero direct industry experience and 100% investor-backed down payments. 📊 Demystifying Parris Scores: Why understanding your portfolio's Cumulative Net Yield is like analyzing an insurance drain. 🤖 AI in Underwriting: How smart shops are using custom agents to stress-test the SOP and audit PSAs or leases for compliance red flags. 🏆 The Patriot Pitch Competition: What a newly launched $1 million prize pool means for growth-stage businesses that have already utilized SBA financing. The Bottom Line: SBA credit departments are tightening the screws on low-equity business acquisitions, but the agency is simultaneously rolling out major capital and exposure incentives for growth-stage operators who execute cleanly. 🛠 This episode is sponsored by SBA Collective—empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 5/20/26 | ![]() Banished Lenders, a $10M Cap Raising & more! | May 19, 2025 | SBA Today | This week on SBA Today, Tonya is flying solo to breakdown: ❌ USDA Lenders Banished—household-name lenders over a $620 million delinquency issue. 📈 The $10M Combined Cap—are your capital-intensive borrowers eligible? ⚖️ $3M Fraud Indictment—signaling a sharp escalation from the new National Fraud Enforcement Division. 🏛️ Navigating the OHA— this independent SBA office might be your last line of defense. The Bottom Line: The regulatory floor is shifting fast. While the new $10M decoupling rule unlocks historic capital limits, federal agencies are simultaneously tightening compliance and purging non-compliant participants. 🛠 This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 5/14/26 | ![]() Bank Failure, EIDL Traps, & SOP Rumors | May 13, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are navigating a heavy news cycle… 📉 Another bank failure—Community Bank and Trust of West Georgia. ⚠️ Why your EIDL autopay might stop after 5 years and land you in Treasury referral. 📑 The top screenouts and credit memo errors currently stalling 7(a) loan approvals. 🤫 The truth behind rumors of a $2 Million cap on 7(a) working capital loans. 🔄 A massive SOP overhaul is reportedly under review for the largest changes in SBA history. The Bottom Line: Between shifting funding sources and potential regulatory changes, the lending landscape is moving fast. Don't let an autopay glitch or an expired financial statement derail your portfolio. 🛠This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 5/6/26 | ![]() Happy Small Business Week + a $22 Billion Referral | May 5, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are tackling: 🎖️ Small Business Week---celebrating the job creators with regional awards galas and specialized lender training from the Seattle SBA team. ⚖️ The $22 Billion Referral---the SBA recently referred 562,000 delinquent or "suspected fraud" PPP and EIDL loans to the Treasury. ⚠️ Fraud vs. Filing Errors---discussing the concern that legitimate small businesses may be flagged due to minor discrepancies or filing errors rather than actual intent. 📑 How to Read Tax Returns like an SBA Lender 🛠 This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 4/29/26 | ![]() Unpacking the NEW ITL Rules for Trucking with Joe Raycraft (SBA) | April 28, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are joined by Joseph Raycraft (SBA) to break down the latest updates from the 7(a) Connect Call—specifically the massive expansion of the "Grocery Guarantee" into the logistics sector. The 7(a) Connect Call Highlights: 🛣️ 90% Trucking Guarantee---local and non-local trucking is now eligible for a 90% guarantee, provided the business is food-related and carries the correct NAICS code. 🍎 Food Service Focus---the new ITL Program expansion is laser-focused on food service and supply chain resilience. 🔄 Change of Ownership---the SBA is actively exploring ways to improve the Change of Ownership process while strictly managing portfolio risk. 📞 Connect Call Value---this week's call emphasized that staying updated on these niche eligibility requirements is the only way for lenders to remain competitive. The Bottom Line: The 90% guarantee is a powerful tool for the logistics sector, but as Joe explains, the "food-related" requirement is the gatekeeper. Ensure your NAICS codes align before you commit to the deal. 🛠This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 4/22/26 | ![]() Banker Turned Regulator + Franchise Hurdles |Apr 21, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are talking about: 🆕 New 7(a) Leadership---welcoming Emily Doxzon as the new Chief of 7(a) Loan Origination for the Office of Capital Access. 🍦 Franchise Lending Challenges---how the sunsetting of the SBA Score may make it harder for lenders to justify the time and effort required for startup franchise deals. 📊 Small-Dollar Performance---analyzing lender reports that show while large loans are performing, the real struggle remains in the small-dollar loan space. 📞 7(a) Connect Call---a friendly reminder that the next call is today, Tuesday the 21st, at 3:00 PM Eastern. If you aren't on these calls, you're missing the pulse of the industry. What do you think? Will the removal of the SBA Score genuinely hinder startup franchise growth, or will lenders adapt their underwriting to fill the gap? Let's discuss in the comments! 👇 🛠 This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 4/15/26 | ![]() The SBA's 2027 Budget Bombshell + Default Danger Zones | April 14, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are joined by Brett Caines of Lumos to unpack: 🔓 Decoupling Limits—what a major proposed change would mean for borrowers looking for max funding under both 7(a) and 504. 📉 The $309M Cut—why slashing Entrepreneurial Development programs by 93% leaves a massive question mark on borrower support. ⚠️ Rising Defaults—what the latest Lumos data reveals about the 2019 and 2023 cohorts being the "riskiest of the bunch." The Bottom Line: We are seeing a push for higher loan volume and manufacturing growth, but it's coming at the cost of the support systems that help small businesses succeed. 📺 Catch the full episode for the deep dive! 🛠 This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 4/8/26 | ![]() May 1st CHANGES Every Lender Should Know | SBA Today | April 8, 2025 | This week on SBA Today, Paul and Tonya are breaking down: 📉 BayFirst Data: Analysis shows SBA guaranty purchases exceeded original amounts by $3.5 Million. 🏭 The 90% Guarantee: Starting May 1st, the International Trade Loan (ITL) expands to a 90% guarantee for manufacturers (NAICS 31–33) to modernize and reshore production. 🍎 Grocery Guarantee: That same 90% guarantee now extends to the entire food supply chain—from farming and ranching to grocery retailers—to fight price pressures. 🛠️ Onshoring Tools: Use the new "Make Onshoring Great Again" Portal to connect with over one million domestic suppliers. The Bottom Line: The SBA is supercharging domestic production. If you're lending in manufacturing or ag, the game changes May 1st. Tune in, subscribe, and share this episode to stay ahead of the industrial comeback! 🛠 This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 4/1/26 | ![]() 10 Tips to Crossing the Quarter-End Finish Line | March 31, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are diving into: 🚚 SBA ON THE MOVE: The SBA has officially relocated its Washington Metro Area District Office to Herndon, Virginia. 📝 AUDIT YOUR OWN FILE: Don't let your deal fall apart over missing basics. 🗣️ FRONTLOAD CLARITY: Quarter-end is no time for ambiguity. 📞 ACTIVE OVER PASSIVE: Call your borrowers daily. 🛡️ PROTECT THE CLOSER: Your closer is the "strong arm" that guides the deal home. 🧠 MENTAL PREP: Make sure your borrowers know the stakes. Tune in, subscribe, and share this episode to help your team navigate the quarter-end rapids! 🛠This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 3/25/26 | ![]() THE $32 BILLION ELIGIBILITY FLAG! | March 24, 2026 | If you originated loans between 2023 and 2024, you need to hear this. This week on SBA Today, Paul and Tonya are diving into: 🔍 THE 2026 OVERSIGHT PLAN: What three specific areas—including lenders with rapid increases in loan volume—is the Inspector General zeroing in on this year, and why should SBLCs be particularly worried? 📉 THE KPMG DISCLAIMER: Why did the FY 2025 Independent Audit come with a stunning disclaimer, and what does it signal about the future of SBA audits? 🚩 THE 73,302 LOAN FLAG: Over $32 Billion in loans is now under a cloud. What specific OIG report (26-07) flags 73,302 loans for "limited assurance on eligibility," and did your loans make the list? 🛠️ PLANNED OIG WORK: Keep an eye out for upcoming reviews on Lender Service Providers (LSPs), manufacturing loan portfolios, and IT capital planning. The bottom line: Documentation is your best friend. With 73,000+ loans now flagged for review at the time of purchase, having a solid foundation has never been more critical. Tune in, subscribe, and share this episode to stay ahead of the audit trail! 🛠This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
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| 3/11/26 | ![]() Derailed Deals with Lance Sexton | March 10, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are going off the rails with Lance Sexton to discuss: THE TRAINWRECK REPORT: Lance dives into a legendary cautionary tale that serves as a reality check for every lender and BDO. PLANNING AHEAD: We break down why "knowing what's coming down the line" is the only way to avoid a total trainwreck of your deal. THE LAST MINUTE TRAP: A discussion on why waiting until the eleventh hour is the fastest way to turn a solid application into a disaster. The bottom line: In this market, anything can happen. If you aren't planning for the "wreck," you're already in one. Tune in, subscribe, and share this episode to help your colleagues stay on the tracks! This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 3/4/26 | ![]() The $558 Billion IMPACT + Tightening Credit | March 3, 2026 | SBA Today | This week on SBA Today, Paul and Tonya dive into: 📉 The Credit Squeeze—What recent data from the Small Business Economic Bulletin shows approval rates for businesses under $5M. 🔄 The Opening vs. Closing Inversion—For the first time since 2020, business establishment closings have begun to outpace openings. 📈 Franchising's 2026 Outlook—The industry is projected to grow by 1.5%, with Texas and Florida leading the pack as top states for expansion. ✨ The "Experiential" Shift—Consumer preferences are moving toward "experiential dining" and luxury travel, signaling a shift toward meaning and memories over purely value-driven offerings. This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 2/25/26 | ![]() March 1st Deadline, You're Already Too Late! | Feb. 24, 2026 | SBA Today | This week on SBA Today, we are covering a massive regulatory shift for Green Card holders, a major SBLC merger, and new mandatory requirements for small loans that lenders cannot ignore. Paul and Tonya discuss: 🤝 SBLC MERGER ALERT: Harvest Small Business Finance, one of the 16 SBLCs, is merging with Crossroads Impact (a CDFI) . We'll be watching closely to see how this affects their lending footprint. 📋 NEW SMALL LOAN RULES: A new Procedures Notice is out with strict reminders for loans under $350,000 : 2 Months of Bank Statements: This is now a REQUIRED "must," not a "should" . Lenders are specifically looking for undisclosed debt versus the Debt Schedule . Repayment Ability: Credit history and a minimum 1.10x DSCR remain the standard for repayment ability. SBA Express: Note that there are no changes to current SBA Express rules. 🛂 THE LPR FINAL COUNTDOWN: If you haven't submitted your LPR applications, you are likely too late . With a 10-day turnaround and thousands in the queue, the March 1st window is closing . 🛠️ SERVICING AFTER MARCH 1ST: What happens to existing LPR loans? Standard actions like deferments are fine, but ownership changes or loan increases will trigger new citizenship requirements . 📈 MARKET PULSE: The Q3 2025 IBBA data shows 2026 is a year of disciplined dealmaking, with multiples hitting up to 4.1x for larger deals . Tune in, subscribe, and share this episode to help your colleagues stay ahead of the latest SBLC shifts and small loan mandates! This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 2/18/26 | ![]() New Base Rates & Lending Rebound | Feb. 17, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are joined by David Parrish, a 20-year SBA veteran and secondary market expert, for a deep dive into the massive regulatory and structural shifts hitting the industry in early 2026. From the strategic move to allow SOFR and Treasury base rates to the candid "insider" truth behind the agency's 53% headcount reduction, this episode is packed with the data and wisdom you need to navigate the current market. We're breaking down: The New Rate Revolution: Beginning March 1, 2026, the SBA is unlocking SOFR, 5-year, and 10-year Treasury base rates for variable 7(a) loans. David explains the "math in the sauce" behind secondary market pooling and how these rates provide a critical buffer against future market corrections. The 53% SBA Draw-Down: The 2025 Annual Report revealed a staggering loss of headcount. David provides a first-hand account of the "deferred resignation" and "early retirement" waves and what the loss of tenured wisdom means for the speed of SBA processing. The Green Card Bombshell: A major procedural change now prohibits Lawful Permanent Residents (LPRs) from SBA loan eligibility starting March 1st. We discuss the potentially "devastating" impact on major markets like Florida, Texas, and California. FY26 Volume Check: Despite a five-week shutdown at the end of 2025, YTD 7(a) volume has already hit $10.2B. We analyze whether manufacturing initiatives like the MARC program can offset the loss of volume from newly ineligible borrowers. Chapters: [00:00:00] Intro [00:03:31] The Rate Shift: SOFR, 5-Year, and 10-Year Treasury Options [00:09:48] Secondary Market Liquidity: Pooling the New Base Rates [00:13:08] The Exodus: Inside the 53% Headcount Reduction [00:23:32] YTD Volume: $10.2B and the Rebound from the Shutdown [00:25:55] The Citizenship Mandate: Impact on LPR Borrowers [00:31:05] Market Hotspots: The Florida and California Squeeze [00:43:57] Closing: Resiliency in the Small Business Ecosystem This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. ⚠️ | — | ||||||
| 2/3/26 | ![]() 100% Citizen Ownership + Shutdown Déjà Vu | Feb. 3, 2026 | SBA Today | This week on SBA Today, Paul and Tonya tackle: 🛂 New Citizenship Mandate—what it means for Lawful Permanent Residents (green card holders). 🏛️ Shutdown Status—the Senate passed the stopgap bill, and it's now in the House for a final vote. ⏳ The Shutdown Squeeze—a short shutdown creates a massive backlog that hits closings first. 🏗️ Permitting is a Problem—Period. 💡 The Execution Gap—Capital alone doesn't fix things. This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer. | — | ||||||
| 1/28/26 | ![]() SOP Updates + SBA's 2025 Annual Review | Jan. 27, 2026 | SBA Today | This week on SBA Today, Paul and Tonya are breaking down: 📑 The 1919 Exit: The SBA is moving toward a fully electronic submission experience, eventually eliminating the physical Form 1919 altogether. 🔍 SOP Updates: SBA is now requiring two months of commercial bank statements for 7(a) Small loans to verify real cash flow. ✅ Agency Slim-Down: In 2025, the SBA reduced its workforce by 54%, closed 19 underutilized offices, and cut agency credit card spending by over half. 🪪 Fraud & Security: SBA is now cross-checking loan applicants with DHS and Treasury databases to hunt down billions in stolen funds. ⏸SBLC Moratorium: The Community Advantage SBLC expansion is on hold after defaults doubled the standard portfolio. 💡 Mark your calendars: The 7(a) Underwriting Call is set for February 11th. This is a must-attend for lenders looking to stay compliant with the new cash-flow focus. 🎧 Catch the full episode for the deep dive into the 2025 Annual Report and what's next for SBA technology. This episode is sponsored by SBA Collective—empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 1/21/26 | ![]() New SBSS Guidelines Revealed + The Data Gap | Jan. 20, 2026 | SBA Today | The SBA just released the Procedural Notice on the new SBSS score guidelines, and the subtext is clear. This week, Paul and Tonya are breaking down: SBSS Sunsetting—Lenders must pivot to internal credit scoring models consistent with their non-SBA guaranteed loans. The "Hidden" Message: Paul explains that the SBA now wants a full analysis on every loan. Shutdown Déjà Vu: With appropriation talks stalling, a government shutdown is looming. Approvals vs. Disbursements: We welcome "Data Nerd" Nick Repertorio to discuss why SBA 7(a) lending isn't evenly distributed and why approval numbers don't always tell the full story of money out the door. 💡 Lender Tip: If your institution has been relying solely on consumer credit scores or the SBSS "Score and Go" method, you have until March to adopt a more robust internal analysis. 🎧 Catch the full episode for a deep dive into the data with Nick Repertorio. This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 1/14/26 | ![]() The Biggest SBA Underwriting Change of 2026 is Here | Jan. 13, 2026 | SBA Today | The SBA just dropped a massive update for 2026 that will completely change how small-dollar loans are underwritten. Paul and Tonya break down: SBSS Sunset: The Small Business Scoring Service (SBSS) will be discontinued on February 28, 2026, for 7(a) Small loans at or below $350,000. Lender Freedom: Lenders can now use their own existing scoring models to streamline small-dollar lending. New Inspector General: William "Bill" Kirk has been sworn in as Inspector General, bringing over 30 years of experience to target fraud and restore agency integrity. Red Tape Hotline: The SBA's new "Deregulation Strike Force" wants to hear from you at 1-800-827-5722 about which regulations need to go. Market Shift: Pipelines are full, but banks are getting more conservative, putting post-closing liquidity and direct operating experience under a microscope. 💡 Mark your calendars: The next 7(a) Connect call is Tuesday, January 20, 2026, at Noon (ET). Don't forget to use the new fee calculator released on January 6th to avoid MARC program errors! 🎧 Catch the full episode for the latest on why your 2026 pipeline might be getting a lot tighter. This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. ⚠️ | — | ||||||
| 1/7/26 | ![]() Minnesota Fraud Crackdown, Franchise Extensions, and the Default Gap | Jan. 6, 2026 | Happy New Year! We are kicking off 2026 with a massive episode of SBA Today. From a federal fraud "freeze" impacting thousands of loans to new data on loan performance, we are diving deep into the news you need to start your year strong. We're breaking down: ❄️ The Minnesota Freeze—Administrator Kelly Loeffler announced that nearly 7,000 SBA loans in Minnesota are being blocked due to a $400 million COVID-era fraud scandal. 📉 Sold vs. Retained Loans 📅 Franchise Deadline Extension 🛠️ The Power of the Support Network—Paul shares why trying to "save money" by doing it yourself can be a disaster. 🏆 2026 SBA Lender Professional Awards—Nominations are now OPEN for the Coleman Report's prestigious annual awards. Tune in, subscribe, and share this episode to stay ahead of the curve as we navigate the first big updates of 2026! | — | ||||||
| 12/17/25 | ![]() The Satisfaction Slump: Why Small Business Lending is Falling Short | December 16, 2025 | SBA Today | This week on SBA Today, Paul and Tonya explore the "SBA Dark Web" for a look at the Federal Register before diving into shocking new data on lender satisfaction . From shifting form requirements to a massive satisfaction crash for online lenders, we're looking at what small businesses really want—and where the industry is missing the mark . We're breaking down: 🔍 SBA Dark Web & Form Gutting: Paul dives into the Federal Register, where the SBA is looking to retire redundant forms like the 912 and potentially revamp the 1919 to reduce paperwork . 🤝 Relationship vs. Speed: New data from Lumos shows a massive gap in borrower priorities . While small banks dominate on relational strength (67%), online lenders hold the edge on operational speed (55%) . 📉 The Satisfaction Crash: Lender satisfaction has declined across the board since 2019 . Small banks dropped from 74% to 62%, but online lenders saw a staggering collapse, plummeting from 38% to just 2% . 🎀 The Finish Line: Tonya shares a heartwarming story from a client's ribbon cutting in Castle Rock, Colorado, attended by SBA Deputy Administrator Bill Briggs, reminding us why we fight through the red tape . 💡 The Closing Cure: We discuss how the closing process can make or break a borrower's experience . Paul explains why cross-training your team (underwriters learning processing and vice versa) is the key to a better customer journey . Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. | — | ||||||
| 11/26/25 | ![]() 📢 SBA Hiring CHAOS & The Essential Working Capital Chart! | November 25, 2025 | It's turkey week, but the news never sleeps! This week on SBA Today, Paul and Tonya breaking down: ☎️ SBA Connect Call Recap: The call covered the MARC Loan and various notices. 📈 Working Capital Chart: The SBA released a "VERY helpful" chart detailing the options for 7(a) Working Capital Product Options, including MARC Revolving, SBA Express, Seasonal CAPLine, and more. 🗓️ New Connect Calls: Save the dates! The SBA released the 2026 schedule for 7(a) and 504 Quarterly Connect calls with an updated focus. 💔 Hiring Miscommunication: This left employees confused and frustrated after having rearranged personal plans. Tune in, subscribe, and share this episode to stay updated on the latest SBA news! ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. ⚠️ | — | ||||||
| 11/19/25 | ![]() WE ARE BACK OPEN! PLUS: Recent SBLC SOLD! | Nov. 18, 2025 | This week on SBA Today, the mood is lighter because the government is BACK OPEN! Paul and Tonya discuss: 🎉The government lights are back on—a Connect Call is scheduled soon, so stay tuned for updates. 💔 MARC Program Update—what's going on? 🏨 SBLC SOLD—why another non-bank entity moving up the rankings should matter to lenders, especially one focused on hotel owners. 📈 BizBuySell Q3 Report Insights—Buyer Urgency & Economic Headwinds! ❌ The 'Investment' Lie—we deliver a reality check Tune in, subscribe, and share this episode to help your colleagues get the latest on the re-opening and the market! ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. ⚠️ | — | ||||||
| 11/12/25 | ![]() $5.1 MILLION LOSS: The Top 20 SBA Lender Autopsy & Why Your Bank is Watching! | 11/11/25 | This week on SBA Today, we dissect the sudden closure and portfolio sale of a Top 20 SBA lender, BayFirst Financial, and their aggressive small-dollar loan program (BOLT). This autopsy holds vital lessons for every lender about risk, pricing, and the current state of credit quality. Why this matters to YOU: 🚨 Industry Shockwave: The abrupt shutdown of a large institution's 7(a) department and a subsequent $5.1 million loss on the portfolio sale signals immediate financial pain from exiting the business. 📉 Macro Warning Signs: The secondary market has been volatile, pricing pressure is down, and credit quality is deteriorating. Your own institution is making internal decisions based on these factors. 💸 The BOLT Program Mistake: BayFirst's aggressive BOLT program focused on smaller 7(a) loans (up to $150,000). The CEO cited stress in older, low-interest rate vintage BOLT loans. You must price for risk! 🔎 Risk Dissection: We examine potential risk multipliers: Higher Risk Loans: Small dollar loans are inherently higher risk due to the nature and financial sophistication of the borrowers. Broker Fees: This bank was known for paying high 2% broker fees , compounding the acquisition cost when defaults rose. Policy: Was the program influenced by the former "Score & Go" process or affected by the collapse of the previous "Do What You Do" collateral standard? ✅ The Takeaway: The market demands a return to disciplined underwriting and a focus on fundamentals. We all want to help small businesses, but we must be prudent to stay in business. | — | ||||||
| 11/5/25 | ![]() Shutdown Survival & Giving People Wings: Power of Connection Post-NAGGL | Nov. 4, 2025 | SBA Today | This week on SBA Today, we are joined by special guest Stephanie Dunn for an upbeat conversation about the true heartbeat of our industry: Connection. But first, Paul gets heated about the ongoing government shutdown. We're breaking down: 😡 INSANE! Paul lets loose, calling the continuing shutdown "Cray Cray, Ridiculous, Wild, Bizarre, Unreasonable, INSANE." Tonya adds that nobody wins this standoff—we all lose. 🤝 The Power of Connection: The overwhelming takeaway from NAGGL was the power of connection. We discuss why connection matters as much as knowledge in this business. 🚀 Giving People Wings: With Stephanie Dunn, we discuss the importance of supportive leadership and how empowering others to grow doesn't create risk, it creates strength. Fear vs. Trust: What happens when teams or banks operate from fear or scarcity instead of connection and trust? We explore the difference between competing and collaborating. Keep the Spirit Alive: We share simple ways to keep the NAGGL spirit of connection going, even when you're back at your desk. Final Farewell: Don't miss THE FINAL EPISODES OF The Art of SBA Lending! This episode is sponsored by: Res/Title Res/Title, your "One Stop Shop for SBA closings". We're your commercial title and closing company that provides you with the tools and technology to give you an instant quote and Al property reports on any deal in the nation. Whether it's for $35,000 or $35 Mil, we handle closings anywhere in the nation with one point of contact. Get started today! www.res-title.com ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. ⚠️ | — | ||||||
| 10/29/25 | ![]() Live from NAGGL—We're Still Shutdown! | Oct. 28, 2025 | This week on SBA Today, Paul and Tonya are live from the NAGGL Fall Conference! We're talking conference takeaways, the ongoing shutdown, and the jaw-dropping new state-by-state analysis of lost lending dollars. 🛑 We're in a holding pattern. We explain why funds won't be available immediately upon re-opening, even for authorized loans. ✅ Good News from the IRS: The IRS is still processing 4506C requests and transcripts. ❌ Bad News on Citizenship: The SBA is NOT processing Citizenship verifications during the shutdown. 💸 The True Cost of Shutdown: The SBA released a State-by-State Analysis of loans not approved due to the shutdown. California is losing the most at 212 loans and $126 Million PER WEEK. Other major impacts: Texas (125/week) , Florida (135/week) , and New York (106/week). The least affected is West Virginia (4 loans/$1.4 million per week). This episode is sponsored by: Res/Title Res/Title, your "One Stop Shop for SBA closings". We're your commercial title and closing company that provides you with the tools and technology to give you an instant quote and Al property reports on any deal in the nation. Whether it's for $35,000 or $35 Mil, we handle closings anywhere in the nation with one point of contact. Get started today! www.res-title.com ⚠️ Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer. ⚠️ | — | ||||||
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