Épisodes

  • How Business Owners Protect Wealth, Avoid Probate & Reduce Estate Taxes

    How Business Owners Protect Wealth, Avoid Probate & Reduce Estate Taxes
    May 29 2026

    Are you a business owner, entrepreneur, or high-net-worth family looking to protect your assets and avoid probate? In this episode of the My SBA Loan Pro Podcast, estate planning attorney Rodney Hatley breaks down everything you need to know about living trusts, irrevocable trusts, asset protection strategies, probate, estate taxes, healthcare directives, and wealth preservation.

    Learn how successful business owners structure their companies and trusts to safeguard wealth, minimize taxes, and create long-term financial security for their families. Rod also shares practical strategies for protecting inherited assets from lawsuits, creditors, and divorce settlements.

    ▶️In This Episode:
    ➡️Living Trust vs Irrevocable Trust explained
    ➡️How to avoid probate court
    ➡️Asset protection strategies for entrepreneurs
    ➡️LLCs, S Corporations & business structuring
    ➡️Estate tax planning for wealthy families
    ➡️Protecting family wealth across generations
    ➡️Healthcare directives & powers of attorney
    ➡️How adult children can help aging parents plan their estate
    ➡️Why funding your trust is critical
    ➡️Trust planning mistakes business owners make

    Whether you're a startup founder, real estate investor, small business owner, or simply planning for your family’s future, this episode delivers valuable estate planning insights every American family should understand.

    Key Chapters:

    00:00 – Intro & Why Estate Planning Matters
    01:08 – Rod Hatley’s Background & Navy JAG Experience
    04:52 – How Probate Works & Why It Can Take Years
    08:12 – Living Trusts Explained for Business Owners
    10:28 – Revocable vs Irrevocable Trusts
    14:35 – How Wealthy Families Use Trusts to Protect Assets
    18:22 – Can You Put Your Home in an Irrevocable Trust?
    23:40 – How Business Owners Protect Their Companies & Wealth
    27:05 – Asset Protection Strategies for Entrepreneurs
    30:15 – Protecting Family Wealth From Lawsuits & Divorce
    34:42 – Estate Planning for Children & Future Generations
    39:18 – Healthcare Directives & Power of Attorney Explained
    45:10 – Why Funding Your Trust Is Critical
    49:20 – LLCs, S Corporations & Avoiding Probate
    53:08 – Best States for Asset Protection (Wyoming & Nevada)
    57:12 – Estate Taxes & High-Net-Worth Planning
    01:01:35 – How to Talk to Aging Parents About Estate Planning
    01:07:02 – Preventing Family Conflict & Inheritance Disputes
    01:11:44 – Final Estate Planning Advice for Families & Business Owners


    More ThinkSBA Resources

    ⁠https://calendly.com/thinksba - Schedule Call
    https://g.page/thinksba - Google Business Page & Reviews
    https://thinksba.com/faq - Frequently Asked Questions
    https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast
    http://youtube.com/@thinksba - YouTube Channel
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    49 min
  • Advanced SBA Structuring: A $9M Pari Passu Case Study | Kalen Foster | Ep. 35 | My SBA Loan Pro

    Advanced SBA Structuring: A $9M Pari Passu Case Study | Kalen Foster | Ep. 35 | My SBA Loan Pro
    May 8 2026

    In this episode, host Ryan Smith is back in the studio with Kalen Foster to break down a complex pari passu transaction that took over two years to get across the finish line. They pull back the curtain on what happens behind the scenes of complex SBA deals and show how expert-level knowledge of the guidelines can turn a highly challenging file into a successful closing.

    This specific deal involved borrowers operating a daycare and a Montessori school who were looking to acquire a new business and real estate while also refinancing existing high-interest debt. Because the transaction exceeded the $5 million SBA aggregate limit, the lending team had to employ advanced structuring to make the numbers work.

    Key Takeaways from this Episode:

    • Structuring Large Transactions: How the team managed an $8 to $9 million deal using a pari passu structure alongside the SBA loan.
    • Navigating SBA SOPs: Why deeply understanding the SBA Standard Operating Procedures (SOP) is critical, and why lenders must meticulously interpret the rules to ensure eligibility.
    • Overcoming Setbacks: How the team navigated changing SBA rules over the two-year timeline, including evolving affiliation rules and guarantee requirements for owners.
    • Creative Problem Solving: How the team utilized different NAICS codes between the daycare and Montessori businesses to separate lending buckets and maximize funding.


    Key Chapters:

    00:00 - Introduction: The Two-Year Pari Passu Deal
    01:31 - Client Background & Deal Needs
    02:34 - Deal Complexity & Borrower Sophistication
    04:44 - Keeping the Deal Alive Through Setbacks
    07:23 - Initial Structuring & Real Estate Hurdles
    10:20 - Utilizing NAICS Codes for Separate $5M Limits
    12:23 - Navigating SBA Ownership & Guarantee Rules
    14:55 - Securing the SBA eTRAN Approval
    17:03 - The Importance of Bank & Banker Expertise
    20:01 - Winning the Deal with Structure & Servicing
    22:36 - Becoming a Student of the SBA SOP
    24:55 - Adapting to Changing SBA Rules Over Time

    More ThinkSBA Resources

    ⁠https://calendly.com/thinksba - Schedule Call
    https://g.page/thinksba - Google Business Page & Reviews
    https://thinksba.com/faq - Frequently Asked Questions
    https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast
    http://youtube.com/@thinksba - YouTube Channel
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    28 min
  • Zero Down Payment SBA Loan Business Expansion with Kalen Foster | Bonus Episode | My SBA Loan Pro

    Zero Down Payment SBA Loan Business Expansion with Kalen Foster | Bonus Episode | My SBA Loan Pro
    Apr 17 2026

    How do you expand a successful business and buy commercial real estate when the project exceeds the $5 Million SBA loan limit—and you want to do it with 100% financing?

    In this clip, Kalen Foster breaks down a real-world scenario of a Southern California family entertainment business looking to duplicate its success in a new location. We dive deep into the SBA rules that make this possible and how to structure a winning deal.

    🔑 In this video, you'll learn:
    • The 10% Rule: The critical difference between a "Change of Ownership" (which requires a 10% equity injection) and a "Business Expansion" (which can technically be done with 0% down).
    • Exceeding the $5M Limit: How to use a pari-passu loan structure to fund projects that go beyond the standard SBA maximum limit.
    • What Lenders Look For: Why strong historical cash flow, low debt, and proven operational success are the true keys to securing a zero-equity expansion loan.
    • The Vetting Process: How top institutions evaluate high-growth projects to ensure stability and success for both the business and the bank.

    If you are a business owner looking to scale, buy commercial real estate, or understand your complex financing options, this breakdown is for you!

    If you liked this content, let's connect on social media:

    Instagram: https://instagram.com/mysbapro
    Twitter: https://twitter.com/mysbapro
    LinkedIn: https://linkedin.com/in/ryanpatryck

    More ThinkSBA Resources

    ⁠https://calendly.com/thinksba - Schedule Call
    https://g.page/thinksba - Google Business Page & Reviews
    https://thinksba.com/faq - Frequently Asked Questions
    https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast
    http://youtube.com/@thinksba - YouTube Channel
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    9 min
  • California State Guarantee Loan Strategies with Juan Carlos | Ep. 34 | My SBA Loan Pro

    California State Guarantee Loan Strategies with Juan Carlos | Ep. 34 | My SBA Loan Pro
    Apr 17 2026

    Unlocking Capital For California Entrepreneurs and Small Business Owners

    In this episode, we sit down with Juan Carlos, President and CEO of California Southern, to explore how the state guarantee program provides alternative financing for small businesses.

    After building a robust lending career in Chicago, Juan Carlos moved to San Diego to help business owners secure capital when conventional or SBA routes hit a wall. We dive deep into how this program bridges the gap for entrepreneurs, offering a lifeline to those who don't fit into the
    SBA's guidelines.

    📌 Key Takeaways from this Episode

    • The Power of the CA Guarantee Program: Learn how this state-funded program acts as a safety net for local lenders, guaranteeing up to 80% of a loan with a maximum exposure cap of $5 million to help business owners get approved.
    • SBA Ineligible? No Problem: Discover how businesses that are typically deemed ineligible by the SBA—such as certain pure real estate investments or specific industries—can successfully utilize this alternative funding route.
    • Highly Flexible Terms: Unlike the SBA's strict, top-down structure, the state guarantee program allows individual lenders the freedom to negotiate and set their own interest rates, terms, and covenants.
    • The "Five-Legged Stool" of Lending: Juan Carlos breaks down the traditional "5 Cs of Credit," explaining how strong performance in one area can mitigate weaknesses in another, such as a shortfall in collateral.
    • Term Out Options: If a borrower's needs change, the program allows for flexible adjustments, including converting a line of credit into a fully amortized term loan of up to five years.
    • Creative Deal Structuring: Hear real-world examples of how lenders can use this program for business acquisitions, real estate purchases, equipment purchases, tenant improvements, and working capital.

    Key Chapters:

    00:00 - Podcast Introduction
    07:41 - Bridging the Gap: SBA Ineligible Businesses
    12:41 - Program Eligibility & Prohibited Industries
    17:36 - Underwriting Guidelines & Flexible Interest Rates
    22:29 - Funding Sources: State Trust vs. Taxpayer Dollars
    25:21 - Loan Limits, Guarantee Maximums, and Terms
    30:00 - Term Out Options & Flexible Renewals
    40:52 - Heavy Users: CDFIs vs. Community Banks
    49:00 - Collateral Requirements & 504 Look-Alikes
    54:31 - Funding Lawful Permanent Residents (LPRs) & Refinancing SBA Loans

    More ThinkSBA Resources

    ⁠https://calendly.com/thinksba - Schedule Call
    https://g.page/thinksba - Google Business Page & Reviews
    https://thinksba.com/faq - Frequently Asked Questions
    https://mysbaloanpro.com⁠ - My SBA Loan Pro Podcast
    http://youtube.com/@thinksba - YouTube Channel
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    1 h et 16 min
  • Crisis PR & Reputation Management for Small Businesses with Dave Oates | Ep. 33 | My SBA Loan Pro

    Crisis PR & Reputation Management for Small Businesses with Dave Oates | Ep. 33 | My SBA Loan Pro
    Mar 27 2026
    What happens when a disgruntled employee or angry customer attacks your small business online? Protect your company's reputation with expert crisis management strategies from Dave Oates, founder of PR Security Service.In this episode of the My SBA Loan Pro podcast, host Ryan Smith and Dave Oates break down exactly how business owners should handle negative online backlash, viral social media complaints, and internal company crises. Drawing from his 30 years of experience as a US Navy Public Affairs Officer and corporate marketing executive, Dave shares actionable steps to bulletproof your brand.Key Topics Covered:The Real Source of Business Crises: Why over 50% of PR disasters stem from disconnected or wrongfully terminated employees posting on platforms like Yelp, Glassdoor, and TikTok.The 60-Minute Response Rule: Why you must issue a statement combining empathy and clear action within the first hour to maintain public grace.Reputation Monitoring: How to use free tools like Google Alerts to track what people are saying about your management team and brand.Digital Footprint Defense: The importance of building a robust internet presence so negative comments don't dominate your search results or generative AI summaries.Crisis Preparation: Why drafting communication templates for likely scenarios (like network outages or product issues) minimizes financial disruption.Whether you're an everyday Main Street business owner, an exhausted landlord, or an M&A advisor looking to bring maximum value to your clients, this episode is packed with actionable insights to keep more money in your pocket and out of Uncle Sam's.Subscribe to My SBA Loan Pro for more expert interviews on deal structuring, wealth preservation, and business acquisition strategies!Key Chapters: 00:00 - Podcast Introduction 03:00 - Military Background and Finding Public Affairs 07:23 - Transitioning to Tech PR and the Private Sector 12:26 - The Promotional Marketing Era 14:37 - Surviving Industry Shifts and Pivoting to Crisis PR 20:19 - Financing the Pivot and Learning from Bad Leadership 25:16 - Real-World Cases: High-Profile Scandals and COVID-19 31:25 - The Most Common Sources of Business Crises 35:52 - Who Calls for Crisis PR and Initial Strategies 39:48 - Inside the Situation Room: The First 60 Minutes More Subject Matter Experts Playlisthttps://youtube.com/playlist?list=PL1...⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcasthttp://youtube.com/@thinksba - YouTube Channel
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    55 min
  • Structured Installment Sales Explained with John Dudek | Ep. 32 | My SBA Loan Pro

    Structured Installment Sales Explained with John Dudek | Ep. 32 | My SBA Loan Pro
    Mar 13 2026
    Are you preparing to sell a highly appreciated business, investment property, or even your primary residence, but dreading the massive tax bill that comes with it?In this episode of the My SBA Loan Pro Podcast, host Ryan Smith sits down with financial strategist John Dudeck to unpack a powerful, underutilized tax-mitigation tool: Structured Installment Sales.Instead of taking a massive tax hit in a single year, John explains how sellers can leverage this strategy to safely defer capital gains, wipe out certain investment taxes, and create a predictable, guaranteed income stream for retirement.Key Takeaways in This Episode:The Double Whammy: Why traditional cash-out exits destroy your hard-earned equity through maximum Federal, State, and Net Investment taxes.Traditional vs. Structured: Learn how structured installment sales completely remove the buyer from the repayment equation, replacing them with a secure, A+ rated insurance annuity.The "Playing Field": A breakdown of the 4 key players needed to execute this strategy safely and legally.The Primary Residence Loophole: Why structured installment sales are a game-changer for homeowners downsizing or moving out of state (especially since 1031 Exchanges don't apply to primary residences!).Timelines & Underwriting: Exactly what to expect, the documents required, and how to successfully prepare your business or property for this type of sale.Whether you're an everyday Main Street business owner, an exhausted landlord, or an M&A advisor looking to bring maximum value to your clients, this episode is packed with actionable insights to keep more money in your pocket and out of Uncle Sam's.Subscribe to My SBA Loan Pro for more expert interviews on deal structuring, wealth preservation, and business acquisition strategies!If you liked this content, let's connect on social media:Instagram: https://instagram.com/mysbaproTwitter: https://twitter.com/mysbaproLinkedIn: https://linkedin.com/in/ryanpatryckKey Chapters:00:00 - Introduction 02:36 - John Dudeck's Background in Settlement Planning 05:47 - Traditional vs. Structured Installment Sales Explained 09:51 - The Playing Field: The 4 Key Players in a Sale 13:25 - How the Structured Annuity Contract Works 16:18 - The Massive Capital Gains Tax Burden of Selling 20:45 - The Role of the Insurance Carrier and Assignment Company 24:14 - What Buyers Need to Know & Do 26:17 - Risks and Flexibility of the Payment Schedule 29:08 - Underwriting, Timeline, and Required Documentation 33:26 - 1031 Exchanges vs. Structured Installment Sales 34:27 - Proving Legitimacy & Overcoming Client Hesitancy 36:46 - Educating Trusted Advisors (CPAs, Brokers, Attorneys) 40:18 - The Primary Residence Loophole & Ideal Use Cases 42:44 - Final Recap & How to Get StartedMore Subject Matter Experts Playlisthttps://youtube.com/playlist?list=PL1...⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcasthttp://youtube.com/@thinksba - YouTube Channel
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    46 min
  • Inside Franchise Ownership: Ops, Relations & Growth | Frank Caperino | Ep. 30 | My SBA Loan Pro

    Inside Franchise Ownership: Ops, Relations & Growth | Frank Caperino | Ep. 30 | My SBA Loan Pro
    Feb 13 2026
    You don’t know what you don’t know—and that is exactly why you listen to podcasts. In this episode of My SBA Loan Pro, host Ryan Smith sits down with Frank Caperino (aka "Franchise Frank") to reveal the industry secrets that only an experienced franchisee would know from decades of real-world experience.From his early days as an engineer to owning multiple Cold Stone Creamery locations, Frank shares the hard truths about what really happens after you sign the franchise agreement. He pulls back the curtain on the hidden dynamics between franchisors and franchisees that you won't find in a brochure.In this episode, you’ll learn:The "Operator Mindset": Why internal systems and "Management By Walking Around" (MBWA) are the lifeblood of a successful franchise.Franchise Red Flags: How to navigate the "dance" between franchisor goals and franchisee profitability.The Reality of "No Money Down": Frank debunks common myths from "gurus" and explains why 10-year IOU deals rarely work in the real world.Scaling with SBA Loans: How Frank used SBA financing to ladder up from one location to a multi-unit empire.Knowing When to Sell: Why seeing the "top" of the market is the most valuable skill an entrepreneur can have.Connect with Franchise Frank: 🌐 FranchiseFrank.com📖 Book: Buying a Franchise: 24 Items to Be Wary of Before SigningIf you liked this content, let's connect on social media:Instagram: https://instagram.com/mysbaproTwitter: https://twitter.com/mysbaproLinkedIn: https://linkedin.com/in/ryanpatryckKey Chapters:00:00 - Introduction 02:54 - Guest Intro: Frank Caperino’s Transition from Engineering to Franchising 09:07 - Operational Excellence: Internal Systems & "Management By Walking Around" 13:32 - Financing Growth: Strategy for SBA Loans & Small Banks 14:22 - Exit Strategy: Recognizing Market Peaks & When to Sell 17:54 - The Franchisee-Franchisor Conflict: Encroachment, FDDs, & Territory Rights 22:16 - Franchise Advisory Councils: Protecting the Brand & Owner Interests 27:32 - Hidden Costs: Understanding Vendor Rebates & Supply Chain Monopolies37:20 - Current Trends: Service Brands vs. Food Concepts 39:03 - Strategic Negotiation: Buying Territories & Opening Timelines40:34 - Closing Remarks & Contacting Franchise FrankMore Subject Matter Experts Playlisthttps://youtube.com/playlist?list=PL1...⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcasthttp://youtube.com/@thinksba - YouTube Channel
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    42 min
  • Buying a Business and Real Estate in the Same Transaction with Ryan Smith | Ep. 31 | My SBA Loan Pro

    Buying a Business and Real Estate in the Same Transaction with Ryan Smith | Ep. 31 | My SBA Loan Pro
    Feb 27 2026
    Are you looking to acquire a business and its underlying real estate? In this video, Ryan is joined by his daughter, Austyn, who takes over the interviewer seat to ask the tough questions about commercial acquisitions. We dive deep into the specific strategies, requirements, and loan mechanics you need to know to successfully close on both a business and its property.We cover everything from post-close liquidity requirements and SBA loan structures (like the 7a and 504 programs) to the crucial clauses you need in your purchase agreement—like the First Right of Refusal. Plus, I share real-world case studies showing how my clients saved up to $120,000 a year by structuring their real estate purchases the right way!In this video, you will learn:The essential cash and liquidity requirements for dual acquisitions.How underwriting timelines and property appraisals affect your closing.The exact pros and cons of buying real estate upfront vs. buying it 2-3 years later.How to structure SBA 7a and 504 loans to get the best interest rates and cash flow.If you found this video helpful, please hit the Like button and Subscribe for more insights on business acquisitions, SBA loans, and real estate financing!If you liked this content, let's connect on social media:Instagram: https://instagram.com/mysbaproTwitter: https://twitter.com/mysbaproLinkedIn: https://linkedin.com/in/ryanpatryck Key Chapters:0:00: Introduction1:55 – Should You Buy the Business and Real Estate Together?2:23 – Cash Requirements & Post-Closing Liquidity Explained4:13 – Timing Challenges: Valuation, Appraisal & Environmental Reports5:12 – Financing Together vs Separately (Pros & Cons)8:00 – Loan Mechanics: 7(a) vs 504 vs Conventional11:10 – Why Most Buyers Purchase the Business First12:02 – First Right of Refusal & Locking in the Price15:37 – Real Case Study: 25-Year Fixed Refinance at 6.2%18:00 – Scaling with SBA 504 After Maxing Out 7(a)More Subject Matter Experts Playlisthttps://youtube.com/playlist?list=PL1...⁠More ThinkSBA Resources⁠https://calendly.com/thinksba - Schedule Callhttps://g.page/thinksba - Google Business Page & Reviewshttps://thinksba.com/faq - Frequently Asked Questionshttps://mysbaloanpro.com⁠ - My SBA Loan Pro Podcasthttp://youtube.com/@thinksba - YouTube Channel
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    20 min