SBA Changes and Alternative Financing with James Colin

James Colin has handled a large volume of SBA loans. His niche is online businesses but they have some fantastic alternative financing options. We also dive into why financing falls apart and how to avoid it.   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta James's LinkedIn: https://www.linkedin.com/in/jtcolin/ Ecommerce Lending: https://www.ecommercelending.com/ Prequalification: https://app.ecommercelending.com/signup

Why do brokers reject most of the businesses they see? AND, what is happening in the economy??   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta

Jorge Viveros shares how he went from e-commerce and agency building into co-founding Acquire Weekly, an advisory firm helping buyers acquire businesses with more speed, creativity, and alignment to their actual skill sets. He walks through real deal examples.... Including a failed HVAC acquisition, a fast off-market apparel deal, and a renegotiated majority-buyout which highlights how smart diligence and flexible deal structure can change outcomes. This episode is a practical look at how searchers can avoid bad fits, negotiate better, and build a buy box around experience, geography, and long-term goals. Podcast Nuggies: Why Jorge believes buyer fit matters more than chasing whatever business looks hottest Real acquisition stories: hidden debt, licensing risk, off-market sourcing, and creative LOI structures Practical advice for searchers using SBA loans, ROBS, or personal capital to buy a business   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta   Guest Name Jorge  Viveros   Guest Email [email protected]   Additional guest information https://www.acquireweekly.com/ https://www.linkedin.com/in/jorge-viveros-67037325b/

ALL SBA UPDATES! AI-Native Application Process with Ray $3M+ requiring QofE's ETA / Investor-backed deals are changing distributions! NAICS Matching is loosened!   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta   Ray's YouTube: https://www.youtube.com/@SBA_Ray Webinar recording. https://events.lendesca.com/ Email: [email protected]  

Most people think they're working really hard, but they're outsourcing to AI the most important question. Use AI as a tool, but don't let it replace your thinking. Most searchers are getting left behind and spinning their wheels and will never close a deal because AI is doing the thinking for them.     Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta.  

Brad is a world-class entrepreneur and business broker and does an incredible amount of deals. We dive into how to separate yourself from other searchers who will never end up buying a business.   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta. Guest Name Brad Wayland   Guest Email [email protected]   Additional guest information bradwayland.com https://www.acquisitiongame.com/

Alright, a question I get often. What is the difference between EBITDA vs SDE? We dive into a few high-level differences to watch out for when evaluating businesses. EBITDA is typically used for larger businesses ($2-3M+ Profit). SDE is typically used for smaller businesses. BUT neither of those is cash flow. A few podcast nuggies: - SDE is not Cash Flow - Loan payments don't show up on the P&L many times - If you take a business with no debt, stack on 80%+ debt, you are fundamentally changing the entire business structure. You are ADDING risk here. You can get into trouble if you only take their costs vs WHAT YOUR costs will be.   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta.

Can you negatively add back an owner's salary because you're going to put an operator in? Yes, but don't expect the owner to pay for that in the valuation. Or to take you seriously if you propose that. Why hire just 1 person? Why not hire 50 people and go into super growth mode while losing $3M/year?   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta.  

Oran Rose shares how he moved from door-to-door pest control sales into life insurance, driven partly by losing his father young and seeing firsthand the impact of inadequate coverage. He later shifted into health insurance, where he helps entrepreneurs and self-employed families understand options beyond expensive COBRA or full-price marketplace plans. The big theme is that business owners often overpay because they do not know how income, subsidies, private plans, short-term plans, and marketplace coverage can be combined. Oran's advice: talk to a qualified agent before assuming health insurance has to be a massive monthly burden. * Oran's background in door-to-door sales gave him the persistence needed to succeed in insurance. * How to get health insurance for entrepreneurs * Examples of families saving $1,500–$2,600+ per month by restructuring coverage. * Health insurance is confusing, but the right agent can help business owners avoid overpaying.

* **The summit is not the end.** Even at the top of Everest, Hillary and Norgay was already seeing the next mountain. * **The journey is what changes you.** The growth comes in the uphill and downhill, not sitting at the summit. * **Chase the next mountain from gratitude, not emptiness.** Measure the gain, not the gap.   Inzo Technologies: Get a complimentary IT audit for acquisition diligence or post-close transition. Visit inzotechnologies.com/eta.