Ryan Smith

Business Acquisition & Owner Occupied Real Estate Financing Specialist | SBA 7a | SBA 504 | USDA | IBank | $245M Closed | Founder @ThinkSBA

[Ryan Smith @MySBAPro]

Hello, my name is Ryan Smith, Principal & Founder of ThinkSBA®, an SBA 504 & 7(a) Loan Brokerage focusing on serving business owners, entrepreneurs and searchers throughout the U.S.

[Ryan Smith @MySBAPro]

It is crucial to fully disclose history on applications, as Casey Hopkins points out that LexisNexis checks will reveal past bankruptcies that standard credit reports miss.

🎥 Watch the full episode here: https://t.co/Rinkdg7aFA
🔗 Connect with Casey Hopkins on LinkedIn: https://t.co/IIXwGZPtG2

[Ryan Smith @MySBAPro]

May interest rate check! 📉

See what’s new and how it affects your next move.

[Ryan Smith @MySBAPro]

Max Emma argues that AI will not replace bookkeepers in the near future but explains how cloud technology allows his company to lower prices while increasing client volume. He notes that efficiency gains allow them to handle five clients in the time it used to take for one.

🎥 Watch the full episode here: https://t.co/KzJyfYf7UZ
🔗 Connect with Max Emma on LinkedIn: https://t.co/9bD9zsYDhc

[Ryan Smith @MySBAPro]

May interest rate check! 📉

See what’s new and how it affects your next move.

[Ryan Smith @MySBAPro]

Highlighting that Transworld is global yet local, Steven Hanson kicks things off with a quick look at the firm’s massive reach.

🎥 Watch the full episode here: https://t.co/eL6EHFr1uE
🔗 Connect with Steven Hanson on LinkedIn: https://t.co/yEKMSBOajt

[Ryan Smith @MySBAPro]

@therobertbrooks @1JoeSpringsteen Good idea. FYI I just closed a transaction for a borrower who came to me with a 5.95% CL from US Bank. I lowered his rate on the RE/Business acquisition combo to 5.05% fully amortizing for 25 years with 5 year IR resets. He was located in Tennessee. DM me if interested.

[Ryan Smith @MySBAPro]

@ThinkAppraiser And that type of wealth has most likely been created not earned in the traditional sense. Young people today should learn how to create wealth not earn it through hard work. You learn how to create wealth through fee generation and then business acquisition then real estate.

[Ryan Smith @MySBAPro]

Tip when receiving a wire

1. Always require a call to verify wire instructions after they have been emailed.

2. After verbal confirmation clearly state these instructions will not change

[Ryan Smith @MySBAPro]

@MaxArmand @BigtyneMonte2 Anyone visiting HB doesn’t stand a chance. It’s called Hermosa for a reason.

[Ryan Smith @MySBAPro]

@MaxArmand Yes, but living in Texas or Nevada and 51% of the time because you’ve probably structured your nest egg later in life is the most Alpha move of all time. In the meantime, I’ll enjoy my 10 minute drive to the beach all 365 days a year.

[Ryan Smith @MySBAPro]

The best bankers are rarely cold-calling new prospects, according to Roy Chiovari. Their excellent client experience leads current clients to refer them, allowing their reputation to speak for itself.

🎥 Watch the full episode here: https://t.co/ewZqPMidna
🔗 Connect with Roy Chiovari on LinkedIn: https://t.co/fNuqIabpHs

[Ryan Smith @MySBAPro]

Describing underwriting as a "two-headed monster," Casey Hopkins explains the struggle business owners face when their tax minimization strategies conflict with showing repayment ability.

🎥 Watch the full episode here: https://t.co/Rinkdg7aFA
🔗 Connect with Casey Hopkins on LinkedIn: https://t.co/IIXwGZPtG2

[Ryan Smith @MySBAPro]

@Micha_Siegel @patrickdichter The SBA allows non-manufacturers to borrow $5MM in SBA 7(a). Combining a Pari Passu with 7(a) the limit jumps to $9MM. The SBA also allows up to $15MM or more in SBA 504 (Only the 2nd DOT counts) I discuss all of this here -> https://t.co/xWujG9keNo

[Ryan Smith @MySBAPro]

@patrickdichter There is nothing new that helps borrowers increase their ability to borrow using 7a.

[Ryan Smith @MySBAPro]

The SBA loan process is not just a financial review.

It is a character review.

The borrowers who win are usually not the loudest.

They are the most prepared.

[Ryan Smith @MySBAPro]

Strong operators take ownership.
Banks lend to accountable people.

What banks actually want is surprisingly simple:

• Organized documentation
• Honest communication
• Professionalism
• Fast responsiveness
• Transparency
• Cooperative behavior

[Ryan Smith @MySBAPro]

Confidence in the borrower changes everything.

At SBA Central, the goal is not just helping clients find lenders.

The goal is helping borrowers become bankable before the file ever reaches underwriting.

Preparation changes outcomes.

[Ryan Smith @MySBAPro]

The borrowers who win are usually not the loudest.

They are the most prepared.

And when lenders trust the borrower, everything in the SBA process becomes easier.

[Ryan Smith @MySBAPro]

How to Kill Your SBA Loan Application Before It Ever Gets to Underwriting

Getting approved for an SBA loan is not just about numbers. Long before underwriting, the bank is evaluating something even more important:

You.

[Ryan Smith @MySBAPro]

• Match with the right SBA banks
• Avoid unnecessary underwriting red flags

The SBA process is not just a financial review.

It is a character review.

Banks are evaluating who you are as a future long-term banking partner.