RyanKroge | SBAFundingExpert | BusinessCapital

💸 Get SBA lending and expert guidance
🌟 Top SBA lender for acquisitions in MI
📩 DM me your goals. Let's unlock your acquisition potential!

[SMBash @SMB_ash]

Want to know what your life could look like in 1, 5, or 10 years?

At SMBash, you’ll meet the people already living that future.
✔ Searchers buying their first business
✔ Operators growing revenue and teams
✔ Service providers solving real challenges

From coffee chats to keynote panels, every conversation puts your future within reach.

Don’t just imagine it. Experience it.

Thanks @The_Real_Kroge for sharing your thoughts! Hit up @KHendersonCo or @TwoTeesSMB with your questions!

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Take Action Now:

Call: [phone]
Email: [email protected]

The manufacturers who move first will win. The rest will explain why they missed free money.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

The Facts (No Fluff):

• 7(a) loans up to $950K: Zero upfront fees
• 504 loans: No fees whatsoever
• Your savings: $10K-$35K+
• Timeline: Oct 1, 2025 - Sept 30, 2026
• Who qualifies: NAICS 31-33 (manufacturing)

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

What This $35K Means:

• Equipment on your floor while competitors decide
• The worker you need for that big contract
• The competitive edge while others complain about capital

It's the difference between growing and stagnating.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Just last week, I helped a metal fabricator secure $750K with ZERO fees.

They're using that $28K savings to fund a new CNC machine while competitors wait.

This isn't theoretical, it's real money staying in YOUR business instead of going to fees.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

🚨 MANUFACTURERS: $35,000 BACK IN YOUR POCKET (STARTS TOMORROW)

After 26 years in SBA lending, I've never seen anything like this.

The SBA just eliminated ALL fees for manufacturers. Not reduced—eliminated.

This is a game-changer. 🧵👇

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

4 deals died in 2025 from sellers taking "foot off gas pedal."

Real issue: 2024 was banner year, 2025 naturally declining.

They use excuse to hide declining business performance.

Walk away from these red flags.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

SBA changed rules back to 20 years ago

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

AI reads resumes and creates detailed borrower narratives automatically.

"Person wants $2M for this business. Background shows they fit this industry because..."
All from uploaded documents.

Scary how accurate it gets.

Broker platform coming next.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

First Internet Bank invests big in AI platform called Parlay.

Customers upload docs, AI labels and analyzes everything instantly.

Had my tech friend test it first (I ruin technology if I start wrong).

Now it's revolutionizing our lending process.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Former bankers make the best loan brokers.

They know what lenders need and how to package deals properly.

Every deal from Ray comes clean and organized.

Experience on both sides wins.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Ray gives me first priority on every SBA deal because I'm direct.

"If he can't do it, he tells me right away instead of wasting months."

Honesty beats false hope.

Direct communication wins loyalty.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Met Ray at networking events. His bank did SBA but had tiny credit box.

He kept asking me SBA questions. Finally quit: "I need to say YES more frequently."

Went independent. Now we partner on deals.

Networking events actually work

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Relationship banking beats transactional lending.

Most lenders disappear after closing. I stay connected and get repeat business.

Ray partnership: He starts deals, I handle lending, he "shakes trees" when stuck.

24-hour response guarantee.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Former lender explains why he left banking.

I guess brokering offers MORE options.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Commercial real estate market showing major uptick.

Multifamily and retail plazas hot again after COVID crash.

Smart money parking in investment real estate.

Market may be back - time to diversify before prices climb.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Interest rates drop = Commercial real estate prices drop
Perfect storm for business acquisitions:

Lower property costs
Cheaper financing
More deals close

Real estate brokers are about to argue with me, but income-producing properties follow rates.

[RyanKroge | SBAFundingExpert | BusinessCapital @The_Real_Kroge]

Stopped an assisted living closing mid-signature.

Buyer's answers to my small talk felt wrong.

Turns out: He'd never seen the property in 6 months.

Forced inspection revealed major problems and lies from seller.
Small talk saves deals.

#lending #closing #businessstories