@JulieChangRE@JackieHirsch_@paulswaney3 There are so many truly egregious and ridiculous instances of this these days. They're not even creative or reasonable anymore.
@DefiantLs@DHSgov Is it possible this individual qualifies for Denaturalization proceedings based on his prior voting fraud conviction or denouncement of the USA as a nation?
@bavedikian@BestBuy@FedEx Like many others, I have spent tens of thousands of dollars @BestBuy over the years and won't be shopping with them again based on that response you received. @FedEx you are equally pathetic and I have personally experienced similar package theft by your drivers in the past.
๐ง๐ต๐ฒ ๐ฆ๐๐ ๐ท๐๐๐ ๐บ๐ฎ๐ฑ๐ฒ ๐ผ๐ป๐ฒ ๐ผ๐ณ ๐๐ต๐ฒ ๐บ๐ผ๐๐ ๐บ๐ฒ๐ฎ๐ป๐ถ๐ป๐ด๐ณ๐๐น ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ ๐๐ผ ๐ฎ๐ฐ๐พ๐๐ถ๐๐ถ๐๐ถ๐ผ๐ป ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ป๐ด ๐ถ๐ป ๐๐ฒ๐ฎ๐ฟ๐.
Effective July 4, 2026 eligible borrowers will be able to combine SBA 7(a) and 504 financing for up to $10 million in cumulative SBA-backed exposure.
Previously, combined exposure was effectively constrained by a shared $5 million cap.
๐ช๐ต๐ฎ๐ ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ฑ
Borrowers can now access:
ย ย โข up to $5MM through SBA 7(a)
ย ย โข plus up to $5MM through SBA 504
All within the same overall capital structure.
๐ช๐ต๐ ๐๐ต๐ถ๐ ๐บ๐ฎ๐๐๐ฒ๐ฟ๐:
For acquisition buyers, especially those acquiring operating companies with owner-occupied real estate, the old framework created a structural bottleneck.
๐ ๐ฏ๐๐๐ฒ๐ฟ ๐บ๐ถ๐ด๐ต๐ ๐ป๐ฒ๐ฒ๐ฑ:
ย ย โข 7(a) proceeds for goodwill, working capital, partner buyouts, and acquisition costs;
ย ย โข 504 proceeds for real estate, equipment, or expansion financing
But both programs were competing against the same aggregate SBA exposure limit.
As a result, many otherwise strong lower middle-market transactions required:
ย ย โข additional equity
ย ย โข seller financing
ย ย โข mezzanine debt
ย ย โข or migration into conventional structures earlier than necessary.
๐ง๐ต๐ถ๐ ๐บ๐ฎ๐๐ฒ๐ฟ๐ถ๐ฎ๐น๐น๐ ๐ฐ๐ต๐ฎ๐ป๐ด๐ฒ๐ ๐๐ต๐ฒ ๐๐๐ฟ๐๐ฐ๐๐๐ฟ๐ถ๐ป๐ด ๐ณ๐น๐ฒ๐ ๐ถ๐ฏ๐ถ๐น๐ถ๐๐ ๐ณ๐ผ๐ฟ:
ย ย โข manufacturing businesses;
ย ย โข industrial owner-users;
ย ย โข logistics and transportation companies;
ย ย โข equipment-intensive operators;
ย ย โข and acquisition buyers in the $3MM-$10MM enterprise value range.
๐๐ข๐ฅ๐ค๐ง๐ฉ๐๐ฃ๐ฉ๐ก๐ฎ, ๐ฉ๐๐ ๐จ๐ฉ๐๐ฃ๐๐๐ก๐ค๐ฃ๐ ๐๐ฝ๐ผ 7(๐) ๐๐๐ฅ ๐๐ฉ๐จ๐๐ก๐ ๐จ๐ฉ๐๐ก๐ก ๐ง๐๐ข๐๐๐ฃ๐จ $5 ๐ข๐๐ก๐ก๐๐ค๐ฃ.
The change is the ability to separately layer 504 financing on top of it within the same borrower structure.
Feel free to reach out if you would like to evaluate how the new framework could impact your financing strategy.
https://t.co/qDUriGlM2F
@AnthropicAI 's Claude Pro usage limit is the biggest scam in subscription / SaaS history.
90% of my usage is consistently consumed by errors resulting from acknowledged deviations from prompt / Skill / instruction specification for repetitive tasks and substandard output.
I'm glad I didn't cancel my ChatGPT account.
๐ฆ๐บ๐ฎ๐น๐น ๐ฏ๐ฎ๐น๐ฎ๐ป๐ฐ๐ฒ ๐ป๐ผ๐๐ฒ-๐ผ๐ป-๐ป๐ผ๐๐ฒ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ป๐ด: A powerful niche more brokers and private lenders should be leveraging.
At INSIGNIA, weโve been arranging a growing volume of note-on-note financing for small balance loans (under $2MM) this year.
First position seller financed notes and private money loans are eligible for note-on-note financing.
Wraps and junior liens are not eligible.
Why bring us your note-on-note opportunities?
โ Fast approvals and closings
โ No personal qualification
โ No appraisals required
โ Flexible, common sense terms
This structure is ideal for investors or private lenders who own debt and are looking to unlock value, reposition, or create liquidity without jumping through the traditional commercial lending hoops.
For brokers, this is an underrated niche opportunity:
ย ย โข Less competition
ย ย โข Fast execution
ย ย โข Less commoditization
If youโre a broker looking to expand your toolbox, a private lender, or an investor sitting on notes and looking for creative financing, this is worth a conversation.
Curious how note on note deals are getting structured in todayโs market?
Comment or DM me, Iโm happy to share what weโre seeing.
๐๐น๐น๐ถ๐ป๐ผ๐ถ๐ ๐ฆ๐๐ฏ๐ฑ๐ฌ๐ฐ: A Shift in How Rent Impacts Tenant Credit
Illinois Senate Bill 3504 may be a meaningful shift in the landlord-tenant dynamic.
If passed, the bill would require qualifying landlords to offer tenants the option to report on-time rent payments to a national credit bureau.
This is strictly opt-in and positive-only reporting, meaning only timely payments count toward credit history.
๐๐ฒ๐ ๐ฝ๐ผ๐ถ๐ป๐๐:
ย ย โข Applies broadly to professional landlords and multi-property owners, even if individual buildings are small
ย ย โข Exempts true small-scale landlords (single property, โค15 units, non-corporate ownership)
ย ย โข Requires formal disclosure + written tenant authorization before any reporting
ย ย โข Allows a limited fee structure, capped at cost + $5/month
What's your take on SB3504 and do you see this as positive, negative, or neutral as a landlord?