Small Biz Florida

Florida SBDC at Indian River State College

Small Biz FL was designed to highlight issues and promote business assistance resources available throughout the state of Florida.

  1. Sep 30

    Ep 428 | Beyond the Loan: SBA Resources for Growth with Jonel Hein & Clemence Garcia

    The SBA offers more than business loans—it connects entrepreneurs with tools, training, and support to help them start, grow, and navigate challenges. Recorded at the 2026 Florida SBDC Small Business Success Summit in Charlotte Harbor, this episode of Small Biz Florida features host Tom Kindred in conversation with Jonel Hein, District Director of the SBA’s North Florida District Office, and Clemence Garcia, Lender Relations Specialist with the South Florida District Office. Together, they explore the SBA’s four core areas of support: counseling, capital, contracting, and crisis assistance. The conversation highlights lending activity across Florida and developments in financing for working capital, manufacturing, and domestic production. They also discuss how the 7(a) and 504 loan programs can serve different business needs. Beyond financing, Jonel and Clemence share how their district offices bring resources directly to entrepreneurs through webinars, individual assistance, community outreach, and partnerships with the Florida SBDC Network. Clemence explains how “Are You Lender Ready?” programming helps business owners prepare for financing conversations and connect with lenders. Whether you’re exploring funding, preparing to expand, or simply unsure where to turn for guidance, tune in to discover how the SBA and its resource partners support Florida’s small business community.

  2. Sep 28

    Ep 427 | When Banks Say No: Exploring Startup Funding with Boyd Karren

    A bank’s “no” doesn’t have to mean the end of your business idea. Understanding other funding options—and how to prepare for them—can help entrepreneurs identify a path forward. Recorded at the 2026 Florida SBDC Small Business Success Summit in Charlotte Harbor, this episode of Small Biz Florida features host Tom Kindred in conversation with Boyd Karren, founder and CEO of Otro Financial. A serial entrepreneur, Boyd shares how his own experience being denied a business loan inspired him to help other founders navigate financing challenges. Drawing from his presentation, “When Banks Say No,” he introduces alternative funding approaches, including credit-based financing, personal term loans, business-purpose home equity lines of credit, and retirement-fund business financing. The conversation explores why early-stage businesses face lending hurdles and how building credit, documenting cash flow, and establishing business history can help prepare entrepreneurs for future financing opportunities. Boyd and Tom also discuss starting a business as a side venture while maintaining employment. Boyd highlights his financial education books and introduces plans for Go Biz Girl, a startup academy designed to combine entrepreneurship training with credit education and funding preparation, with a focus on supporting single mothers. Tune in for an encouraging conversation about becoming better prepared for financing, exploring your options, and moving your business idea forward.

Ratings & Reviews

4.7
out of 5
15 Ratings

About

Small Biz FL was designed to highlight issues and promote business assistance resources available throughout the state of Florida.

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