WHAT YOU BUILT

Casey Silveria, CEPA®, MBA
  • 0.0 (0)
  • Entrepreneurship

How do business owners decide what comes next for their business? What You Built is a conversation for business owners and the experts who guide them. Each episode goes deep with one guest on the decisions owners face: growing, holding, transferring, or selling what they built. Fewer guests, chosen with care. Some episodes are Casey alone, on the decisions owners face and the clarity to make them. Learn more about Casey & Silveria Wealth Group: www.silveriawealth.com

Episodes

  1. Jul 21

    The Underwriter Never Meets You w/ Karen Appelgren

    When a bank turns an owner down, the reflex is to blame the bank. Karen Appelgren has sat on the other side of that desk, and her read is different. The no is usually the business telling on itself. Karen is Associate Region III Director and Senior Business Consultant at the Idaho Small Business Development Center. Before that she was a business banker who grew and managed a commercial portfolio of Idaho companies with revenues up to twenty million in annual sales. She knows what a business looks like from the outside, from the seat that decides whether it gets financed. We get into why the numbers that keep your taxes low can cost you the loan, how to tell a relationship banker from a transactional one, and the question that separates the owner who is ready from the owner who is hoping. She also names the part nobody warns you about: the underwriter who approves or declines your loan never meets you. Your package is the only version of you in the room. The work that makes a business fundable is the same work that makes it sellable, and it starts long before anyone asks for a business plan. Chapters 00:00 The no from the bank is the business talking about itself01:13 The real reason owners get turned down02:52 What to fix before you walk in: clean books, clean categories04:23 The tax number and the real number05:33 Relationship banker or transactional banker, and how to tell08:29 The owner who was ready and the owner who was hoping12:12 The handful of numbers you should be able to answer cold13:50 Fear, avoidance, and why owners wait until the runway is gone17:10 Seller readiness, cold feet, and the underwriter who never meets you20:45 The pre-flight checklist, and building a business that runs without youKaren's Loan Package Checklist: the 18 items to gather before you meet a bank: Access it here Karen Appelgren: https://www.linkedin.com/in/karenappelgren/ Idaho SBDC: https://idahosbdc.org Silveria Wealth Group, LLC is a registered investment adviser with the State of Idaho. Registration does not imply a certain level of skill or training. This episode is for educational purposes and is not investment, tax, or legal advice. The views of guests are their own and do not represent an endorsement of Silveria Wealth Group, LLC or its services. Investing involves risk, including the potential loss of principal.

    The Underwriter Never Meets You w/ Karen Appelgren
  • 1 Episode

About

How do business owners decide what comes next for their business? What You Built is a conversation for business owners and the experts who guide them. Each episode goes deep with one guest on the decisions owners face: growing, holding, transferring, or selling what they built. Fewer guests, chosen with care. Some episodes are Casey alone, on the decisions owners face and the clarity to make them. Learn more about Casey & Silveria Wealth Group: www.silveriawealth.com

Information

  • Creator
    Casey Silveria, CEPA®, MBA
  • Years Active
    2026
  • Episodes
    1
  • Rating
    Clean
  • Copyright
    © Silveria Wealth Group, LLC
  • Show Website
    WHAT YOU BUILT