SBA Loan Show

Frank Garay and Dave Zitting
  • 0.0 (0)
  • Entrepreneurship

Welcome to The SBA Loan Show, hosted by SBA lending professionals Dave Zitting and Frank Garay—your source for practical information about SBA loans, fast SBA loan closings, difficult loan scenarios, bank declines, and SBA loan approval strategies. Dave and Frank specialize in helping business owners, entrepreneurs, investors, and referral partners navigate the SBA lending process with greater speed and clarity. They help qualified borrowers and referral partners understand their options, work through challenging loan scenarios, and find a path forward when a deal doesn't fit neatly with a traditional lender. If you need to close an SBA loan quickly, have already been declined by a bank, or are struggling with an SBA loan that seems stuck, this podcast is for you. Visit SBALoanShow.com or contact Dave and Frank at info@lulucapitalinc.com.

Episodes

  1. Aug 4

    Episode 1: SBA Loans Aren't What Most Business Owners Think

    One of the biggest SBA loan myths is that the SBA is a giant government bureaucracy looking for reasons to reject business owners. To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204 In this episode of The SBA Loan Show, Frank Garay and Dave Zitting explain why that perception is often far from reality and reveal who is actually involved in an SBA loan transaction. Many business owners assume SBA financing means endless paperwork, slow government decision-making, and a slim chance of approval. However, the lending process involves banks, funding partners, and Certified Development Companies, commonly called CDCs, that actively want to help qualified small businesses complete transactions. Frank and Dave discuss why the experience can feel bureaucratic when a borrower starts with the wrong lending institution, why a slow bank should not be confused with the SBA itself, and how the right funding partner can make the process feel much more like a private-market transaction. In this episode, you'll learn: The biggest misconceptions about SBA loans Whether the SBA is actually looking for reasons to say no Why SBA financing can feel intimidating What a Certified Development Company does How CDCs participate in SBA 504 transactions Why different SBA lending organizations compete for business Why a slow bank is not the same as a slow SBA process How choosing the right lending partner changes the experience Why SBA professionals may be strong advocates for business owners How SBA financing can help businesses grow, expand, and purchase real estate Why business owners should not dismiss SBA financing based on reputation alone Key Takeaways: The SBA provides programs designed to support small-business growth, but the borrower's experience often depends on where the transaction starts and who is guiding it. A business owner working with a large bank may experience delays or rigid lending requirements. That does not necessarily mean the SBA itself rejected the transaction or that every SBA lending partner will handle it the same way. If you need an SBA loan completed quickly, have already been told no, or want a second opinion on your transaction, contact Frank and Dave. ➡️ Visit The SBA Loan Show: https://SBALoanShow.com Disclaimer This content is provided for general educational purposes and does not constitute financial, legal, tax, accounting, or lending advice. SBA loan eligibility, approval, terms, requirements, and timelines vary by borrower, lender, transaction, program, and current SBA guidelines. #SBALoans #SmallBusinessFinancing #SBA504

  2. Aug 4

    Episode 2: Will AI Result in More Funded SBA Loans?

    Will AI Result in More Funded SBA Loans? AI and entrepreneurship may become increasingly connected as more young people reconsider traditional careers and look toward starting businesses of their own. To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204 In this episode of The SBA Loan Show, Frank Garay and Dave Zitting discuss how concerns about AI replacing jobs may be changing the way younger generations think about work, college, business ownership, and their financial futures. Rather than planning for a traditional career, many young people are already thinking about inventions, investments, startups, and becoming entrepreneurs. Frank and Dave share what they are seeing within their own families and communities, where teenagers and college students are increasingly focused on building businesses instead of simply finding jobs. They also explore what this shift could mean for the future of small business and why SBA financing may play an important role in supporting the next generation of business owners. In this episode, you'll learn: How AI may be changing career expectations Why younger generations are interested in entrepreneurship How job uncertainty can encourage business ownership Why more entrepreneurs may increase the need for small-business financing How SBA loans can support growing businesses Why timing matters when identifying emerging business opportunities What real estate agents and loan professionals should watch for Why building relationships with young entrepreneurs early matters How entrepreneurship could affect the future economy Why SBA programs may become even more important Key Takeaways: AI may change the types of jobs available, but it may also inspire more people to create companies, invest in ideas, purchase commercial property, and build businesses of their own. What are you seeing? Are younger people becoming more entrepreneurial because of AI and uncertainty around traditional jobs? Share your thoughts in the comments. If you are a business owner, real estate professional, or loan professional exploring SBA financing, contact Frank and Dave to discuss your transaction. ➡️ Visit The SBA Loan Show: https://SBALoanShow.com Disclaimer This content is provided for general educational and discussion purposes and does not constitute financial, legal, tax, employment, economic, or lending advice. Future developments involving artificial intelligence, employment, entrepreneurship, and small-business growth are uncertain and may differ from the opinions discussed in this episode. #ArtificialIntelligence #Entrepreneurship #SmallBusiness #SBALoans #AICreate

  3. Aug 4

    Episode 3: The Secret to a Faster SBA Loan Closing

    The secret to a faster SBA loan closing? While many SBA transactions take 90 to 180 days, the right preparation, communication, and lending team can dramatically shorten the process. To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204 In this episode of The SBA Loan Show, Frank Garay and Dave Zitting explain how their team closes SBA loans in an average of approximately 54 days, including one transaction that closed in just 28 days. The SBA loan process can appear overwhelming because of the amount of documentation, financial information, inspections, reports, and third-party coordination involved. However, many delays are not caused by the SBA itself. They happen because documents sit unanswered, business owners are unsure what to provide, or the professionals involved are not actively managing the transaction. Frank and Dave break down how a hands-on project management approach keeps an SBA loan moving toward the finish line. In this episode, you'll learn: How long an SBA loan typically takes to close Why some SBA loans take 90 to 180 days How SBA loans can close in approximately 54 days What causes unnecessary SBA loan delays Why document collection is one of the biggest bottlenecks How to involve a controller, accountant, administrator, or spouse Why the lending team should integrate with the business How environmental reports can affect commercial transactions Why experienced vendors and lending partners matter How strong project management speeds up the SBA loan process Why business owners should not manage the process alone How experienced SBA professionals anticipate problems before they cause delays Key Takeaways: Business owners are already working long days and managing the daily demands of their companies. They often do not have time to search for tax returns, financial statements, property documents, environmental reports, and other required information without guidance. A strong SBA lending team breaks the process into manageable steps, communicates clearly, follows up quickly, and works directly with the people who already support the business. If you need an SBA loan and speed is important, contact Frank and Dave to discuss your transaction. ➡️ Visit The SBA Loan Show: https://SBALoanShow.com Disclaimer This content is provided for general educational purposes and does not constitute financial, legal, tax, accounting, or lending advice. SBA loan approval, eligibility, closing time, documentation, terms, and requirements vary by borrower, lender, transaction, property, and current SBA guidelines. Closing timelines are not guaranteed. #SBALoan #SBALoanProcess #BusinessFinancing #SBALoanClosing

  4. Aug 4

    Episode 4: How AI Could Get Your SBA Loan Rejected

    AI in SBA lending can make the process faster, but relying on it to evaluate a business may cause a viable SBA loan to be rejected before the full story is understood. To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204 In this episode of The SBA Loan Show, Frank Garay and Dave Zitting discuss the growing use of artificial intelligence in SBA loan reviews and why business owners should be cautious when automated tools are used to analyze tax returns, debt-service coverage, and financial statements. AI can quickly process numbers, but it may not understand why a company's margins changed, whether an expense was temporary, how signed contracts will affect future revenue, or what is customary within a particular industry. That becomes especially dangerous when an automated evaluation is used early in the process and prevents the transaction from ever reaching an experienced underwriter. Frank and Dave explain why SBA loan evaluation requires more than reading black-and-white financial data. It requires understanding the business, recreating its financial picture, asking deeper questions, and presenting the transaction in a way that accurately reflects its true strengths and risks. In This Episode, You'll Learn: How AI is currently being used in SBA lending Why AI can misinterpret tax returns and financial statements What debt-service coverage means in an SBA transaction Why the story behind the business matters How viable SBA loans can be filtered out too early Why business owners should seek a second opinion The difference between using AI for productivity and using it for credit evaluation Why experienced SBA professionals review the entire business What an SBA loan "pre-flight" review involves Why every transaction should be evaluated at an underwriter level from the beginning   Key Takeaways: AI can be an incredibly useful tool for improving speed and productivity. However, it should support experienced lending professionals, not replace the judgment needed to understand a complex business. If your SBA loan was rejected, filtered out during an initial review, or evaluated only through automated financial analysis, contact Frank and Dave for a second look.   ➡️ Visit The SBA Loan Show: https://SBALoanShow.com   Disclaimer: This content is provided for general educational purposes and does not constitute financial, legal, tax, accounting, technology, or lending advice. SBA loan approval, eligibility, underwriting, terms, and timelines vary by borrower, lender, transaction, and current SBA requirements. #SBALoan #SBALending #ArtificialIntelligence #AIinLending #BusinessFinancing #SmallBusinessLoans #CommercialLending #LoanUnderwriting #BusinessCredit #TheSBALoanShow #SBAApproval #LoanReview #CreditAnalysis #FinancialStatements #BusinessGrowth

  5. Aug 4

    Episode 5: Why This SBA Loan Was Rejected and How Dave Got It Approved

    This SBA loan was rejected even though the business had been operating successfully for 20 years. To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204 In this episode of The SBA Loan Show, Frank Garay and Dave Zitting break down what the original lender missed, how they rebuilt the loan package, and what ultimately got the transaction approved. The business had new employees, equipment expenses, compressed margins, and incoming contracts. However, its financial documents did not clearly show why the temporary expenses existed or how the expansion would increase future revenue. After the local credit union declined the transaction, Dave and his team took a deeper look at the business, worked with the company's CPA and financial professionals, documented its signed contracts, and rebuilt the loan package to tell the complete story. They also matched the transaction with a lending partner specifically interested in financing industrial and manufacturing businesses. In this episode, you'll learn: - Why an SBA loan may be denied even when the business is strong - How temporary expansion expenses can affect loan approval - Why tax returns and financial statements may not tell the full story - How signed contracts and future revenue can strengthen an SBA loan package - Why choosing the right SBA lender matters - How lenders evaluate different industries - What an SBA loan second look involves - Why working with the borrower's CPA can uncover important information - How a declined SBA transaction can be repackaged and reconsidered Key Takeaways: A successful SBA loan application is not only about submitting documents. It is also about helping the lender understand the business, the reason for the financing, and how the proposed expansion will support future cash flow. If your SBA loan was declined, or you are planning to finance a commercial property, business expansion, or equipment purchase, contact Frank and Dave to request a second look. ➡️ Visit The SBA Loan Show: https://SBALoanShow.com Disclaimer This content is provided for general educational purposes and does not constitute financial, legal, tax, accounting, or lending advice. SBA loan approval, terms, eligibility, and timelines vary based on the borrower, transaction, lender, industry, and current SBA requirements. Approval is not guaranteed. #SBALoan #SBALoanDenied #SBALoanApproval #SBALoanwasRejected

  6. Jul 31

    Episode 6: The Primary & Secondary SBA Market - What's the Difference?

    An SBA loan denied by one bank may not mean the SBA rejected your transaction. Before you abandon the deal, it may be worth getting a qualified second look. To connect with Frank & Dave - info@lulucapitalinc.com - https://sbaloanshow.com - 415-677-2204 Many business owners assume an SBA loan will take months to close or that one lender's rejection means they are no longer eligible. In this episode of The SBA Loan Show, Frank Garay and Dave Zitting explain why that is not always the case. The issue? Most business owners, real estate agents, and loan officers are not aware that there is a "Prime Market" and a "Secondary Market," or "Second Look" Market, for SBA loans. You'll learn the difference between a bank declining a transaction and the SBA determining that a borrower is ineligible. Frank and Dave also explain how lender selection, transaction structure, financial documentation, business plans, tax returns, and communication can affect both approval and closing speed. IN THIS EPISODE, WE COVER: What to do after an SBA loan is denied Why one bank's decision may not be the final answer How the SBA loan second-look process works Why some SBA transactions take months to close Whether an SBA loan can close in 45–60 days The difference between traditional bank lending and advisory lending How an SBA 504 loan is structured Why choosing the right SBA lender matters How declined transactions may be reviewed and restructured When a large traditional bank may still be the right option How business owners, real estate agents, and loan officers can avoid unnecessary delays   KEY TAKEAWAYS: A clean, straightforward SBA transaction may work well through a traditional banking relationship. However, when the financial documents, business structure, expansion plan, property, or timing do not fit neatly into one lender's guidelines, a more hands-on review may be needed. One lender saying no does not automatically mean every SBA lender will reach the same decision. A lender experienced in complex SBA transactions may be able to identify the actual problem, gather better documentation, restructure the request, and present the business more clearly. Approval is never guaranteed, but a second review can help determine whether the transaction is truly ineligible or simply needs a different lending strategy. NEED A SECOND LOOK AT AN SBA LOAN? If your SBA loan was declined, your closing deadline is approaching, or you are unsure whether your transaction was structured properly, contact Frank and Dave to discuss your situation. Visit The SBA Loan Show for more information: https://SBALoanShow.com Disclaimer This content is provided for general educational purposes and does not constitute financial, legal, tax, or lending advice. SBA loan eligibility, underwriting, approval, structure, terms, and timelines vary by borrower, lender, transaction, program, and current SBA requirements. Approval and closing time are not guaranteed.   #SBALoan #SBALoanDenied #SBA504Loan

    Episode 6: The Primary & Secondary SBA Market - What's the Difference?
  • 6 Episodes

About

Welcome to The SBA Loan Show, hosted by SBA lending professionals Dave Zitting and Frank Garay—your source for practical information about SBA loans, fast SBA loan closings, difficult loan scenarios, bank declines, and SBA loan approval strategies. Dave and Frank specialize in helping business owners, entrepreneurs, investors, and referral partners navigate the SBA lending process with greater speed and clarity. They help qualified borrowers and referral partners understand their options, work through challenging loan scenarios, and find a path forward when a deal doesn't fit neatly with a traditional lender. If you need to close an SBA loan quickly, have already been declined by a bank, or are struggling with an SBA loan that seems stuck, this podcast is for you. Visit SBALoanShow.com or contact Dave and Frank at info@lulucapitalinc.com.

Information

  • Creator
    Frank Garay and Dave Zitting
  • Years Active
    2026
  • Episodes
    6
  • Rating
    Clean
  • Copyright
    © 2026
  • Show Website
    SBA Loan Show