“He had access to a line of credit, but he wasn’t using it. Instead. he was managing everything with operating cash. In other words, he was torturing himself unnecessarily.”

“So do you pull back, get conservative, and try to protect yourself in case things go bad? Or do you keep going, maybe even lean in, and operate as if things will work out?”

“Imagine that: They couldn’t keep up with a 30-year loan, and now they’re expected to repay everything plus penalties in just three years.”

“Small SBA loans have always been less profitable for banks. A $100,000 loan often requires nearly the same underwriting, compliance work, and servicing as a $1 million loan but generates far less revenue.”

“This is not an argument against short-term capital. It fills real gaps. It moves when banks cannot. I often funds businesses that otherwise would receive nothing.”

“The founders who navigate partnership strain most effectively aren’t the ones who posture or push. They’re the ones who quietly get informed.”

“Lenders and borrowers are facing uncertainty. Deals are expected to slow, and closings may be stalled or, even worse, called off.”