Breaking Down Equity Injection (or Lack Thereof) | Ep. 46 | The BDO Show

Welcome back to The BDO Show—where SBA lending gets dissected, debated, and occasionally roasted.

Equity injection (or the lack thereof) has been a hot topic, and in this episode, we break down the winners, the losers, and the unintended consequences of recent SOP changes. Is 100% financing making a comeback? Should seller notes really count as skin in the game? And what happens when borrowers try to have just enough liquidity to game the system?

Join Emily Detor, Alan Peterson, Chris Hackney, Sterling Birdsong, and Ryan Kroge as they debate:
💰 When no money down actually makes sense (and when it doesn’t)
🏦 The risks of undercapitalization and why some loans are doomed from the start
📜 How recent rule changes could open the door for fraud (again)
💡 The role of liquidity, experience, and seller notes in responsible SBA lending

📢 “Does 10% down really make a difference, or are we just chasing numbers on paper?”

This episode is packed with insights, strong opinions, and a little bit of story time—so don’t miss it! Do you think these changes are helping or hurting the industry? Drop your thoughts in the comments or email us at [e-mail].

📺 Don’t forget to like, subscribe, and hit the bell so you never miss an episode!

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This episode is sponsored by:

Rapid Business Plans 

Rapid Business Plans is the go-to provider of business plans and feasibility studies for government guaranteed small business lenders. For more information, or to set up a Get Acquainted call go to https://rapidbusinessplans.com/art-of-sba

Peak Business Valuations

Peak Business Valuation has put together a free valuation resource for The BDO Show listeners that lists out the rule of thumb formulas for some of the most common industries in SBA lending.

Get your free valuation resource today by going to https://peakbusinessvaluation.com/get-your-free-valuation-resource/