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In this episode, Ken Lucci sits down with Natalie Beane, an SBA and business-lending expert who helps small and mid-sized companies secure the capital they need to operate, grow, and survive challenging markets.

Natalie breaks down how SBA loans really work, the differences between traditional banking and government-backed financing, and what transportation operators can do today to make themselves lender-ready. She explains why clean financials matter, how banks evaluate risk, the biggest reasons loan applications get denied, and the operational habits that signal stability to underwriters.

Whether you're growing, rebuilding, or simply future-proofing your company, Natalie’s insights are essential listening.

CHAPTERS:
00:00 Welcome
01:47 Background
03:30 The Tail That Wags The Dog
04:50 Types of SBA Loans
06:26  What are SBA Loans Used for?
08:14 The Importance of Financial Reporting Documents
11:54 SBA for Real Estate
15:33 SBAs to Buy Businesses
23:40 SBA Myths
33:01 Promissory Notes
36:37 Sellers Who Want it All
41:44 Cash Flow
46:25 How To Prepare a Buyer
48:23 Owners and W2s
50:29 The SBA Provider Process

Connect with Natalie: https://www.linkedin.com/in/natalie-beane-8a2972b/
Learn more about Provide: https://www.getprovide.com/

The Limo CEO Academy is designed specifically for smaller operators who want to get out of the driver seat and take their business to the next level. Get access to an exclusive digital community complete with monthly workshops, live Q&A sessions, and a library of content, including original research and benchmarks.

Learn more about the Limo CEO Academy.

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