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ThinkSBA

ThinkSBA

ThinkSBA is a Nationwide SBA 504 and 7a Loan Brokerage serving small business and entrepreneurs purchasing owner occupied real estate, acquiring a business or franchise or buying out a partner.

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  • Loan Options
    • Business Acquisition
    • Franchise Acquisition
    • Partner Buy-Out
    • Real Estate Purchase
  • Loan Payment Calculators
    • Real Estate Loan Calculator
    • Acquisition Loan Calculator
  • Resources
    • About
    • Blog
    • Podcast
    • ETA Accelerator Registration
    • Ask An SBA Pro
    • Second Exit
    • SBA 504 Rates
    • FAQ
  • Recently Funded
  • Get Started

The Voice Behind the #1 SBA Podcast

Hosted by Ryan Smith, SBA financing expert and advisor to hundreds of business buyers — covering the strategies lenders won’t tell you.

Start Your SBA Application
Explore Resources

$245M+

loans funded

20+

Years experience

136+

Deals closed

50

States served

Latest episodes

Fresh from the Podcast

Bi-weekly conversations on SBA financing, business acquisition, and real-world deal insights.

Ep. 32

Tax Deferred Structured Installment Sales Explained with John Dudek

Listen now →

Ep. 31

Buying a Business and Real Estate in the Same Transaction with Ryan Smith

Listen now →

Ep. 30

Inside Franchise Ownership: Ops, Relations & Growth | Frank Caperino

Listen now →

Available on your favorite platforms

Youtube
Spotify
Apple Podcasts

Business Acquisition Accelerator

A hands-on monthly program for individuals looking to buy a business. The Accelerator covers financing, deal sourcing, diligence, and execution.

  • Monthly live sessions

  • SBA financing strategy

  • Deal analysis

  • End-to-end education

  • Real-world deal review

  • Lender readiness

Learn About the Accelerator

Recently Funded Deals

A snapshot of real SBA-backed transactions completed with ThinkSBA guidance.

$1,100,000

 Conventional Loan

Real Estate Refinance

$1,500,000

IBank

Partner Buy-Out

$1,100,000

BA 7(a) Loan

Business Acquisition

$3,130,000

 SBA 7(a) Loan

Real Estate Purchase


Proven Results, Real Experience

Rates are subject to SBA maximums and are negotiated by the lender and the applicant.

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Learn More

Commercial Real Estate Loans

Loan Amounts

$500K - $20M

Rates

5.50% - 9.25%

  • Purchase workspace

  • Refinance workspace

  • Ground-up construction

  • Expansion of existing workspace

Small Business Loans

Loan Amounts

$250K - $5M

Rates

6.75% - 11.75%

  • Acquire business

  • Acquire franchise

  • Buy-out partner

  • Start or grow your business

What Customers Say

I called Ryan to help with with a loan to purchase a company. I had NO idea what I was doing or how to do it. Ryan was amazing! He walked me through the process, got me 4 potential banks to work with, kept my updated during the whole process, and was sometimes just a sound board for me concerns. I highly recommend Ryan for anyone that wants a professional to work with when getting a loan. I’ll use him again on my next loan :).

jennifer armitage thinksba customer review
Jennifer Armitage, SBA 7a Business Acquisition

Ryan was a pleasure to work with. He was very professional, communicative, and extremely service-oriented. He took the time to be sure we understood all terms throughout the entire process and I always felt he had my best interest in mind with a holistic approach. We will definitely use Ryan again for our future financial needs.

catherine mccullough thinksba customer
Catherine McCullough, Working Capital Term Loan

We worked with Ryan for our business and it was truly the best experience! He was extremely helpful and pleasant to work and communicate with. We would recommend him to everyone needing his services!

ciao ristorante thinksba customer
Valeria Di Giovanni, Conventional Real Estate Refinance

We want to thank Ryan Smith for his help in securing the loans for our new commercial building in San Diego. He was organized, thorough, as well as highly knowledgeable. He kept the ball rolling and the process was completed with upmost and honest professionalism. Such a commitment to great customer service is to be commended. You can be sure that we will continue to do business with Ryan Smith years to come! We highly recommend ThinkSBA!

innovision marketing thinksba customer
Ric Militi, SBA 504 Real Estate Loan

SBA Financing, Done the Right Way

Business Acquisition

Business acquisition loans are term loans to finance costs associated with acquiring a business.

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Franchise Loans

Business acquisition loans are term loans to finance costs associated with acquiring a franchise business.

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Partner Buy-Out

Partner buy-out loans are term loans to finance the equity buy-out of one or more partners exiting the business.

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Real Estate Loans

Commercial Mortgage loans are made to companies for the purpose of acquiring and sometimes refinancing owner occupied commercial real estate.

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HOW IT WORKS

A Clear, Proven Process

We present each SBA loan to multiple banks within our trusted lender network, creating competitive offers across rates and fees. This approach keeps lenders aligned, strengthens our negotiating position, and allows us to identify cost-saving opportunities clients may not otherwise see.

Get Qualified Today
  1. Apply
    Secure intake and initial assessment

  2. Prepare
    Documentation, structure, and positioning

  3. Execute
    Lender coordination and submission

  4. Fund
    Close with confidence

Principal & Founder

Ryan Smith is an SBA financing expert, advisor, and educator who has helped hundreds of business owners navigate loans with confidence.

Through ThinkSBA, Ryan combines execution, education, and real-world deal experience to support entrepreneurs nationwide.

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  • LinkedIn
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  • YouTube
  • Spotify
About Ryan

Resources

Latest Articles

Business Acquisition Success Begins With Self Awareness

How Life Insurance Supports an SBA Loan When There Is a Collateral Shortfall

Business Acquisitions and SBA Loans: Why Licensing, Certifications, and Operator Eligibility Matter More Than You Think

Ready to Move Forward?

Start your SBA application or explore resources designed to help you make informed decisions.

Get Your Free Estimate Today

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ThinkSBA

ThinkSBA is a nationwide SBA 504 and 7(a) loan brokerage specializing in sourcing capital quickly and efficiently for our clients.

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Company

  • (858) 997-1755

  • [email protected]

  • San Diego, CA
    No Drop-ins. By appointment only.

  • DRE #02082585

Learn

  • Business Acquisition
  • Franchise Acquisition
  • Partner Buy-Out
  • Real Estate Purchase

Resources

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  • Contact
  • FAQ

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