Curtis Small Business Finance Solutions, LLC dba Deb Curtis

In 2020, a dozen eggs cost $1.48. Today, they cost $5.50 at my local store. We need bold action to make America affordable again.

You're being sold to constantly. Everyone is in sales. When you hear terms from people claiming they're in a 'partnership,' 'joint venture,' or 'preferred vendor' with... And they tell you, "So and so will take good care of you." You're being sold. They want passive income from your purchases. They're after your wallet. It’s all a game. Change the game. Buy direct. Cut out the middleman. Be a strategic buyer. Buying is as strategic as selling. Let's return to genuine referrals, not cash-expectant deals.

Are secret cash incentives driving your SBA loan approval? Find out what some don’t want you to know in this edition of Dear Deb. #SBA #Entrepreneurship #SmallBusinessOwners

Employee buyout and how they sustain the American dream. Small Business Owners: it's a win-win for all. #SBA #Entrepreneurship #SmallBusinessOwnership

Helping a 17-year-old boy build a Million Dollar Company by 19! This young man could have easily used the $10k to buy a new mower and build the company at a "normal" pace. But he chose to build at a super fast pace. Using the $10k to buy out his competition was such a smart move, he did it again and bought out another competing company!

Ever consider? buying the small business? you've been managing for years? It's time to secure your future. Here's why? it could be a game-changer for you. ?? ?????????? ?????????? ???? ??????: With your deep company knowledge,? you should be first to buy it. ?? ?????????????????? ??????????: Going from manager to owner? boosts your salary? and brings ownership perks. ?? ?????????????????? ????????????????????????: Ownership comes with challenges.? I bet so did your management,? but you continued to succeed.? You're more than ready. ?????? ????????????????: ?? ??????????????????????????: Reap direct benefits? from the business profits. ?? ?????????? ????????????: Watch your assets grow as the business expands. ?? ?????? ??????????????????????: Your effective debt management will pay off. ?? ???????????? ????????????????: See your business investment's value rise. ?? ???????????????????? ???????? ????????: Secure steady income for reinvestment and growth. Imagine owning the company balance sheet. YOU, after all,? meticulously helped build it over the years. Now, take that next step.? Start the conversation with the owner today. If you don't,? every Tom, Dick, and Harry are already lining up to buy. Then what about your future? Imagine. ??

Your small business's secret weapon: (And it's not what you think) It's not your product It’s not your cash flow It’s not even your marketing It’s your people. But how do you keep the right people on your team? Give them voice Invest in their well-being Create a culture of growth Pay them what they're worth Offer perks that show you care If you're not doing this, someone else will.? Investors want to hire your top employees to buy out your competitors.? Plan people succession or lose your best.?

Beware of the hype around buying small businesses. Sellers, select brokers, and their SBA financier partners paint a rosy picture. It's a breeze," they claim. "A fantastic opportunity." They push you to buy fast. Sign the loan documents quickly. They all work together. Big incentive payouts wired to them the day your SBA loan funds. Then? They move on to the next buyer. More incentive payouts can be addicting. Wake up. You’re the one guaranteeing that SBA loan. They're not. What if things go south post-closing? If a key employee dislikes the new ownership, are you ready to take over? It happens. Not always, but it happens. Feel-good stories sell. Risk stories don’t. You have to take risks to earn rewards. Most won't talk about it. Work with professionals who speak the truth and tell you the risk.

Combining a seller note with an SBA loan to fund a small business purchase transaction isn't just about the buyer. It benefits the seller, too. Here are two benefits for both the buyer and seller: For the buyer: 1. More affordable financing:? Adding a seller note to an SBA loan can help reduce the upfront money a buyer needs to raise, making the overall transaction more affordable. 2. Improved chances of approval:? SBA loans can be difficult to secure on their own, but adding a seller note as an additional equity injection can help improve a buyer's approval chances. For the seller: 1. Potential tax advantages:? Deferred payment on the sale of the business can help spread out tax liabilities, providing financial benefits to sellers over time. 2. Ongoing income stream:? A seller note can provide a predictable and reliable income stream for the seller, as the buyer typically pays the note back over time with interest. Combining an SBA loan with a seller note uniquely benefits the buyer and seller. It's a win-win financing option worth exploring for anyone looking to buy or sell a small business. Follow or DM me to learn more.?? -Deb Curtis

Pro tip: Entrepreneurial success requires continuous learning! While Kaye Boehning was working on her CPA certification, she discovered a passion for teaching through her 18-month-old child. She decided to turn that passion into a business. When Kaye opened Tomorrow's Promise Montessori Schools in Huntsville, Texas, she reached out to her local Small Business Development Center, which helped her learn about how to hire employees and other important aspects of her business. Fast forward 24 years, and another learning curve came along: keeping her business afloat during the pandemic. Kaye persevered. With help from SBA funding programs, she was able to stabilize the business, maintain and hire new employees, and acquire a new bus for students. Kaye has since increased her enrollment and opened a second location! #WomenInBusiness #FridayMotivation #SmallBusinessBigDreams