the person who cares will almost always beat the person who's just doing their job

Yesterday in Washington DC, I was at the harbor with prospective Pioneer clients. DEA agents were patrolling. No crime in sight. I’m all for safer streets, but what I saw was a case study in mismatched resource allocation: rows of $2–$6M yachts, a faint trace of marijuana in the

3 days of cucumbers from the Smith garden

Get outside today ☀️

Pizza Friday in Wisconsin Wanted to document this delicious pie for SMB Attorney

Working with a new bank as an SBA loan consultant can be daunting. The reputation of your firm is on the line every time you introduce a client to a lending partner. If the bank falters at any stage, the consequences are real: clients may lose tens of thousands of dollars in

One of the most troubling shifts I’m seeing in SBA lending is banks dismantling their in-house underwriting and closing operations and outsourcing these core functions. At first glance, it can look like a smart move—fewer internal salaries, less overhead, a leaner structure. But

Door County WI punches above its weight class

I was working with one of our newer lending partners at Pioneer Capital Advisory LLC This car showed up on the seller’s fixed asset list. The engine didn’t even crank but the bank insisted taking a lien on it. I’ll never understand some of these banks and their shenanigans

Future generations might believe this was Warren Buffett and Charlie Munger One’s laser-focused on chewing through undervalued grass, while the other is screaming timeless wisdom into a $2 Home Depot bucket

The best thing to do as a buyer if you don’t want to get taken advantage of by equity investors is to have as much money as possible for a down payment The person with the equity has the power. If you’re too heavily reliant on equity investors you can get taken for a ride

Exciting momentum continues at Pioneer Capital Advisory LLC with two recent SBA loan approvals for our clients over the last several weeks. We’re thrilled to share that: ✅ Truliant Federal Credit Union approved a $1.8MM SBA 7(a) loan supporting a business acquisition in the landscaping

Get outside today. Life isn’t meant to be spent indoors.

Excited to share that a Pioneer Capital Advisory LLC client received approval today for a creative financing package blending SBA and conventional lending. ✅ $5MM SBA 7(a) loan ✅ $3MM conventional facility ✅ Equity injection and seller support This approval supports a U.S.-based consumer

We are starting to work on non-SBA financing facilities that fall above SBA’s parri passu threshold at Pioneer Capital Advisory LLC If you are working on an acquisition in this space that has EBITDA exceeding $2 million, please reach out to myself at [email protected] and Pablo Redondo

There is a big difference between buying a business because someone pushed you into it and buying a business because you feel an unstoppable pull toward ownership SBA financing is not a gentle step into entrepreneurship. It is a leap. The outcomes are stark. On one side, you can