pricing and financing structures that match how small businesses actually operate. The current macro environment only reinforces this role. A weaker dollar raises input costs and pressures margins. Tariffs and supply chain realignments force operational changes. Labor dynamics continue to shift. These are not reasons to stop investing. They are reasons to invest with patience and structure. SBA lending provides both. For lenders, SBA loans create portfolio balance during volatile cycles. Guarantees reduce loss severity. Secondary market liquidity supports capital efficiency. Fee income adds consistency when traditional commercial pipelines slow. This is not theoretical. In past downturns, regions with active SBA lending recovered faster, maintained higher employment and preserved more small businesses through the cycle. For borrowers, SBA lending offers breathing room. Longer amortizations lower the monthly pressure. Working capital and refinance options stabilize balance sheets. Access to capital during uncertain periods allows owners to focus on operations rather than survival. That space is often the difference between endurance and failure. Confidence in a program does not come from slogans or headlines. It comes from repetition. From watching a system Confidence in a program does not come from slogans or headlines. It comes from repetition. 22318 Midland Drive • Shawnee, KS 66226 • NMLS #194708 YEARS 26 Local Partners, Shared Values, Stronger Communities We’re not a national giant – we’re your local wholesale lending partner. Together, we bring your customers the best of both worlds: • Fannie Mae Seller/Servicer • Government programs – FHA, VA, and USDA-GRH • Local expertise – We live and work in your community • Trusted partnership – Backed by 26 years of service • More options – Flexible lending without losing the personal touch Andrew Holtgraves Senior Vice President 913-558-2555 andrew@mischomeloans.com PARTNER WITH US perform its function across different political administrations, regulatory climates and economic regimes. SBA lending has done that work quietly for decades. At B:Side Capital, our confidence in the SBA is not abstract. It is earned through cycles. Through deals completed when sentiment was negative and liquidity was tight. Through partnerships with banks who understand that serving small businesses is not about timing the cycle but staying in the game long enough to matter. We are not blind to the noise. We simply refuse to let it dictate our posture. Crisis eras reward institutions that stay disciplined, boring and consistent while others chase novelty or freeze in fear. SBA lending is not flashy. It does not promise shortcuts. It offers structure, patience and continuity. In times like these, that is not a weakness. It is an advantage. 21 In Touch
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