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Three Days, 30 Owners, Real Conversations

The fourth annual 21 Hats Live will take place in Cincinnati in May. It's a rare opportunity to connect with other owners who understand what it takes to build a business.

What Was I Thinking When I Signed the Lease?

Right in the middle of Covid, I took the space for five years. It’s worked out—but not in the way I expected.

The Simple Numbers 100 Shows a Divided Economy

The model, which tracks a diverse set of entrepreneurial businesses, indicates companies with less than $10 million in revenue are growing at less than 1 percent a year.

Calm Isn’t Pretending That Everything’s Fine

After years of reacting to every crisis with panic, I’ve learned that calm — and grit — are the real marks of leadership.

Introducing the Simple Numbers 100

CRI Simple Numbers is partnering with 21 Hats to bring you analysis of the economy that business owners actually confront, bridging the gap between Wall Street headlines and Main Street reality.

Never miss a 21 Hats Podcast episode
AI Has Already Transformed Our Business

It’s made us faster, smarter, and more curious. But so far, we’ve been taking the easy, safe, inexpensive steps. Now it gets more complicated.

When the Government Shuts Down, So Does SBA Lending

A small business owner trying to buy equipment, refinance debt, or expand operations suddenly can’t move forward. Sellers waiting for deals to close are left hanging. 

Would You Risk Your Home to Save Your Business?

A business owner confronts an excruciating choice between doing what’s right for his business and what’s right for his marriage.

The SBA’s Playbook for Business Acquisitions

From zero-down financing to 10-year repayment terms, here’s how to make the agency’s rules work in your favor.

Why the Manufacturing Credit Is More Talk Than Traction

The SBA’s latest announcements look good on paper, but the agency has yet to deliver bottom-line results

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