Latest POSTs
How Is The Chaos in Washington Affecting the SBA?

There's a lot of confusion about what's happening in Washington. Here's what I think it means for the SBA.

Some Things Just Cannot Be Measured

This year, we are going to invest in employee-training programs. It’s an important initiative, but tracking its results, and its ROI, would be difficult.

Some Business Owners Have Disdain for the SBA

But the problems they see are not always caused by the SBA.

How Would You Finance a Buyout of Your Partner?

One of my clients has a tough decision to make: Is he willing to use his home as collateral?

I Can’t Wait for This Year to End

But we did learn some important things, and I’m optimistic that 2025 will be better.

Never miss a 21 Hats Podcast episode
The SBA’s New Leader Will Face Real Challenges

Defaults on Covid-era lending have left a cloud hanging over the agency. Can it learn from its mistakes without forfeiting its mission?

Don’t Let Your Bank Take Advantage of You

I was surprised to learn how many business owners leave money on the table when dealing with their bank.

The Art of Picking The Right SBA Lender

The top 100 SBA lenders are far from interchangeable. They come in many different shapes, sizes, and competencies. And they also come and go.

21 Hats Live: We're Going to Ann Arbor!

We will have peer-group conversations on the issues you want to discuss. We will tour local businesses. We will eat good food. We will build relationships. And we’ll leave inspired.

The 21 Hats Marketing Workshop Returns

This is a very unusual opportunity to participate in a collaborative workshop with fellow business owners led by someone with real expertise. Everyone leaves with a real strategic plan tailored specifically to their own business. Guaranteed!

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