Shay Kleinschmidt knows SBA loans can feel complicated, with lots of paperwork. But he sees them as a roadmap to building a successful business. He points out that business plans and cash flow projections aren’t just for banks—they help you understand your business and learn how to run it well. SBA loans can take time, but staying organized and following the lender’s steps helps speed things up. For service businesses, it might take 30–60 days, and for physical stores, 60–120 days. Shay reminds
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