PBL Consulting

08/26/2026

🏗️ ANOTHER INVESTOR DEAL IN MOTION towards closing!

Our investor client is moving forward on a ground-up construction project, with a lender structure offering approximately $56,000 back at closing toward eligible project costs PLUS $200,000 in construction funding through the draw/holdback process.

That’s approximately $256,000 in total financing structure to help move the project forward. 💰🏡

Real estate investing is bigger than buying properties. Knowing how to structure the deal, leverage the equity, present the project correctly, and secure the right capital matters. That’s what we do as lending BROKERS. We still waiting on 2 more offers!

This is what strategic funding looks like. We don’t just do SBA loans, lines of credit, and credit cards. We STRUCTURE real estate 🏡 INVESTMENT homes, new - builds, and properties.

🔑 📝 If you feel you have a great investment deal, bring it to us and we will see if we can make it possible.

08/19/2026

📢 IRS letter received by a new client for a required 2024 tax return that is already late.

They are actively mailing notices for missing prior-year returns and are starting even earlier now. They used to wait 3 years.

To be clear: the IRS already knows which returns you have not filed. Your employers and other income sources report your W-2s and 1099s directly to the IRS. Those documents are available through your IRS online account. They get them FIRST.

𝐖𝐚𝐢𝐭𝐢𝐧𝐠 𝐜𝐚𝐧 𝐜𝐚𝐮𝐬𝐞:

📄 Missing documents and more paperwork
💰 Higher tax-preparation fees, penalties, and interest
📬 An IRS-calculated tax bill that may not include every deduction or credit you qualify for
⏳ Fewer available and skilled preparers that can actually deal with your growing issue at hand
🧩 Fewer opportunities to properly plan and potentially reduce what you owe

The longer you wait, the more expensive and complicated it can become. If you have missing returns, NOW is the time to file them before the IRS makes the next move.

We are STILL filing taxes. TEXT “TAXES” to 7702020783 or call 📱.,

08/05/2026

💼 Your reported income doesn’t just affect your taxes. It can also impact:

💰 Social Security retirement benefits

It can also affect:
✔️ 🩺 Disability benefits if you’re unable to work
✔️ 👨‍👩‍👧‍👦 Survivor benefits for your spouse and children
✔️ 🏡 Mortgage approval amounts
✔️ 💳 Business and personal loan approvals
✔️ 📄 Your ability to verify income and build financial credibility

📈 The goal isn’t to pay more in taxes. It’s to use smart tax planning, maximize every legal deduction, and report your income strategically so you can protect your wealth today while securing more opportunities and benefits tomorrow.

💡 Smart tax planning builds wealth. It doesn’t erase your income on paper. So why aren’t you filing business taxes or filing them correctly? File your taxes with PBL Consulting today. Text “TAX” to 7702020783 if you need assistance with filing your business or personal taxes.

07/23/2026

🚨 It’s July, which means we’re officially halfway through the tax year.

Business owners, if you’re not setting aside money for taxes, now is the time to fix it.

Unlike employees, taxes usually are not automatically withheld from business income. That means the money sitting in your business account may not all belong to you.

If cash is tight, the real issue may be:

💰 Underpricing your services
📉 Low profit margins
💳 Too much business debt
🧾 Mixing personal and business expenses
📊 Not tracking your income and expenses
🏦 Spending tax money to cover operating costs

Yes, some business owners may still receive a refund because of dependents, tax credits, withholding from another job, or other tax factors. But a refund should never be your tax strategy.

Your tax return should also help you:

🏠 Buy a home or investment property
💳 Qualify for business funding or financing
📈 Grow your business with confidence

Who prepares your taxes matters.

A good tax strategy is about more than filing a return. It’s about legally minimizing your tax liability while also structuring your income to support your long-term goals, whether that’s buying real estate, qualifying for business funding, or growing your business.

📚 And don’t forget… bookkeeping is not the same as tax preparation.

If you’re not keeping accurate books throughout the year, where are your numbers coming from? Proper bookkeeping tracks your income, expenses, profit, payroll, and cash flow so your tax return is based on accurate financial records, not estimates or guesswork.

There is no point in owning a business if it can’t help you build wealth, purchase real estate, or qualify for funding.

Your business should do more than generate income. It should create opportunities.

07/21/2026

🚨 It’s July, which means we are officially halfway through the tax year.

If you are thinking about filing EXEMPT just to bring home more money, remember:

💡 Filing exempt is not a raise.

It may be a sign that your income is not keeping up with your bills, debt, or cost of living.

This may not be a major issue for people who consistently receive refunds because of tax credits or dependents, but receiving a refund every year does not automatically mean you qualify to file exempt.

Also, think ahead to tax season.

If your refund is reduced or you owe the IRS:

❌ Your tax preparation fee may not be able to come from your refund
❌ You may have to pay the fee upfront and out of pocket
❌ The tax fee does not decrease just because you are not receiving a refund

Instead of using exempt status as a temporary fix, consider:

💰 Increasing your income
📈 Asking for overtime or a raise
💼 Starting a legitimate side business
💳 Reducing debt and unnecessary expenses
🧾 Reviewing your withholding with a tax professional

Do not create a future tax problem to solve a current income problem.

07/09/2026

🚨 Let’s Clear Up the Confusion About SBA Loans! 🗣️. So many are misinformed.

𝙊𝙣𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙗𝙞𝙜𝙜𝙚𝙨𝙩 𝙢𝙞𝙨𝙘𝙤𝙣𝙘𝙚𝙥𝙩𝙞𝙤𝙣𝙨 𝙬𝙚 𝙝𝙚𝙖𝙧 𝙞𝙨, “𝙄 𝙣𝙚𝙚𝙙 𝙖𝙣 𝙎𝘽𝘼 𝙡𝙤𝙖𝙣.”

Here’s the truth… there isn’t just ONE SBA loan. 💡

The SBA offers multiple loan programs, and each one is designed for a different business purpose.

Also, all SBA lenders are 𝙉𝙊𝙏 the same. 🏦

The SBA does not lend the money directly. SBA loans are offered through approved lenders such as banks, credit unions, nonprofit lenders, CDCs, and approved non-bank lenders.

There are over 5,000 SBA-approved lenders across the United States, and each lender may have different requirements, credit expectations, industries they prefer, documentation rules, and risk tolerance.

So if one lender says no, that does not mean every SBA lender will say no.

The key is applying for the right SBA program with the right lender based on your business profile. 👇

💼 𝟏. 𝐒𝐁𝐀 𝟕(𝐚) 𝐋𝐨𝐚𝐧

𝙏𝙝𝙚 𝙢𝙤𝙨𝙩 𝙥𝙤𝙥𝙪𝙡𝙖𝙧 𝙎𝘽𝘼 𝙡𝙤𝙖𝙣.

Best for:
✅ Working capital
✅ Business expansion
✅ Equipment
✅ Inventory
✅ Hiring employees
✅ Refinancing eligible business debt
✅ Buying an existing business
✅ Owner occupied commercial real estate

💰 Loan Amount:
Up to $5 Million

📈 Typical Credit Score:
⭐ 680+ minimum
⭐ 700-720+ preferred

📄 Tax Returns:
Very important. Most lenders want 2 years of business and personal tax returns if the business has been operating that long. They use tax returns to verify income, cash flow, and repayment ability.

🏢 𝟐. 𝐒𝐁𝐀 𝟓𝟎𝟒 𝐋𝐨𝐚𝐧

Best for:
🏗 Commercial buildings
🏗 Land
🏗 New construction
🏗 Major renovations
🏗 Heavy equipment

💰 Financing:
Projects can exceed $5 Million, depending on the structure.

📈 Typical Credit Score:
⭐ 680+
⭐ 700+ preferred

📄 Tax Returns:
Extremely important. These loans are for larger long-term assets, so lenders usually want 2 years of business and personal tax returns, financial statements, and proof the business can support the debt.

⚡ 𝟑. 𝐒𝐁𝐀 𝐄𝐱𝐩𝐫𝐞𝐬𝐬 𝐋𝐨𝐚𝐧

Best for:
💵 Working capital
📦 Inventory
👷 Payroll
📈 Short-term business needs

💰 Loan Amount:
Usually lower than a traditional SBA 7(a) loan.

📈 Typical Credit Score:
⭐ 680+
⭐ 700+ preferred

📄 Tax Returns:
Often required if the business has operating history, but the documentation process may be more streamlined depending on the lender.

🌱 𝟒. 𝐒𝐁𝐀 𝐌𝐢𝐜𝐫𝐨𝐥𝐨𝐚𝐧

Best for:
🚀 Startups
💻 Equipment
📦 Inventory
🛠 Supplies
🪑 Furniture
💼 Small operating expenses

💰 Loan Amount:
Up to $50,000

📈 Typical Credit Score:
⭐ Often 620-680+
Requirements vary by lender.

📄 Tax Returns:
For startups, business tax returns may not exist yet. Lenders may focus more on the business plan, projections, personal financial history, and ability to repay.

🔄 𝟓. 𝐒𝐁𝐀 𝐂𝐀𝐏𝐋𝐢𝐧𝐞𝐬

Think of this as a business line of credit.

Best for:
💵 Cash flow
📦 Inventory
👷 Payroll
📅 Seasonal businesses
📄 Contract financing

📈 Typical Credit Score:
⭐ 680+
⭐ 700+ preferred

📄 Tax Returns:
Usually required, along with financial statements, because lenders need to see consistent revenue and repayment ability.

🌪 𝟔. 𝐒𝐁𝐀 𝐃𝐢𝐬𝐚𝐬𝐭𝐞𝐫 𝐋𝐨𝐚𝐧𝐬

Available after federally declared disasters.

Can help with:
🏢 Property damage
💰 Working capital
📉 Economic losses

📈 Credit Requirements:
Credit standards may be more flexible than traditional SBA loans, but applicants still need acceptable credit and repayment ability.

📄 Tax Returns:
Typically required to verify business operations and determine eligibility.

🆕 𝐍𝐞𝐰 𝐒𝐁𝐀 𝐔𝐩𝐝𝐚𝐭𝐞𝐬 𝐟𝐨𝐫 𝟐𝟎𝟐𝟔

🎉 Eligible businesses may now be able to combine qualifying SBA 7(a) and SBA 504 financing for up to $10 Million in total SBA funding for qualifying projects.

💳 The SBA is also expanding access to revolving working capital through the new 7(a) Working Capital Pilot Program, giving eligible businesses more flexibility for everyday operating expenses.

⭐ 𝙒𝙝𝙖𝙩 𝙎𝘽𝘼 𝙇𝙚𝙣𝙙𝙚𝙧𝙨 𝙍𝙚𝙖𝙡𝙡𝙮 𝙇𝙤𝙤𝙠 𝘼𝙩 t

Your credit score matters, but it is only one piece of the puzzle.

Lenders also review:
✔️ Personal credit
✔️ Business credit
✔️ Business bank deposits
✔️ Cash flow
✔️ Time in business
✔️ Tax returns
✔️ Profit & Loss Statements
✔️ Balance Sheets
✔️ Debt service coverage
✔️ Industry
✔️ Loan purpose
✔️ Ability to repay

💡 A great credit score does not guarantee approval if the tax returns and cash flow do not support the loan. Strategy is KEY 🔑.

And a strong business with healthy revenue may still have options even if the owner’s credit is not perfect.

07/06/2026

🚨 Trump Accounts are officially LIVE but most people still don't understand how they actually work.

Here are 5 common misconceptions I'm clearing up: ⬇️

1️⃣ They're NOT just for babies born after 2025.
Any eligible child under 18 can have a Trump Account. BUT, only kids born between Jan 1, 2025 and Dec 31, 2028 get the government's FREE $1,000 seed money. 💵

2️⃣ These are long-term retirement accounts at heart. 🏦
After age 18, the account generally follows traditional IRA rules with some exceptions for things like education expenses or a first-time home purchase. 🏡

3️⃣ The whole family can pitch in. 👨‍👩‍👧
Parents, grandparents, aunts, uncles ..anyone can contribute after-tax dollars. Employers can contribute too under separate rules. Just keep the total under the annual limit.

4️⃣ They are NOT completely tax-free. ⚠️
The money grows tax-deferred, but withdrawals or conversions can create taxable income depending on where the contributions came from and the gains.

5️⃣ The Roth conversion could be the biggest win. 🌟
After 18, many families may choose to convert to a Roth IRA. You may owe taxes on the taxable portion , but future qualified Roth growth? Tax-FREE. 📈

✅ ALREADY ELECTED DURING TAX SEASON? Here's what to do next: ⬇️

📧 If you signed your child up by filing IRS Form 4547 with your tax return, watch your inbox — the Treasury is sending activation emails in phases from [email protected].

📱 Follow the link in that email to finish setting up the account through the official Trump Accounts app (available in all major app stores) or the web version.

⚠️ SCAM ALERT: Only trust emails from the official Treasury address, and always type TrumpAccounts.gov directly into your browser..never click links from texts or emails you weren't expecting.

💰 Once your account is activated, the $1,000 seed deposit for eligible children and family contributions can start flowing in.

Trump Accounts provide eligible American children with tax-advantaged investment accounts courtesy of President Donald J. Trump.

07/02/2026

Here at PBL Consulting we take our marketing very seriously.

07/01/2026

Remaining $91,000 SBA LOAN FUNDED yesterday(it was split into 2 payments.

1st part used to pay OFF HIGH interest credit card 💳 ✔️

2nd half arrived yesterday in our client’s business account ✔️

FULLY FUNDED..like clockwork ⏰ .. on to several more this week and some other less intense funding projects.

This client also is being considered for MORE FUNDING TIERS. 😌✨it doesn’t stop here.



Explore our many funding options on our website:
www.pblconsulting.net

Text “Funding” to 770.202.0783
Call for info.

06/30/2026

Tax REFUNDS are still being approved and deposited. 💸 File your taxes, catch up on your taxes, correct/amend your taxes as well as needed.

Text “TAXES or your issue” to 7702020783