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Helping business owners liver their dream.

10/28/2026

You don't have to start a business from scratch to become a business owner.

With AI changing the workforce, experienced professionals may be thinking about what comes next. But many overlook an opportunity right in front of them: buying an existing business.

Think about it. You've spent 20 years working in an industry. You understand the customers, the operations, the employees, and what makes a business successful.
Why not consider owning one?

Buying an established business may give you an existing customer base, employees, revenue, and a track record. But one of the biggest questions people have is, "How would I pay for it?"

What many people don't realize is that financing may be available to purchase an existing business, including SBA loans. You don't necessarily need to have the entire purchase price sitting in the bank.

Of course, not every business qualifies for financing. The business's cash flow, purchase price, your experience, and available down payment all matter.

After more than 20 years in commercial lending, I've learned that understanding whether a transaction can be financed should happen before someone spends months pursuing it.

If you've ever thought about owning a business, perhaps it's time to explore what that opportunity could look like.

You can reach me at 512-358-1511.

Have a blessed day!

Karen Schimpf
📧 [email protected]
🔗 linkedin.com/in/karenschimpf
🌐 ApplyCommercialLoans.com
📞 512-358-1511

10/27/2026

A job can end. The experience you built doesn’t disappear.

After more than 20 years in banking, including time at Chase and Wells Fargo, I know how much of ourselves we put into our careers.

Yesterday, I wrote about businesses cutting staff as they adopt AI—and how we can take an active role in shaping what comes next.

For someone facing a career transition, that question becomes personal: “What comes next for me?”

Your knowledge, judgment, and relationships come with you. For some, those strengths lead to another role. For others, they may become the foundation for starting or buying a business.

You may understand an industry, know how to manage a team, or have spent years helping customers solve problems. Those are strengths worth considering as you explore business ownership.

An unexpected change can open a door we hadn’t considered.

What’s the best career move you made that you didn’t plan?

Karen Schimpf
📧 [email protected]
🔗 linkedin.com/in/karenschimpf
🌐 ApplyCommercialLoans.com
📞 512-358-1511

10/26/2026

Barclays to Cut 5,000 Jobs. Are We Prepared for What's Next?

British banking giant Barclays reportedly plans to eliminate approximately 5,000 jobs as it expands its use of artificial intelligence and automation. I spent over 20 years in banking, including time at Chase and Wells Fargo, so news like this hits close to home. None of us can assume the way we work today will be the same tomorrow.

I've been watching Myron Golden and Dr. Benjamin Hardy on YouTube, and both have inspired me to think differently about our future. We are creators of our future, not simply products of our circumstances. We have the ability to learn, adapt, and become someone different from who we are today.

Losing a job is difficult, especially when you've spent years building a career. But instead of focusing only on what AI might take away, what can we create with it?

For some, that means learning new skills. For others, it might mean finally taking that step toward starting or buying a business. Sometimes the changes we didn't choose become the reason we pursue opportunities we never considered.

If you or someone you know is thinking about buying, starting, or growing a business, give me a call at 512-358-1511. I start with the deal, not the lender, and I’d love to help you find the right path forward.

If this message resonates with you, I encourage you to watch "The Secret Psychology Of Accomplishing Anything" on YouTube. It's a great reminder to think beyond our current circumstances.

https://www.youtube.com/watch?v=4sAOFCyybnA&t=1s

Are you being a creator of the life you live, or are you letting your circumstances decide for you?

Have a blessed week!

Give us a call today to discuss your commercial finance needs or get started by filling out this form!

Karen Schimpf
Commercial Loan Advisor
512-358-1511
[email protected]
www.ApplyCommercialLoans.com

10/23/2026

Why are SBA loan approvals dropping when business owners still need financing?
SBA 7(a) loan approvals declined 28% by number of loans in fiscal year 2026. That's a significant drop.

Business owners still need financing to purchase businesses, expand, and create jobs. But getting a loan approved isn't always as straightforward as it used to be.
That's why I believe in starting with the deal, not the lender.

Are you seeing fewer business buyers, or are more deals having trouble qualifying for financing?

Have a blessed weekend!

Karen Schimpf
📧 [email protected]
🔗 linkedin.com/in/karenschimpf
🌐 ApplyCommercialLoans.com
📞 512-358-1511

10/22/2026

$179 billion in commercial real estate loans face refinancing risk through 2028, according to Newmark.

Even a fully occupied property may not qualify for the same loan amount it did five years ago. Higher rates can leave owners facing an unexpected cash shortfall.
Not all lenders evaluate properties the same way. That's why we start with the deal, not the lender.

Have a commercial property loan maturing in the next 12 to 24 months? Let's review your options before maturity becomes a problem.

Call me at 512-358-1511 to discuss your scenario.

10/21/2026

92% of Subcontractors Floated Payroll From Their Own Pockets

Your Trade Business Grosses $3 Million. Why Is Payroll Still a Scramble?

Your crews are booked, the invoices are out, and payroll is Friday. But your customers won’t pay for another 30 to 60 days. If your business is doing $2 million or more a year, growth can actually make this gap wider, because you pay for labor and materials long before your customers pay you.

Many owners assume that if the bank won’t increase their line, or their tax returns don’t show much profit after write offs, there’s nowhere else to turn. Not necessarily. Asset based lending looks first at what your customers already owe you. As your eligible invoices grow, your borrowing room can grow too. Invoice age, customer concentration, retainage and disputes affect what qualifies, and interest, fees and reporting all matter, so it isn’t the right fit for every business.

A good place to start is one honest question: is your credit line sized for the business you run today, or the one you ran three years ago? The answer may point you toward different financing, better billing practices, or a fresh conversation with your current bank.

If you own a trade business and payroll keeps landing before your customers pay, I’m always glad to talk it through. Call me at 512-358-1511.

What’s the longest you’ve waited to get paid on a finished job?

Have a blessed week!

Karen Schimpf | Commercial Capital Ltd.
Call 512-358-1511
You Know Your Business. We Know How Lenders Think.

10/20/2026

Just because a buyer agrees to your asking price doesn't mean the lender will finance it.

The SBA changed its lending guidelines on October 1.

For an initial business acquisition, the minimum debt service coverage increased from 1.15x to 1.25x. Qualifying business expansions remain at 1.15x.

What does this mean for sellers?

If your business doesn't generate enough cash flow to support the loan, the buyer may need more money down, the terms may need to change, or the deal could fall apart.

If you're thinking about selling your business, make sure your financials support your asking price before putting it on the market.

Start with the deal, not the lender.

Karen Schimpf
🔗 linkedin.com/in/karenschimpf
🌐 ApplyCommercialLoans.com
📞 512-358-1511

10/17/2026

JPMorgan Reports Loan Growth of About 10% as Big Banks Kick Off Earnings

Banks Are Lending More Than Ever. So Why Are Good Businesses Still Getting Turned Down?

JPMorgan reported this week that its loans grew approximately 10% compared with last year. Sounds like great news, right? But banks aren’t lending more because they opened the door wider. They’re lending more to the deals that already fit their box. If your deal doesn’t fit, all that lending growth is happening to someone else.

Don’t get me wrong, the big banks are good lenders. But if the deal has some hair on it, that is not the place to go. One year of cash flow on the tax returns, a 650 credit score, no cash left after the down payment, or no experience running that type of business, and it’s see you later. I recently had a borrower get denied by a big bank after six weeks. He came back to me and we got him approved at the exact terms on the LOI.

Before you chuck that transaction, send it my way. I review the deal first and send it to the right lender. If the deal can’t be done, I’ll tell you quickly and what it will take to fix it, so give me a call today at 512-358-1511.

If you’re buying a business, what matters most to you: getting approved fast, keeping cash in your pocket, or getting the lowest payment?

Address

2800 E Whitestone Boulevard, Ste 120
Cedar Park, TX
78613

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+15123581511

Website

http://ApplyCommercialLoans.com/

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