Ryan Kroge, Small Business Finance

Ryan Kroge, Small Business Finance My mission is to provide a seamless and efficient experience that gets your business the capital it needs now!

09/30/2025

Major red flag becoming more prevalent in business sales

09/15/2025

SBA made rule changes that took us back to how things operated 20 years ago.

09/12/2025

The AI capabilities of our Parlay platform keep surprising me:
Borrowers upload their resume and documents. The system analyzes everything and creates detailed narratives like: "This person is requesting $2 million to acquire this business, and their background shows they're well-suited for this industry because of these specific qualifications."

I'm not tech-savvy enough to double-check the AI - I just open the analysis and think "wow, they figured all this out from a bunch of uploaded documents."

It's honestly scary how well the platform connects the dots and puts together comprehensive analysis instantly.

We're working on a broker platform next, which should make the process even smoother for everyone involved.

09/12/2025

First Internet Bank made a significant investment in AI technology that's revolutionizing our lending process.

09/11/2025

Why working with former bankers turned loan brokers makes such a difference.

09/10/2025

Ray explains why he brings me every deal first.

Direct communication builds loyalty. When you tell brokers the truth immediately, they bring you their best deals first.

09/10/2025

How networking events led to a lasting business partnership

09/07/2025

Ray and I both practice relationship banking instead of transactional lending.

Most people in our industry close deals and move on. They never talk to that person again.
I operate differently. Ninety percent of the time after I close a deal, I talk to clients within 6-12 months and maintain contact beyond that. This relationship approach generates follow-up business.

I've done multiple transactions where borrowers call a year later saying "I want to do another location" or "I'm thinking about buying this property now."

Ray makes this partnership work perfectly. He gets very involved upfront - gathering information, getting things rolling, making introductions. Then he sits back and lets me do my thing.

When deals go sideways and I can't reach sellers or borrowers stop responding to requests, I call Ray to "shake the tree." Usually within 24 hours, I get responses.

Having an advocate like Ray makes difficult transactions manageable

09/06/2025

Former lender explains why he left banking.

09/06/2025

Commercial real estate market update from the lending trenches:

Seeing significantly more investment real estate activity than we had before. Multifamily properties and retail plazas are attracting investors who want to park their money in stable assets.

The market went scary soft during COVID. We all thought it would just plateau or slowly trickle off, but instead we're witnessing a real uptick in commercial real estate acquisitions.

This suggests the market may be back and could represent a good opportunity to diversify into commercial real estate before prices climb higher.

The smart money is already moving. Are you positioned to take advantage?

Address

800 W. University Drive, STE B
Rochester, MI
48307

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