Navigating the Post-ZIRP Credit Landscape: Market Analysis, Regulatory Frameworks, and Strategic Capital Access.
Capital discipline in a high-rate environment.
The American small business lending environment of late 2025 operates under a fundamentally different paradigm. We have exited the era of Zero Interest Rate Policy (ZIRP), entering a regime where the cost of funds exerts a tangible pull on business expansion.
With the Prime Rate anchored at 7.00%, the baseline for floating-rate commercial debt has reset. However, opportunities exist: the SBA has deployed aggressive fiscal countermeasures for Fiscal Year 2025, including the total elimination of upfront guaranty fees for loans under $1 million.
Deep dives into specific lending strategies and programs.
The engine of Main Street lending. Learn about the new fee waivers, interest rate ceilings, and how to leverage the "Credit Elsewhere" test.
Strategic asset acquisition. Why the inverted yield curve makes long-term fixed rates (sub-6%) the smartest play for real estate.
Fintech, MCAs, and Factoring. Understand the speed vs. cost trade-off and the new disclosure laws in NY and CA.
The Underwriting Gauntlet. FICO SBSS scores, DSCR requirements (1.25x), and the documentation you need to have ready.
Navigating the Post-ZIRP Credit Landscape: Market Analysis, Regulatory Frameworks, and Strategic Capital Access.
Capital discipline in a high-rate environment.
The American small business lending environment of late 2025 operates under a fundamentally different paradigm. We have exited the era of Zero Interest Rate Policy (ZIRP), entering a regime where the cost of funds exerts a tangible pull on business expansion.
With the Prime Rate anchored at 7.00%, the baseline for floating-rate commercial debt has reset. However, opportunities exist: the SBA has deployed aggressive fiscal countermeasures for Fiscal Year 2025, including the total elimination of upfront guaranty fees for loans under $1 million.
Deep dives into specific lending strategies and programs.
The engine of Main Street lending. Learn about the new fee waivers, interest rate ceilings, and how to leverage the "Credit Elsewhere" test.
Strategic asset acquisition. Why the inverted yield curve makes long-term fixed rates (sub-6%) the smartest play for real estate.
Fintech, MCAs, and Factoring. Understand the speed vs. cost trade-off and the new disclosure laws in NY and CA.
The Underwriting Gauntlet. FICO SBSS scores, DSCR requirements (1.25x), and the documentation you need to have ready.