The Model Has Changed feat. Brian Carlson, Chris Kwiatkowski, & Mike Breckheimer | Ep. 178

This week on The Art of SBA Lending, we're confronting the hard truth: the traditional SBA lending model no longer works. Rising overhead, margin compression, and tighter audits have flipped the economics, and now, shops across the country are closing or scrambling to restructure. So what’s the new model? And how do you scale without losing control? Ray Drew is joined by three SBA leaders navigating this shift in real time. Mike Breckheimer, Brian Carlson, and Chris Kwiatkowski are coming together to unpack the numbers, the pitfalls, and the path forward. 🎯 In this episode: ➡️ Why SBA shops under $100MM are being forced to adapt or exit ➡️ How the LSP model is evolving (and where it still falls short) ➡️ The new math of SBA lending: headcount, volume, and cost per deal ➡️ Scaling smart with culture, compliance, and contingency planning ➡️ The role of AI, tariffs, and talent in shaping tomorrow’s strategy 💬 The SBA world is changing fast: are you adjusting with it? Listen now and let us know how your model is holding up. 🎙This episode is sponsored by: Lumos Lumos empowers your small business lending growth with cutting-edge analytics and streamlined applications that optimize your performance. If you're ready to take your small business lending to the next level with cutting edge analytics visit lumosdata.com. Shatterbox Learn how Shatterbox can help you hire and invest in bright young talent without breaking the bank. Go to https://shatterbox.io/artofsba and set up a discovery call today. SBA Jobs Board Hiring for your SBA department? We’ve got you covered! The SBA Jobs Board is here to bridge the gap between you and top SBA talent. Our Art of SBA Lending audience is packed with experts ready for their next career move. List your openings with us to connect with the best in the industry and find the right fit for your team. Live now on our new Art of SBA Website | https://www.artofsba.com/job-board Loving The Art of SBA Lending episodes? Make sure to follow along with our sister shows, The BDO Show and SBA Today, each week with the links below!    / @thebdoshow      / @sbatoday   Head to http://www.artofsba.com for more information and to sign up for our must-read monthly newsletter to stay up to date with The Art of SBA Lending.