Community First Bank's Chief Commercial Banking Officer, Jonathon Malin, breaks down how SBA loans work, why they're a game-changer for startups without proven cash flow, and how local, relationship-driven banking differs from big regional banks. He also digs into Kokomo's downtown growth, the psychology of taking on business debt, and the advice he gives entrepreneurs before they ever walk into a bank.

02:44 – Jonathan's Path: From Part-Time Teller to Bank Exec

03:48 – Why He Loves Working with Small Businesses

05:28 – Local vs. Regional Banks: What Makes Community First Different

06:23 – What a Successful Loan Application Actually Looks Like

07:10 – Sponsor Break: Fraud Prevention Tips for Business Owners

08:42 – Biggest Misconceptions About SBA Loans

10:26 – Conventional Loans vs. SBA Loans Explained

12:40 – Advice Before Walking Into the Bank

17:27 – Kokomo's Hotel & Convention Center Opportunity

19:30 – Is Taking on Business Debt a Bad Idea?

21:10 – How the Economy & SBA Lending Have Changed in 11 Years

24:00 – Behind the Scenes of the Redevelopment Commission

27:52 – "Green Flags" Jonathan Looks for in Business Owners

41:04 – Letting Go of Control & Building the Right Team

45:48 – Loan Regrets, Red Flags & Predatory Online Lenders

Stay Connected:

Follow us on Instagram: https://www.instagram.com/vision___studio_/

Follow us on Instagram: https://www.instagram.com/cfbindiana/

Follow & Subscribe to Community First Bank of Indiana: @CFBindiana

Disclaimer: The views expressed in this podcast are those of the guests and do not reflect our official policy. Content is based on guest opinions and is not intended to offend or harm any group or individual. Always seek professional advice for legal, financial, or business matters.