What does a commercial banker learn when a loan goes wrong? For Greg Carlisle, one real estate deal involving 65 families changed the way he saw banking, risk, and responsibility.In this episode of Hidden Foundations, Kendall is joined by Greg Carlisle, a TD Bank leader in New Jersey, to explore the human side of business loans, commercial banking, financial literacy, and leadership. Greg breaks down why cash flow is king, why many startups struggle to get approved for capital, and why showing losses to avoid taxes can hurt a business when it needs funding.The conversation also goes deeper into Greg’s childhood in Philadelphia, where his father’s health issues, family pressure, and financial uncertainty shaped his grit. Greg reflects on caregiving, survival, mentorship, responsible lending, parenting, college debt, and why families need to teach money before the world teaches it the hard way.Chapters:00:00 Cold Open: Irresponsible Lending Impacts Lives00:47 Meet Greg Carlisle04:02 How Banks Decide Who Gets Capital06:27 Clean Books, Taxes, and Business Growth13:51 Why Borrowers Get Different Loan Terms25:04 The Family Risk Lesson Behind a Passed Deal30:08 The 65 Families That Changed Him50:41 Parenting, College Debt, and Financial LiteracyHidden Foundations is a weekly podcast hosted by entrepreneur and investor Kendall Schoenrock, examining how family systems, early adversity, and childhood dynamics quietly shape high-performing adults. Each conversation uncovers the “invisible wiring” behind resilience, ambition, leadership, and grit — told through candid stories from entrepreneurs, athletes, creators, and leaders.Guided by the thesis that strength is forged early at home, the show uses a consistent framework to explore emotional environments, money narratives, family roles, conflict patterns, and early challenges. Every episode delivers at least one practical, repeatable insight for parents, leaders, and anyone seeking to understand how greatness is built long before it’s visible.Subscribe to Our Newsletter: https://hiddenfoundations.com/#newsletterLearn more or connect with Kendall:Website: https://kendallschoenrock.com/LinkedIn: https://www.linkedin.com/in/schoenrock/SilverRock Ventures: https://silverrockventures.com/about-us/YouTube: youtube.com/@HiddenFoundationsPodSpotify: https://open.spotify.com/show/6VKN6BBbuVxNDl4zKh4E3O?si=0c56c9aebfaf402eApple Podcasts: https://podcasts.apple.com/us/podcast/hidden-foundations/id1895154229#HiddenFoundations #GregCarlisle #FinancialLiteracy