In this episode, Shane Pierson, Stephanie Dunn, and Brian Congelliere share their backstories, career pivots, and what drives them. From courtroom exits to cold calls and The Apprentice, get to know the Lords of Lending on a personal level.

📌 Timestamps:
01:00 – Intro & Episode Overview
02:06 – Why This Episode Matters: Get to Know the Hosts
04:56 – Stephanie’s Origin Story: From Hotels to SBA Lending
09:56 – Brian’s Journey: Law School, Real Estate, & Breaking Out
15:38 – Shane’s Story: Sales, Setbacks & Starting Over
20:32 – How the Trio Met & Formed the “Lords of Lending”
25:39 – Sports, Coaching & Building a Winning Team
31:25 – What We Geek Out On (Inside & Outside of Work)
41:42 – Defining Legacy, Regret & the Drive to Build Something Bigger
48:46 – Career Left Turns That Changed Everything
55:57 – Stephanie’s Wild Ride: From SBA to The Apprentice
57:55 – Final Reflections: Why This Podcast Exists
59:30 – What Makes Us Good at This? Each Host Weighs In

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The SBA just dropped a new SOP—and it’s shaking up how small business loans work. Shane, Stephanie, and Brian break down what’s changing, what’s broken, and how buyers and lenders can adapt. From seller carries to guarantee requirements, this episode is packed with real talk and strategy.

📌 Timestamps:
01:00 – Intro & Overview of SBA SOP 50 10 8
02:25 – What Changed and Why It Matters
04:04 – New Down Payment & Injection Rules
08:30 – Seller Carryback Standby Terms Explained
13:16 – Full Guarantees for Minority Owners
18:00 – End of GP Submissions for PLP Lenders
23:17 – How Banks Will Respond to Increased Risk
28:25 – Why SBA Is Eliminating MCA Refinance Options
34:05 – The Bigger Impact on Borrowers & Business Owners
41:01 – Feedback Loops, Policy Blind Spots & Final Thoughts
49:00 – Wrap-Up & Call for Audience Feedback

Questions or feedback? We'd love to hear from you.

In this episode of Broke or Billionaire by 2030, hosts Shane Pierson, Stephanie Dunn, and Brian Congelliere dive into the mindset, strategies, and financial habits that separate those who struggle from those who thrive. Whether you're aiming for financial freedom or just want to make smarter money moves, this conversation is packed with insights to shift your trajectory.

📌 Timestamps:
01:00 - Intro & Welcome
01:28 - The Current Loan Market Surge
03:30 - Buying a Business
05:53 - The Future Ready Seller
06:28 - Identify Successful Business
08:44 - AI Tools
14:00 - The Silver Tsunami
18:02 - Leveraging the Data
20:16 - The Falling Behind Business Owner
24:10 - Getting Your Head in the Right Space
27:02 - How to Adapt Your Sales Approach
29:18 - Shane is Relatively Wide
31:03 - Women’s Influence on Sales
33:10 - Banks on the Way Out
34:40 - Closing Thoughts

Questions or feedback? We'd love to hear from you.