AmiSights

The SBA just announced a new “Grocery Guarantee” program  aimed at boosting lending across the food supply chain and a new program to enhance loans to manufacturers . These are smart, targeted moves. By increasing guarantees, the SBA is making it easier for lenders to finance manufacturers, grocers, distributors, and producers. These are industries that actually need capital to expand. But let’s not overstate the impact. Even if this drives more lending, it will take years fo

I always caution borrowers that if it feels too good to be true, it usually is. I recently read on NPR about a business owner who took fast, easy capital to support her company. Within weeks, daily payments piled up. When she fell behind, her lender froze all of her accounts... no warning. What started as a lifeline became a shutdown. This is what happens when speed wins over structure. Webinars of the Week April 7 @ 12-1PM ET The 65% Exit: When Cofounder Conflict Turns into

I feel like I’m living in two different realities right now. At MultiFunding, things are working. Our pipeline is strong. Clients are moving forward. We’re growing. It feels like business as usual. And then I look up, and the world feels anything but normal. Friends in Israel have been running to bomb shelters. Team members in the Philippines are preparing for potential disruptions due to energy shortages. People I know in different parts of the world are suddenly thinking ab

AmiSights started in the middle of the chaos. During the pandemic, every day brought new PPP rules, new questions, and a lot of confusion. Business owners needed clarity—and fast—so we started writing. It wasn’t a strategy or a brand at the time. It was simply a way to keep our community informed and cut through the noise. When PPP faded, the writing didn’t. What began as real-time updates evolved into something broader—reflections on financing, leadership, growth, and the re

For the first time ever, more retail space is going to services than stores. Think fewer shopping bags… more Botox, boxing, and Pilates. According to the Wall Street Journal , Over 50% of retail space is now leased to service businesses—driven by a $2T+ wellness boom and the continued rise of e-commerce. What’s changing: • Consumers spend on how they feel , not what they own • The gym is the new “happy hour” • Landlords favor experience-driven tenants The takeaway: Retail isn

In this week’s edition of the AmiSights Podcast , we talk to Emeka Oguh . Emeka is the CEO of PeopleJoy , a company that helps HR leaders attract and retain top talent with turnkey student loan and education benefits. "Entrepreneurial success is driven more by mindset—passion, resilience, and vision—than by initial capital. My journey shows how strategic thinking and determination can overcome limited resources to achieve significant success." The three main topics of this ep

Search is shifting from keywords to conversations . According to a recent Wall Street Journal article , AI tools like ChatGPT don’t just rank websites—they pull from what people are saying about you across Reddit, reviews, and forums. Your digital reputation is now your visibility. Old SEO still matters, but it’s no longer enough. Winning now means: • Being talked about (not just optimized) • Providing clear, contextual content • Earning trust across the web The hard part? Yo

Most of what we worry about never actually happens. We replay conversations, predict worst-case scenarios, and convince ourselves we’re being productive—but most of it is just noise. There’s a saying: “Worrying works, because 90% of what I worry about never happens.” It feels true, but it’s backwards. Those things weren’t likely to happen anyway. Worry creates the illusion of control. It feels like action, but it isn’t. Focus on what’s real, what’s in front of you, and what y

A business owner called me last week, believing he was resolving his Economic Injury Disaster Loan. He wasn’t. It was already in collections—he just didn’t know. It’s a situation that is becoming more common than you might suspect. When business owners fall behind on their EIDL loans, they sometimes assume they’ll figure something out with the Small Business Administration—maybe buy some time, maybe work out a plan. And then one day, they’re no longer dealing with the SBA. Th