Do Interest Rates Really Matter? | LoL #13

Are high interest rates really stopping you from making your next business move? In this episode, Shane, Stephanie, and Brian unpack the myth of waiting for “cheaper money.” They break down what a 25 basis point rate cut actually means (hint: it’s probably less than you think), and why real entrepreneurs don’t let headlines dictate action. If you're considering an SBA loan or looking to grow your business in today’s market, this conversation is your wake-up call. Don’t wait—optimize your structure and move now.

📌 Timestamps:
00:00 - Why interest rates shouldn’t define your strategy
01:00 - Know your balance sheet like a lender
02:00 - Should I wait for cheaper money?
03:00 - Interest rate-proof businesses and operating experience
04:30 - The problem with startup loans
06:00 - External factors vs. internal discipline
07:00 - How much does a 25 basis point rate cut *really* save?
08:30 - Why variable-rate SBA loans are future-proof
10:00 - Who *shouldn’t* be borrowing right now?
11:00 - Chase growth, not hype
12:00 - The real cost of waiting to make a move
14:00 - Are we overpaying for everything?
15:00 - Why delay is the invisible killer of businesses
16:00 - “Fail fast”: Testing decisions in real time
17:00 - Don’t let $150 stop you—make the sale instead
18:00 - Closing thoughts: Be ready, not reactive

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