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Do Interest Rates Really Matter? | LoL #13

EPISODE · Sep 3, 2025 · 19 MIN

Do Interest Rates Really Matter? | LoL #13

from Lords of Lending · host Shane Pierson, Steph Dunn and Brian Congelliere

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 strategy01:00 - Know your balance sheet like a lender02:00 - Should I wait for cheaper money?03:00 - Interest rate-proof businesses and operating experience04:30 - The problem with startup loans06:00 - External factors vs. internal discipline07:00 - How much does a 25 basis point rate cut *really* save?08:30 - Why variable-rate SBA loans are future-proof10:00 - Who *shouldn’t* be borrowing right now?11:00 - Chase growth, not hype12:00 - The real cost of waiting to make a move14:00 - Are we overpaying for everything?15:00 - Why delay is the invisible killer of businesses16:00 - “Fail fast”: Testing decisions in real time17:00 - Don’t let $150 stop you—make the sale instead18:00 - Closing thoughts: Be ready, not reactiveQuestions or feedback? We'd love to hear from you.

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Do Interest Rates Really Matter? | LoL #13

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