On July 4th, 2026, a rule will change that lets you do something you literally could not do before: borrow to buy your business AND the building it operates in, with the government standing behind both loans.
In this episode, Mikey Taylor and Michael Michalov break down the two SBA programs. Every business owner should understand the 7(a) and the 504 in plain English, without the lending jargon. They cover why the $5M cap just decoupled (giving you twice the borrowing power), how the 504 lets you put just 10% down on owner-occupied real estate, and the new Made in America Loan Guarantee that takes 90% of the risk off your bank's table if you make a physical product.
This is the Commune lens on leverage: the same programs the biggest builders use are sitting in front of the small business owner who simply never knew they existed.
What we cover: • The two SBA programs and what each one is actually for • Why the July 4th decoupling doubles your real borrowing power • The 10% down structure most people get wrong on the 504 • Owning vs. renting the building you operate in • The Made in America guarantee and who qualifies • How to underwrite a deal as if the government backing didn't exist
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