What Every Business Owner Must Know About the 10% Equity Rule Starting June 1st

In this episode of The Investor’s Guide to Joy, Paul Graham sits down with business strategist Jimmy Rios to unpack major SBA rule changes coming June 1, 2025, and what they mean for business owners looking to sell, scale, or bulletproof their companies. From equity injection requirements to seller financing shifts and rollover equity guarantees, they explore how to navigate these updates, avoid common pitfalls, and even rethink selling altogether. Whether you're planning an exit or eyeing growth, this episode offers practical insights to help you build a stronger, more sellable business.

Highlights of the Podcast

00:01 - Introduction

01:56 - Equity Injection & Business Structuring

03:35 - The Right Kind of CPA

05:42 - Misalignment Between Present Actions & Future Goals

07:28 - Seller Notes & New SBA Rules

09:14 - Retirement Planning for Sellers

11:29 - Rollover Equity & SBA Loan Guarantees

13:01 - Valuation Misconceptions & Reality Check

16:20 - Alternatives to Selling – Growth via Fractional Executives

19:11 - Closing Thoughts

#BusinessExitStrategy #SBAUpdates #ScaleYourBusiness