Mackenzie Brown Found Her Business Breakthrough with FINSYNC’s CO.STARTERS Program

For many entrepreneurs, the hardest part isn’t deciding to start a business; it involves determining which idea is worth building.

Mackenzie Brown knows this all too well. In a recent interview, she shared how the FINSYNC program, hosted in partnership with the South Coast Development Council (SCDC), helped her shape one of her most meaningful ideas into a business.

Today, she is in the early stages of launching Skipper Feed, a company with a mission to transform low-value seafood byproducts, such as fish skins and bones, into nutritious animal feed and pet treats. It’s a business built on sustainability, community, and a deep respect for the ocean. And it may not have happened without the CO.STARTERS program, supported by SCDC and FINSYNC.

 

Finding Focus in a Sea of Ideas

Mackenzie’s path was not straightforward. Before Skipper Feed, she had tried a few different business concepts, including cooking classes, school garden programs, and local food events. She cared deeply about food systems, but the return on effort was not promising.

“I realized some of my early ideas were more effort than reward,” she said. “FINSYNC helped me sort through what was viable.”

That clarity became a turning point. The program, hosted by SCDC, gave Mackenzie a space to evaluate ideas honestly. It also helped her understand costs, margins, and how to communicate her value proposition in practical terms.

“The program helped me understand how to take an idea and make it real. I used to think I’d need a nonprofit to do something good. But FINSYNC showed me I could build a business model around impact.”

 

A Sustainable Dream

Skipper Feed did not begin as a business plan. It started with Mackenzie’s dog.

“My dog had itchy and dry skin,” she said. “Omega-3s from skins helped a lot. That got me thinking about what happens to the rest of the fish that isn’t sold?”

With a background in environmental studies and a strong interest in the blue economy, Mackenzie was aware that the fishing industry generated a significant amount of waste. In her region, fish heads, bones, and skins are often discarded or sold for pennies. Seeing an opportunity where others saw trash, she began developing a process to turn those byproducts into nutritious treats and food toppers.

“There’s value in what’s being thrown away,” she said. “We just need better systems to capture and use it.”

 

Mackenzie Brown with her dog near the beach

 

FINSYNC as a Compass

Mackenzie credits FINSYNC’s CO.STARTERS curriculum and the community surrounding it for providing her with the structure and confidence to move forward.

“The book is still on my desk,” she said. “It’s one of the clearest tools I’ve used. I refer to it all the time.”

She appreciated how the course made entrepreneurship feel accessible and approachable. For someone who had always considered herself more of an idea person, CO.STARTERS proved that those ideas could become something real with the right planning and support.

 

Barriers and Breakthroughs

Working within the fishing industry hasn’t been easy. The system offers little room for experimentation due to its slim profit margins and complicated politics, which hinder its progress. Mackenzie has built trust with fishermen and navigated slow-moving processes around waste use.

Still, she’s optimistic. She points to groups like Sea Coast Compost, which are using shells in soil products, as signs that things are changing. She is also engaged in broader industry efforts, including the 100% Fish House Bill and the formation of the Oregon Ocean Cluster, initiatives aimed at reducing fish waste and creating new economic opportunities through full utilization of seafood byproducts.

“There’s a growing interest in sustainability and circular systems,” she said. “People are starting to see value in the full catch.”

 

The Power of Partnership

The success of Skipper Feed is not just Mackenzie’s story. It is also a result of what happens when the right partners come together to support local entrepreneurs.

Through the combined efforts of SCDC and FINSYNC’s tools, like the AI Canvas and business plan generator, Mackenzie had access to training, guidance, and practical resources that made a difference.

She’s not alone. Across the country, FINSYNC programs are helping people in rural, Native, and underserved communities turn their ideas into action. And for Mackenzie, that action is just beginning.

“Skipper Feed wouldn’t exist without FINSYNC, the CO.STARTERS program, and the local support I received,” she said. “It gave me the confidence to go from idea to execution and the belief that I can do this.”

 

 

Fynn Moves Your Business Forward Faster 
Meet Fynn, your AI assistant, built to simplify business planning, funding, operations, and growth. With a fully connected Business Platform and Financial Network, Fynn helps you turn ideas into action, secure funding, streamline operations, and accelerate success.
From business planning to seamless execution and smarter financial connections, Fynn keeps everything and everyone in sync—so you can focus on what truly matters, in business and in life. 

How AI is Powering the Future of Business Funding

Running a small business used to mean navigating a maze of loan options, investment terms, and capital sources with little more than guesswork and Google. That chapter is over. Today, AI-driven platforms are transforming how entrepreneurs find funding by filtering out the noise, saving time, and making more effective matches with the right financial partner.

Here’s how technology is changing the game across four major funding fronts and how you can take advantage of it.

SBA-Preferred Lenders

The SBA loan process often moves slowly and feels unclear, making it challenging for small businesses to move forward with confidence. For years, it’s been a paperwork slog with confusing criteria and low success rates. 

Now, AI creates your business plan, compares it directly to your financials, and matches you with SBA-preferred lenders who are ready to fund based on accurate alignment.

That means less time guessing which forms to fill out and more time talking to the right person at the right bank. It connects you with someone who already sees you as a fit.

Relationship-Driven Bankers: Matching the Right Person, Not Just the Product

Good banking is about relationships, not transactions. But how do you find the banker who gets your business, your industry, and your goals? AI steps in and rewrites the rules.

Instead of sorting through thousands of bank profiles, platforms like FINSYNC analyze your business data and match you with local bankers whose products and teams align with your needs. 

Angel and Early-Stage Investors

Every founder with a big idea has asked, “How do I find an investor?” A better question might be, “How can the right investor find me?” Today’s AI tools not only refine your pitch and sharpen your plan, but they also connect you with investors who share your goals, values, and investment criteria.

Many business owners don’t consider turning to angel investors, but this is often a strong place to start, particularly when those investors are rooted in your community. Angel investors tend to back local founders and invest in businesses that make a lasting difference close to home.

The result is less cold pitching, more warm introductions, and a lot more capital flowing to startups with serious potential.

Alternative Capital Providers: When Banks Say No, AI Says Yes

Sometimes, traditional loans just don’t fit. Maybe your revenue is inconsistent. Perhaps you are looking for an immediate cash infusion. That’s where alternative capital providers come in, offering options from revenue-based financing to short-term working capital. The challenge has always been knowing where to look while steering clear of scams or predatory lenders that often show up in this space.

Today, platforms can evaluate your financials in real time and surface trusted, vetted options tailored to your business model, credit profile, and goals. You don’t have to settle. You can choose with confidence, thanks to the newly available technology now available in the market.

Where It All Comes Together

Currently, only one company is bringing together all four types of the above funding options in one place, powered by AI matching.

FINSYNC utilizes AI to help you create your business plan, syncs to your bank to retrieve real-time financial data, and provides a clear view of where you stand. Then, it recommends the best type of funding and connects you with the right person to make it happen. That could be an SBA lender, a local banker, an angel investor, or a trusted alternative provider.

And that’s just the funding. You also get payments, payroll, cash flow tools, and performance tracking, all working together in one integrated platform. Real intelligence with zero guesswork.

Get Ready to Find the Right Funding

Complete the form below to get matched with the best lenders and investors for your business. All powered by AI and backed by real results.

FINSYNC, WaFd, and IDRS Are Helping Native Entrepreneurs Thrive

Business ownership has long been part of life in tribal communities across the country. However, the systems that support Native entrepreneurs have not always been in place. For over 30 years, Indian Dispute Resolution Services (IDRS) has focused on promoting tribal sovereignty, community development, and self-sufficiency.

What began as a dispute resolution organization has grown into a vital source of entrepreneurship training. Their newest chapter features a promising partnership with FINSYNC and WaFd Bank, enabling Native American entrepreneurs to access the tools, knowledge, and financial services they need to build sustainable businesses.

This story centers on rebuilding trust, aligning economic development with local cultural values, and creating programs tailored to each community’s unique reality. It demonstrates a clear understanding of the challenges faced by tribal communities.

 

From Advocacy to Entrepreneurship

IDRS began by helping tribes navigate complex legal disputes, including negotiations over land and water rights with the federal government. As those needs changed, IDRS shifted its focus to economic development at the individual level.

Camille Koster, who leads IDRS’s entrepreneurship programs, has been a key voice in that evolution. “Helping people gain legal footing was important,” she explained. “But we also saw that real, lasting change comes when people have a path to support themselves and their families.”

That realization led IDRS to entrepreneurship. About 15 years ago, the organization began offering business training programs tailored for Native entrepreneurs and communities. Some tribes were starting to receive government funds and wanted to reinvest in their members. Others sought ways to create opportunities that aligned with traditional values and local resources.

 

Partnerships That Fill the Gaps

To support this vision, IDRS partnered with platforms such as Etsy and Airbnb, enabling participants to sell their goods and services online. Collaborating with GoDaddy enabled the team to offer free website development, making it easier for entrepreneurs to reach a wider audience.

But many of these new businesses lacked access to reliable banking or financial literacy support. That’s where the partnership with FINSYNC and WaFd Bank became essential.

“We saw a real need to help people not just start businesses, but manage them in a sustainable way,” Camille said. “That means knowing how to handle money, use banking tools, and track your business performance.”

The program combines practical financial education with digital tools from FINSYNC, including an AI-powered interface designed to help users manage cash flow, set financial goals, and prepare for growth. It also helps build confidence in banking systems, which have often been met with mistrust in Native communities.

“We can’t just hand someone a tool and expect it to work,” Camille said. “We need to walk with them through the process and show that it’s something that can actually help.”

 

Camille Koster and team with Indian Dispute Resolution Services

 

Training That Fits Real Life

IDRS adopted the FINSYNC Bootcamp program to replace outdated materials with a more flexible, peer-driven approach. The boot camp model teaches practical skills, including identifying a target market, calculating break-even points, and managing costs. These tools help participants make informed decisions about starting, growing, or adjusting their businesses.

Traditional programs often required internet access or used examples that didn’t reflect rural life. One participant realized she was underpricing her handmade goods and quickly adjusted. Another restructured his mobile repair business to reduce travel and increase profits.

“These programs help people take control,” Camille said. “They realize they don’t need to rely on outside jobs or wait for permission to succeed.”

 

Trust Comes First

IDRS only launches a program after building a local partnership, whether with a tribal council member, community center, or another trusted contact. These relationships ensure the training is both practical and respectful.

“There’s a long history of programs coming in and not following through,” Camille said. “We have to earn that trust, and we do that by showing up consistently and listening.”

That respect also guides how IDRS shares participant stories. Some individuals want to share their progress publicly, while others prefer to maintain their privacy. Each story is told with the consent and cultural awareness of the individuals involved.

 

A Strong Start in Fallon

IDRS, FINSYNC, and WaFd launched their first joint program in Fallon, Nevada. Participants received business training, financial tools, and support from WaFd Bank. WaFd’s Fallon branch, led by longtime banker Georgia Harvey, played a central role in the launch. Harvey introduced the program in person and offered one-on-one banking consultations to participants. It helped begin rebuilding trust in financial institutions, a challenge that many Native communities have faced for generations.  WaFd also provided giveaways during the in-person session and graduation gifts for those who completed both sessions.

Fallon was chosen as the starting point because the tribal community is located within the town itself rather than being separated by distance. The location made it easier to build relationships and test a collaborative model. Early results are promising, and the team is already planning the next round.

“We’re not trying to be everything to everyone,” Camille said. “We’re focused on the places where we can make the biggest difference.”

 

Building a Better Path Forward

Camille Koster is helping lead a partnership that goes beyond tools and training. Through her work with IDRS, alongside FINSYNC and WaFd Bank, she’s helping rebuild trust where it has been broken. This will open doors for Native entrepreneurs and support businesses that stay rooted in culture, values, and community priorities.

By combining education, tools, and deep community relationships, this work is helping to reshape what economic development looks like in Indian Country.

 

 

Fynn Moves Your Business Forward Faster 
Meet Fynn, your AI assistant, built to simplify business planning, funding, operations, and growth. With a fully connected Business Platform and Financial Network, Fynn helps you turn ideas into action, secure funding, streamline operations, and accelerate success.
From business planning to seamless execution and smarter financial connections, Fynn keeps everything and everyone in sync—so you can focus on what truly matters, in business and in life. 

How to Get an SBA Loan: A Complete Guide for Small Businesses

If you are like many small business owners, you have probably asked yourself how to access more funding. You may need capital to grow, purchase equipment, hire staff, or simply cover cash flow during a slow season. Traditional bank loans can be difficult to qualify for, especially if your business is still young or your credit history is not perfect. This is where an SBA loan can make a real difference. 

Backed by the U.S. Small Business Administration, SBA loans give your business better odds of approval and more manageable terms. They are explicitly designed to help small businesses succeed. However, the process can feel confusing without a clear plan.

This guide will help you understand what SBA loans are, how to qualify, and what steps to take to improve your chances of getting approved.

 

What Is an SBA Loan?

An SBA loan is a type of funding offered through banks, credit unions, or nonprofit lenders but guaranteed in part by the federal government. This guarantee lowers the risk for lenders, which can help you qualify even if you do not meet the requirements for a conventional loan.
There are three common types of SBA loans:

• SBA 7(a) Loan: This is the most popular option. It works well for general business needs, like working capital, equipment, or refinancing debt.

• SBA 504 Loan: This loan helps you purchase major fixed assets, such as commercial real estate or large equipment.

• SBA Microloan: This loan is ideal for new businesses or those with small-scale funding needs. Local nonprofit lenders often issue these loans, which range from $1,000 to $50,000.

Each type of loan serves a distinct purpose, so it is essential to select the one that aligns with your goals.

 

Why SBA Loans Work Well for Small Businesses

The SBA designed these loans for small business owners. They often offer better terms than traditional loans. You may qualify for lower down payments, longer repayment schedules, and competitive interest rates. Some lenders allow you to use SBA loans to refinance more expensive debt, which can ease pressure on your monthly budget.

The repayment periods are usually longer, which gives your business time to grow without straining your cash flow. Depending on the loan type, terms can extend up to 25 years for real estate loans or 10 years for working capital loans.

SBA loans also give you more flexibility in how you use the money. Whether you are opening a second location, upgrading your technology, or buying inventory, you can usually tailor the loan to your most pressing needs.

 

Common Challenges Business Owners Face

Many business owners are unsure of where to begin. The idea of gathering paperwork, working with a bank, and waiting for a decision can feel overwhelming. This is why new tools like FINSYNC’s AI Assistant, Fynn, are helping to change the process. 

SBA loans indeed take time and preparation, but now you no longer need to guess whether you qualify. Fynn analyzes your profile and provides matches that align with your needs, timeline, and stage of business, removing much of the confusion at the start.

 

young woman wearing apron selling artisan pastries in a bakery

 

Step-by-Step: How to Apply for an SBA Loan

1. Assess Your Readiness

Before applying, take an honest look at your business. Lenders want to see that your company has enough revenue to repay the loan. They also look at your personal and business credit scores, time in operation, and whether your business is in a stable industry.
Two years of business history is ideal, but there are exceptions. Even if your business is relatively new, you may still qualify for a microloan or find a lender that works with startups.

 

2. Choose the Right SBA Loan Program

Match the loan program to your purpose. Use a 504 loan if you are buying a building or equipment. Use a 7(a) loan for general business needs, such as processing payroll, ordering supplies, or funding marketing campaigns. If you are seeking a small amount, consider a microloan.
Choosing the right loan type helps lenders see that you understand your business needs.

 

3. Find an SBA-Approved Lender

You can use FINSYNC’s Funding Navigator to connect with SBA-approved lenders that match your business goals. The platform uses tools like Fynn to review your profile and offer personalized matches based on your needs, stage, and timeline. Instead of wasting time on lenders that may not be fit, you can clearly understand what investors are looking for and how to improve your chances before you submit your application.

You can also check with your local bank or credit union to see if they offer SBA loans. Community banks often have experience working with small businesses and may provide more personalized support throughout the process.

 

4. Prepare Your Application

This step takes the most time, but it is also where strong preparation can set you apart.

You will need:

• A business plan that shows how your business makes money and how the loan will help it grow

• A detailed explanation of how you plan to use the loan

• Profit and loss statements, balance sheets, and cash flow projections

• Tax returns for both the business and its owners (usually two or three years)

• A personal financial statement if you are a sole proprietor or have a major ownership stake

Being clear, organized, and realistic in your projections builds trust with your lender.

 

5. Understand the Underwriting Process

Once you submit your application, the lender will review your financials and make a decision. Because the SBA guarantees the loan, the lender also sends your file to the SBA for approval. This can take several weeks.

During this time, stay in contact with your lender and be prepared to respond promptly to any requests for additional information. Delays often happen when documents are missing or incomplete.

 

6. Get Approved and Accept Terms

If approved, you will receive a loan agreement outlining your interest rate, repayment schedule, and any additional terms. Review the agreement carefully. Some SBA loans require collateral, and specific lenders may charge additional fees. Make sure you understand the full cost.

Once you sign the agreement, the funds are disbursed according to the timeline set by your lender.

 

Tips to Improve Your Chances of Approval

• Work on your credit score ahead of time if needed

• Lower your current debt before applying

• Keep clean and up-to-date financial records

• Be clear about how the loan will help your business

• Meet with your lender early, even before you apply

Building a relationship with a lender makes a difference. FINSYNC’s tools can help you make that connection more strategically by showing you where you stand and which lenders are most likely to fund your business. If a lender understands your profile and sees alignment with their criteria, you increase your odds of approval.

 

Alternative Paths if You Do Not Qualify

If you do not currently qualify for an SBA loan, there are still options available.

You can:

• Apply for a microloan through a nonprofit intermediary

• Reach out to a Community Development Financial Institution (CDFI)

• Explore a business line of credit or a short-term loan

• Research revenue-based financing or peer-to-peer lending

• Connect with a local economic development agency for grant programs or other support

• Access CollectEarly on your open invoices with FINSYNC

Many businesses apply more than once before getting approved. Use the feedback from your lender to strengthen your next application.

 

Bottom Line

An SBA loan can be a smart way to finance your business and establish a solid financial foundation. It takes time, effort, and planning, but it is within reach. Start by understanding where your business stands today. Know your numbers, organize your documents, and select a loan that aligns with your goals.

You no longer have to navigate the process alone. AI tools like FINSYNC’s Fynn can help remove confusion, highlight where you qualify, and connect you with the right funding partner. With the right preparation and support, you can approach the SBA loan process with clarity and give your business a better path forward.

 

 

Fynn Moves Your Business Forward Faster 
Meet Fynn, your AI assistant, built to simplify business planning, funding, operations, and growth. With a fully connected Business Platform and Financial Network, Fynn helps you turn ideas into action, secure funding, streamline operations, and accelerate success.
From business planning to seamless execution and smarter financial connections, Fynn keeps everything and everyone in sync—so you can focus on what truly matters, in business and in life. 

Write a Smarter Business Plan with AI and Attract the Right Funding

If you are seeking funding to start or expand your business, a well-crafted business plan is your first step. It helps you clarify your ideas and gives funders the confidence to invest. Whether applying for a loan, pitching to investors, or going after a grant, your plan is essential. Match the format to your audience. It could be a one-page canvas, a five-page summary, or a detailed 60-page report with a slide deck.

 

Why Capital Is Hard to Get Without a Business Plan

Many business owners struggle to secure funding because their ideas aren’t clearly defined. Funders need more than passion. They want to understand the risks, your strategy, how you’ll utilize the money, and, most importantly, how to repay it on time. Without that clarity, they will move on. A strong plan shows you are prepared and serious.

 

What Investors and Lenders Look for in a Business Plan

A business plan demonstrates to funders that you are prepared. It outlines how your business works, what it needs, and why it is worth the investment. Here are the basics they expect:

 

  • Executive Summary: A one-page overview that includes what your business does, who it serves, how much funding you need, and what it is for.
  • Problem & Solution: What problem do you solve, and how does your approach work? Use real examples or research.
  • Market Opportunity: Who your customers are and how large your market is. Include local data if relevant.
  • Business Model: How you make money, your pricing, and your cost structure.
  • Marketing Plan: How you plan to reach and retain customers.
  • Team: Who is running the business, and what experience do they bring to the table?
  • Financials: Projections for the next 12–36 months, including expenses and revenue.
  • Funding Request: How much funding do you need, and how will you utilize it to drive growth?

 

Want help building a business plan that checks all the right boxes? You’re not alone. Let us know if this is something you’re interested in.

 

What Makes a Business Plan Stand Out

Some business plans take it a step further by sharing personal insights and demonstrating traction. Funders are often interested in your story. Explain why you started this business and what drives you to succeed. If you have already made sales or generated customer interest, include that information.

If your business serves a local community, explain how it benefits that area. Some lenders and grant programs prioritize economic development and community impact.

 

Two men working on Laptop

Two men working on Laptop

Matching the Plan to the Right Type of Capital

Different types of capital have different expectations. Your plan should reflect that.

  • Bank loans: Provide detailed financials and a repayment plan.
  • Angel investors: Show growth potential and a clear exit strategy.
  • Grants or Microloans: Highlight your community impact.
  • Crowdfunding: Share a strong story that motivates support.

 

Tools and Templates That Can Help

You do not need to start from scratch. FINSYNC’s Funding Navigator (see how it works) is a powerful resource that helps you build a clear, lender-ready business plan while also connecting you with funding opportunities that fit your business. It guides you step by step, making it easier to organize your information and strengthen your case for capital.

If you are still shaping your idea, FINSYNC’s Canvas and Business Plan creator help you refine it before building a full plan. You can also explore templates from the SBA or SCORE.

 

banks that FINSYNC matches to businesses

 

Your Business Plan Is More Than a Document

A strong business plan gives you direction and helps you avoid costly mistakes. More importantly, it shows that your business is ready for funding. A clear, thoughtful plan improves your chances of securing the capital you need.

 

You can revise your plan as things change. Successful entrepreneurs review and update their business plans every 6 to 12 months to reflect, adjust, and stay on track. Always match the plan to your next audience, even if that audience is just you.

How Entrepreneurs Navigate Business Loan Options with AI

In 2025, the Small Business Administration plans to provide over $55 billion in loan funding across all its programs. That may sound promising, but for many entrepreneurs, the path still feels like a maze. Between SBA loans, banks, and investor platforms, there’s no clear starting point. You fill out forms, wait, and end up more confused.

 

Why It’s So Hard to Get Approved for Funding

You may have already noticed this: there are too many choices but insufficient guidance. Bank loan? Angel Investing? Each option comes with its own rules, requirements, and timelines. And no one’s telling you which path fits your business.

Most platforms hand you a menu and say, “Pick one.” But what you really need is someone to help you understand which door to walk through and when. This is the point where most entrepreneurs get stuck. You are not failing. The system is failing you.

Use a Platform that Tells You Exactly How to Qualify for a Business Loan

Traditional capital tools expect you to know what you need. But most business owners are still figuring that out. You do not need a list of lenders. You need someone to tell you what you qualify for, what you need to fix, and what to do next.

Instead, you apply too early, get no response, and lose momentum. That’s how great businesses stall.

Meet Funding Navigator: Get Matched, Raise Capital, and Grow

Funding Navigator (see how it works) flips the script. You don’t start with forms or guesswork. You start with one smart profile. After answering a few simple questions about your business, Fynn, your AI Assistant, provides clear direction on which funding paths honestly fit your goals and stage. It is like having a financial coach in your corner from day one.

Whether you are thinking about an SBA loan, a bank line of credit, or raising investment capital, the system does not just show you what is possible. It shows you where you stand right now and how to move forward.

 

banks that FINSYNC matches to businesses

 

Think Like an Investor

You already work hard to run your business. You should not have to become a financial expert just to get funded. AI tools like Fynn take care of that for you. It reviews your profile, highlights your strengths and gaps, and provides you with steps to improve your funding readiness.

You get insights like:

  • Are you eligible for SBA funding?
  • What type of financial projections will be helpful?
  • What metrics will build confidence with an investor?

Fynn shows you what funders care about, so you can apply with confidence.

Why This Works

Most entrepreneurs drop off because they hit a wall. The process becomes confusing, and there is no one to guide it. Funding Navigator meets you where you are.

  • One Profile, All Options: You fill out one profile. That’s it. From there, Fynn navigates the path for you.
  • Built-In Expertise: You do not need to know the difference between a 7(a) loan and a revenue-based loan. Fynn does.
  • Real-Time Recommendations: If you’re not ready, Fynn shows how to get there.
  • Better Matches: You won’t get dumped into a list of 500 bankers and investors. You will see which ones fit your business.

 

Backed by a Trusted Financial Network

Funding Navigator is powered by a Financial Network built to support real business growth.  This network brings together SBA lenders, local banks, and community partners who are actively invested in helping businesses like yours move forward.

As you complete your profile, Fynn gets to work quietly in the background, sorting through the noise to surface funding options that align with your business goals. Fynn doesn’t just list options. It highlights the ones that fit your goals and move you forward.

When you’re ready, you step into the right opportunity backed by insights, not guesswork.

The Flywheel Effect:Plan Better, Operate Smarter, and Unlock More Funding.

FINSYNC goes beyond matching you with a lender or investor, it helps you build momentum.

We call it the Flywheel Effect: as you plan, operate, and track performance using FINSYNC, Fynn highlights your progress and fundability in real time.

As your plan improves, more opportunities surface, automatically:

  • More qualified matches over time
  • Access to more capital as you grow
  • A self-reinforcing cycle of success

The more you refine your plan and improve performance, the more funding opportunities open up, automatically.

Clarity Creates Momentum

You didn’t start your business to chase paperwork or second-guess every funding decision. You started it to build something meaningful.

Funding Navigator helps you confidently move forward by making funding decisions clearer, connections easier, and support more aligned to your goals.

Start your profile today and let Fynn turn uncertainty into progress.

A Rural Reinvention in Oregon Through Partnership and Purpose

In the rolling hills and rugged coastlines of Oregon, small towns often echo with creativity, grit, and untapped potential. But for many entrepreneurs in these areas, good ideas alone are not enough. The lack of mentorship, funding, and infrastructure creates barriers that too often turn dreams into dead ends. That’s where the story of the Foundry Collective begins. Through its Reinventing Rural initiative, in partnership with WaFd Bank and FINSYNC, the organization is helping bring new life to rural communities across the state.

The work happening in Oregon’s rural communities goes far beyond business growth. It builds local capacity, shifts mindsets, and demonstrates that innovation can thrive anywhere, not just in urban areas.

 

The Beginning of Reinventing Rural

The Foundry Collective is a nonprofit dedicated to supporting entrepreneurs and small business ecosystems in underserved communities across Oregon. One of its core areas of focus is Reinventing Rural, a program created to address the specific challenges of rural business development.

Brad Attig, CEO of the Foundry Collective, helped shape the direction of Reinventing Rural after years of working with Hatch Innovation, a Portland-based nonprofit focused on social entrepreneurship. When Hatch launched Hatchlab Baker to support rural entrepreneurship, it became clear that rural areas needed a more tailored approach. As the pandemic shifted priorities, Brad launched Foundry Collective to continue and expand that work, turning Reinventing Rural into a full initiative with statewide reach.

The mission was clear: close the rural resource gap by offering technical assistance, mentorship, and access to capital in communities often overlooked by traditional economic development programs.

 

recent graduate of reinventing rural

 

A Need for More Than Good Ideas

Rural entrepreneurs face a specific and stubborn set of challenges. “Lack of demand, lack of infrastructure, and isolation,” Brad explains. “It’s not that rural people aren’t innovative. It’s that the systems haven’t caught up to support that innovation.”

One of the biggest needs is access to a solid foundation: business education, mentorship, and tools. That is where the FINSYNC programs came in, thanks to Brad’s collaboration with Jose Alfaro. Misty Lambrecht, a business coach at Foundry Collective, helped bring the program to Oregon’s coast, making it more accessible to communities far from the usual support hubs. Soon, rural towns from La Grande to Baker City were seeing new energy and opportunity.

Still, for many of these businesses, a program alone was not enough. They needed the infrastructure to move from idea to income.

 

Power of Partnership: WaFd Bank Steps In

The real turning point came when WaFd Bank entered the picture. What started as an idea to host programs in bank branches evolved into a sponsorship model with even greater impact in the communities it was meant to serve. WaFd began funding local delivery partners such as Sisters Makers and EDCO so the cohorts could run independently with real financial backing and business banking support.

The impact was immediate. “Thanks to WaFd’s support, we nearly doubled the number of entrepreneurs we could reach in Oregon,” Brad says. The sponsorship helped cover the cost of materials, allowing participants to focus on building their businesses instead of worrying about fees.

WaFd’s involvement also provided entrepreneurs with free business checking accounts, a crucial yet simple step in legitimizing a business. With these accounts, startups began laying a more formal foundation and connecting with bankers earlier in their journey.

As Brad puts it, “It’s not just about the money. It’s about relationship-building and creating a sense of legitimacy for these rural entrepreneurs.”

 

recent graduate of reinventing rural

 

Building for the Long Haul

Sustainable impact is not just about one-time support. That is why Foundry Collective takes a long-term view. Their model includes developing local facilitators who can eventually lead future cohorts. “We want graduates to become mentors,” Brad says. “That way, the support stays rooted in the community.”

This approach is already taking hold. Misty notes that there have been 11 cohorts with direct WaFd connections. The organization is also collecting data on demographics, business types, and outcomes to help tell the story of what is working and where support is still needed.

Hannah Johnson, who leads marketing and storytelling at Foundry Collective, has been instrumental in sharing these stories through podcasts and Substack posts. These real-life profiles highlight not just the businesses but the people and purpose behind them. The stories resonate far beyond Oregon, showing what is possible when communities invest in themselves and when organizations like FINSYNC help amplify those efforts.

 

Believing in Rural Potential

This story is about believing in people who are often overlooked by traditional programs. It is about meeting them, listening, and helping them build businesses rooted in their values and communities.

When asked what keeps them going, the team at Foundry Collective does not hesitate. “We’ve seen firsthand what can happen when someone finally gets the support they need,” Brad says. “That spark of belief changes everything.”

With continued collaboration, storytelling, and investment, that spark is catching fire across Oregon.

And the best part? This is just the beginning.

 

 

Fynn Moves Your Business Forward Faster 
Meet Fynn, your AI assistant, built to simplify business planning, funding, operations, and growth. With a fully connected Business Platform and Financial Network, Fynn helps you turn ideas into action, secure funding, streamline operations, and accelerate success.
From business planning to seamless execution and smarter financial connections, Fynn keeps everything and everyone in sync—so you can focus on what truly matters, in business and in life. 

5 Essential Insights for Small Businesses Navigating SBA Loans in 2025

In 2025, securing the capital needed to fuel growth remains a critical hurdle for small businesses. According to recent data, nearly 40% of small business owners report difficulty accessing the necessary funds, hindering their ability to expand and innovate. This challenge persists despite the rise of alternative funding sources and the growing venture capital market. 

Securing traditional financing, particularly SBA loans, can be a complex and overwhelming process for many entrepreneurs. While SBA loans are a powerful resource, a deep understanding of how these loans work and how to navigate the application process is crucial for small business success.

 

What is an SBA Loan and Why is it Relevant Now?

The Small Business Administration (SBA) offers a variety of loan programs designed to provide financial relief to small businesses. These loans are backed by the government, which helps reduce the lender’s risk and offers small business owners more favorable terms. The key appeal of SBA loans lies in their lower interest rates, longer repayment periods, and flexible usage options.

For example, in 2024, SBA-backed loans reached $56 billion, an increase of 7% from the previous year, demonstrating small businesses’ growing reliance on this financing tool. SBA loans are available for various needs, including working capital, equipment purchase, and real estate acquisition. However, many entrepreneurs hesitate to take advantage of SBA loans despite these advantages. 

The complexity of the application process and misconceptions about eligibility often deter small business owners from pursuing these opportunities. According to recent surveys, while 43% of small businesses applied for some form of financing in 2023, many were rejected or faced significant challenges due to insufficient documentation or lack of preparation.

 

The SBA Application Process

One of the most significant barriers to SBA loan approval is the complexity of the application process. Entrepreneurs need to submit a range of financial documents, including tax returns, business plans, and financial statements, which can feel overwhelming, especially for new or under-resourced businesses. Moreover, the approval timeline can take weeks, which further discourages busy business owners.

For businesses that feel overwhelmed by the paperwork, partnering with financial service providers like FINSYNC can help streamline the application process. The platform’s Funding Navigator guides entrepreneurs through the process by ensuring their business plan and financials align with SBA loan requirements, ultimately improving their chances of approval. This type of service can be invaluable for small businesses lacking dedicated financial expertise.

 

How FINSYNC Helps Entrepreneurs Navigate the SBA Loan Landscape

While understanding the nuances of SBA loans is essential, having the right tools to manage finances and track business performance is just as important. FINSYNC puts everything into one place with its Funding Navigator, an AI Assistant, Fynn, that helps businesses build a funding profile, sync financials, and track key performance indicators. The platform also integrates accounting, payroll, and financial management, making it easier to monitor performance and stay on top of critical business metrics.

By syncing these financials and tracking progress in real-time, FINSYNC ensures businesses are always prepared for funding. This helps small business owners connect with SBA-approved lenders and secure capital when it is needed. The system also eliminates the need for cold outreach by matching businesses directly with investors and lenders through the FINSYNC Financial Network. With this structured approach to fundraising, small business owners can confidently raise capital and make informed decisions.

 

Conclusion

SBA loans are a powerful tool for small business growth, offering favorable terms and long-term benefits. However, successfully navigating the application process requires a strategic approach to managing finances and understanding financing options.

Platforms like FINSYNC simplify this by providing tools like the Funding Navigator, which helps businesses prepare, connect with the right lenders, and confidently secure funding. With the right resources, small business owners can unlock opportunities, drive growth, and succeed in today’s dynamic economy.

 

 

Fynn Moves Your Business Forward Faster 
Meet Fynn, your AI assistant, built to simplify business planning, funding, operations, and growth. With a fully connected Business Platform and Financial Network, Fynn helps you turn ideas into action, secure funding, streamline operations, and accelerate success.
From business planning to seamless execution and smarter financial connections, Fynn keeps everything and everyone in sync—so you can focus on what truly matters, in business and in life. 

Main Street vs. High-Growth Angel Investing: Connecting Capital with Community Impact

Angel investing takes many forms, but two common approaches stand out: high-growth investing and Main Street investing.

High-growth angel investing typically targets startups with the potential for rapid expansion and large-scale returns. These companies often aim to capture national or global markets, with exit strategies such as acquisitions or venture capital follow-on rounds driving investor interest.

Main Street angel investing, on the other hand, focuses on small, locally owned businesses. These are the restaurants, retailers, service providers, and makers that shape a community’s identity. They may not scale nationally, but they fuel the local economy by creating jobs, filling storefronts, and improving quality of life. For many investors, that kind of impact is just as important as financial return.

 

Investing in People and Places

What sets Main Street investing apart is the level of personal engagement that it offers. Local angel investors often contribute more than capital. They share experience, offer mentorship, and open doors to customers or collaborators. This kind of partnership can be transformational, not just for the business but also for the investor.

It is about more than returns. It is about building something lasting and meaningful, rooted in the place you call home.

 

How FINSYNC Helps Connect Investors with Local Businesses

FINSYNC’s Funding Navigator helps make this kind of investing easier and more effective. Entrepreneurs are guided by Fynn, our AI assistant, to create clear business plans and financial projections that show exactly what investors need to see.
Investors are introduced to opportunities that reflect what matters most to them, whether it is creating local impact, supporting a specific industry, or backing a business at the right stage of growth. Many of these opportunities are surfaced through FINSYNC’s trusted network of community organizations doing important work on the ground.

Better Matches. Stronger Communities. Lasting Results.

Main Street angel investing is not a second-tier strategy. For many investors, it is the most rewarding way to put capital to work. It offers a front-row seat to real progress and builds relationships that go beyond a portfolio.

If you are passionate about where you live and want to make a real, lasting impact, Main Street angel investing offers a powerful way to do that. It is an opportunity to help build the kind of community you are proud to be part of, one business, one relationship, one investment at a time.

 

Thumbnail of Jason Whitney

Jason Whitney is Executive Director of Investor Networks at FINSYNC and a passionate advocate for community-focused investing and entrepreneurship.

Success Stories from Great Bend Economic Development

We believe every community grows stronger when local entrepreneurs are set up to succeed. Great Bend Economic Development is leading the way by using its CO.STARTERS program, powered by FINSYNC, to help business owners move from idea to action with confidence.

By combining local leadership with FINSYNC’s tools, training, and financial connections, Great Bend is doing more than launching businesses. It is building long-term momentum for the entire community. The success of its most recent entrepreneur cohort shows what is possible when people come together with the right support.

 

Real People, Real Progress

This spring’s group brought together passionate entrepreneurs, each with their vision and a drive to turn it into something real. You could feel the energy growing from the first class to Celebration Night. Facilitators Jeremy and Regan helped guide the group with care, focus, and a strong understanding of how to move from idea to action. Their decision to return for the fall session speaks volumes about the value they bring.

 

Shot of a young woman using a digital tablet while working on a farm

 

Melissa’s Story: A Second Act in Business

Melissa Prosser, owner of Etched at 670, had worked with her husband on a business in the 1990s. With her children grown, she felt ready to start something of her own. The CO.STARTERS program gave her the tools and confidence to take her etching business seriously. She shared how different starting a business feels today compared to 30 years ago and how encouraged she felt by the experience.

 

Christina’s Story: From Home Kitchen to Local Favorite

Christina entered the program as a home baker with a dream. Throughout the sessions, she gained the clarity and courage to take a big step forward. She had open and honest conversations with her peers and facilitators about transitioning from a side hustle to a real business. That support and her growing confidence helped her partner with Mitchell’s Bakery. She bakes out of their kitchen, giving her more space to grow her offerings and maintain a healthier work-life balance.

 

Looking Ahead

Great Bend Economic Development continues to strengthen the local business community by supporting entrepreneurs through the CO.STARTERS program. Each new cohort brings more momentum, and the next session is already scheduled for September 3 to November 5, 2025.

FINSYNC is proud to support this work and help provide the tools and structure that make programs like this successful. We believe in the power of local partnerships and are honored to contribute to the growth of small businesses in Great Bend.

 

 

Fynn Moves Your Business Forward Faster 
Meet Fynn, your AI assistant, built to simplify business planning, funding, operations, and growth. With a fully connected Business Platform and Financial Network, Fynn helps you turn ideas into action, secure funding, streamline operations, and accelerate success.
From business planning to seamless execution and smarter financial connections, Fynn keeps everything and everyone in sync—so you can focus on what truly matters, in business and in life. 

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Before you get started

1

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At this time we are offering online business checking accounts through bank partners in these states:

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