How to Get a Business Loan (When Banks Say No) with Kumal Bhasin

S6:E38 Access to capital isn't just a financial decision. It's a strategic one - albeit increasingly confusing. In this episode, Dr. LL sits down with Kunal Bhasin to explore how the lending landscape has evolved—and why many small business owners struggle to navigate it effectively. If people don't trust the process, they hesitate. If they don't understand their options, they default to urgency. If decisions are made under pressure, long-term stability suffers. Kunal brings a grounded perspective on how marketplaces create optionality, how lenders actually evaluate risk, and why transparency is becoming a defining differentiator in financial services. Guest Kunal Bhasin Founder of OneWest Core Problems Lack of transparency in lending decisions Overreliance on traditional banks Confusion around loan structures and tradeoffs Emotional decision-making under financial pressure Practical Takeaways Capital should expand opportunity—not delay failure Multiple options improve decision quality Transparency builds long-term financial trust The lowest rate isn't always the best decision Timestamps 00:00 Introduction 03:00 Evolution of lending 07:00 Marketplace dynamics 13:00 Meaning of capital 20:00 Borrowing decisions 26:00 Defining success Who This Episode Is For Entrepreneurs and operators seeking a clearer, more grounded approach to financing decisions. This conversation reinforces a key STEERus™ principle: Clarity drives better decisions especially when stakes are high. Subscribe and share if this resonates. ✅ Subscribe for weekly conversations on entrepreneurship 🔁 Share this episode with someone who needs to be heard Follow STEERus on social media: YouTube: https://www.youtube.com/@DrLLSmallBusiness Instagram: https://instagram.com/steerus LinkedIn: https://www.linkedin.com/company/steerus Twitter: https://x.com/steerus_io   #finance #loan #entrepreneur #smallbusiness