<![CDATA[WHAT YOU BUILT]]> https://rss.com/podcasts/what-you-built How do owners decide what comes next for their business?

What You Built is a conversation for business owners and the experts who guide them. Each episode goes deep with one guest on the decisions owners face: growing, holding, transferring, or selling what they built. Fewer guests, chosen with care. Some episodes are Casey alone, on the decisions owners face and the clarity to make them.

For business owners in Boise, the Treasure Valley, and beyond.

]]> RSS.com 2026.721.95756 Wed, 22 Jul 2026 23:50:40 GMT en 4487c7e2-98ea-5af4-88f4-aaaa045c25c9 https://media.rss.com/what-you-built/podcast_cover_20260701_020718_b389d728cc4dac415290a5888fc44992.png WHAT YOU BUILT https://rss.com/podcasts/what-you-built no Silveria Wealth Group, LLC Casey Silveria, CEPA®, MBA Casey Silveria, CEPA®, MBA false episodic 1ff41620-8628-11f1-b0f9-016769f7d569 podcast Boise, Boise City, Ada County, Idaho, 83702, USA false <![CDATA[The Underwriter Never Meets You w/ Karen Appelgren]]> When a bank turns an owner down, the reflex is to blame the bank. Karen Appelgren has sat on the other side of that desk, and her read is different. The no is usually the business telling on itself.

Karen is Associate Region III Director and Senior Business Consultant at the Idaho Small Business Development Center. Before that she was a business banker who grew and managed a commercial portfolio of Idaho companies with revenues up to twenty million in annual sales. She knows what a business looks like from the outside, from the seat that decides whether it gets financed.

We get into why the numbers that keep your taxes low can cost you the loan, how to tell a relationship banker from a transactional one, and the question that separates the owner who is ready from the owner who is hoping. She also names the part nobody warns you about: the underwriter who approves or declines your loan never meets you. Your package is the only version of you in the room.

The work that makes a business fundable is the same work that makes it sellable, and it starts long before anyone asks for a business plan.

Chapters

  • 00:00 The no from the bank is the business talking about itself
  • 01:13 The real reason owners get turned down
  • 02:52 What to fix before you walk in: clean books, clean categories
  • 04:23 The tax number and the real number
  • 05:33 Relationship banker or transactional banker, and how to tell
  • 08:29 The owner who was ready and the owner who was hoping
  • 12:12 The handful of numbers you should be able to answer cold
  • 13:50 Fear, avoidance, and why owners wait until the runway is gone
  • 17:10 Seller readiness, cold feet, and the underwriter who never meets you
  • 20:45 The pre-flight checklist, and building a business that runs without you

Karen's Loan Package Checklist: the 18 items to gather before you meet a bank: Access it here

Karen Appelgren: https://www.linkedin.com/in/karenappelgren/

Idaho SBDC: https://idahosbdc.org

Silveria Wealth Group, LLC is a registered investment adviser with the State of Idaho. Registration does not imply a certain level of skill or training. This episode is for educational purposes and is not investment, tax, or legal advice. The views of guests are their own and do not represent an endorsement of Silveria Wealth Group, LLC or its services. Investing involves risk, including the potential loss of principal.

]]> https://rss.com/podcasts/what-you-built/2978134 7598077a-f6c2-42ec-a240-1bfdedc2eca5 1368 full Tue, 21 Jul 2026 15:31:54 GMT false false Boise, Boise City, Ada County, Idaho, 83702, USA United States, USA