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Then & Now: The Evolution of SMB Lending 10 Years After the Financial Crisis

  • Broadcast in Business
Diane Helbig

Diane Helbig


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The average small business loan through the SBA’s bank-funded 7(a) loan program is nearly $420,000, and the ROI of issuing smaller loans has yet to be proven to big banks. Thus, they do so in less frequency, which puts a roadblock in SMB access to financing and business growth. Darrell Esch, Vice President and General Manager of SMB Lending at PayPal discusses the state of SMB lending, the need for SMBs to have access to smaller loans, and how industry initiatives serve as a critical stimulus for business growth.

Darrell Esch is PayPal’s VP, Commercial Officer, PayPal Credit. In his role, Darrell is responsible for PayPal’s global financing solutions teams and is a key driver for setting and executing PayPal’s SMB lending activities. He joined PayPal in August 2010 from Bank of America, previously serving as Senior Vice President of its payments department.

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