AmiSights

Big companies are rapidly turning AI adoption into a measurable performance metric, ranking employees based on how much they use AI tools. What was once optional is now becoming mandatory. Firms like Meta, Google, and JPMorgan are embedding AI usage into goals, performance reviews, and even compensation structures, using dashboards, incentives, and internal mandates to drive behavior change. However, this push is not driven purely by productivity gains. Many companies have ye

The SBA just announced a new “Grocery Guarantee” program  aimed at boosting lending across the food supply chain and a new program to enhance loans to manufacturers . These are smart, targeted moves. By increasing guarantees, the SBA is making it easier for lenders to finance manufacturers, grocers, distributors, and producers. These are industries that actually need capital to expand. But let’s not overstate the impact. Even if this drives more lending, it will take years fo

I always caution borrowers that if it feels too good to be true, it usually is. I recently read on NPR about a business owner who took fast, easy capital to support her company. Within weeks, daily payments piled up. When she fell behind, her lender froze all of her accounts... no warning. What started as a lifeline became a shutdown. This is what happens when speed wins over structure. Webinars of the Week April 7 @ 12-1PM ET The 65% Exit: When Cofounder Conflict Turns into

I feel like I’m living in two different realities right now. At MultiFunding, things are working. Our pipeline is strong. Clients are moving forward. We’re growing. It feels like business as usual. And then I look up, and the world feels anything but normal. Friends in Israel have been running to bomb shelters. Team members in the Philippines are preparing for potential disruptions due to energy shortages. People I know in different parts of the world are suddenly thinking ab

AmiSights started in the middle of the chaos. During the pandemic, every day brought new PPP rules, new questions, and a lot of confusion. Business owners needed clarity—and fast—so we started writing. It wasn’t a strategy or a brand at the time. It was simply a way to keep our community informed and cut through the noise. When PPP faded, the writing didn’t. What began as real-time updates evolved into something broader—reflections on financing, leadership, growth, and the re

For the first time ever, more retail space is going to services than stores. Think fewer shopping bags… more Botox, boxing, and Pilates. According to the Wall Street Journal , Over 50% of retail space is now leased to service businesses—driven by a $2T+ wellness boom and the continued rise of e-commerce. What’s changing: • Consumers spend on how they feel , not what they own • The gym is the new “happy hour” • Landlords favor experience-driven tenants The takeaway: Retail isn

In this week’s edition of the AmiSights Podcast , we talk to Emeka Oguh . Emeka is the CEO of PeopleJoy , a company that helps HR leaders attract and retain top talent with turnkey student loan and education benefits. "Entrepreneurial success is driven more by mindset—passion, resilience, and vision—than by initial capital. My journey shows how strategic thinking and determination can overcome limited resources to achieve significant success." The three main topics of this ep

Search is shifting from keywords to conversations . According to a recent Wall Street Journal article , AI tools like ChatGPT don’t just rank websites—they pull from what people are saying about you across Reddit, reviews, and forums. Your digital reputation is now your visibility. Old SEO still matters, but it’s no longer enough. Winning now means: • Being talked about (not just optimized) • Providing clear, contextual content • Earning trust across the web The hard part? Yo

Most of what we worry about never actually happens. We replay conversations, predict worst-case scenarios, and convince ourselves we’re being productive—but most of it is just noise. There’s a saying: “Worrying works, because 90% of what I worry about never happens.” It feels true, but it’s backwards. Those things weren’t likely to happen anyway. Worry creates the illusion of control. It feels like action, but it isn’t. Focus on what’s real, what’s in front of you, and what y

A business owner called me last week, believing he was resolving his Economic Injury Disaster Loan. He wasn’t. It was already in collections—he just didn’t know. It’s a situation that is becoming more common than you might suspect. When business owners fall behind on their EIDL loans, they sometimes assume they’ll figure something out with the Small Business Administration—maybe buy some time, maybe work out a plan. And then one day, they’re no longer dealing with the SBA. Th

I’ve been thinking a lot about AI lately, and to me it really comes down to a simple idea: it’s a coin with two very different sides. On one side, there’s a real danger of it making you lazy. If you just let AI do the work, accept what it gives you without questioning it, and stop thinking things through yourself, you’re going to lose that muscle. And once that starts happening, it’s a slippery slope. On the other side, if you ignore AI completely, you’re putting yourself at

A recent case highlighted by Bob Coleman is a reminder of just how far PPP fraud went—and how it ends. One tax preparer submitted over 1,500 fake PPP applications , generating millions in loans and at least $700K in kickbacks. He knew it was fraud. He even texted, “You gonna put my ass in jail soon.” He wasn’t wrong. He got 10 years in prison —one of the longest PPP fraud sentences so far. What stands out isn’t just the scale. It’s how blatant it was. Fake incomes. Fake busi

A recent Bloomberg Businessweek  article highlights something I’m hearing more and more: Private equity is flooding Main Street with offers—but more owners are saying no. Not because the price isn’t attractive. In many cases, it is. They’re saying no because they don’t like what comes after: loss of control, pressure on employees, and a shift away from what made the business successful in the first place. Some are even leaning into it—marketing themselves as “locally owned” a

“The privilege of a lifetime is to become who you truly are.” — Carl Jung In a world that constantly tells us who to be, it’s easy to lose sight of ourselves. We follow paths that feel expected rather than authentic, often without even realizing it. Carl Jung’s quote is a reminder that the real work of life isn’t becoming more like others, it’s becoming more like you. That means peeling back the layers of expectation, fear, and comparison to discover what genuinely feels righ

Before seeking financing, every borrower should ask a simple question: How will lenders actually see my situation? Entrepreneurs naturally view their businesses through their own experience—past wins, loyal customers, and confidence that the next opportunity is around the corner. Lenders see something different. They focus on what is certain today and how they get repaid. A contractor we recently spoke with is waiting on their next government contract. From their perspective,