This one-hour webinar is intended to provide a basic understanding of how loans from different lending programs can work together to provide a small business owner with the capital required for expansion and even start-up purposes. From this information, small business borrowers will find themselves in solid position to discuss capital options with lenders that participate in these lending programs.  

Presenter: Ray Haden

Although Ray joined the Temple SBDC in 2025, he actually started his career with the SBDC network at Wilkes University SBDC where he was employed as a business consultant and capital acquisition specialist. More recently, he worked in Lewisburg, Pennsylvania at Bucknell SBDC. Ray’s background is in government finance; part of his work involves assisting clients with the processes related to federal, state, and local financing opportunities. All told, Ray possesses approximately eight years’ experience as a business consultant with the PA SBDC network. In 2024, he also received national recognition as the Pennsylvania State Star. The award is given to SBDC professionals who demonstrate exemplary performance, make significant contributions to their networks, and are deeply committed to the success of America’s small businesses.

Aside from his work as a business consultant, Ray is an enthusiastic musician and a (somewhat less enthusiastic) runner. Self-identified as a life-long learner, Ray earned his Bachelor of Arts Degrees in Political Science and Spanish from King’s College, his Master of Business Administration from Bloomsburg University, and his Doctor of Education from Wilkes University.