Senior Vice President of Business Development, Anna O’Brien, was featured in the North Bay Business Journal’s annual roundup of small business lending experts, offering insight into what lies ahead for small business finance in 2025.
Anna was one of five banking leaders invited to participate in the Q&A, which explored the economic landscape, client concerns, and trends shaping the lending environment this year. Representing Certified Development Companies (CDCs) and the SBA 504 loan program, Anna provided a vital voice for small business owners seeking long-term stability in uncertain times.
“The most common concern among clients this year has been the impact of rising interest rates on their long-term investment decisions,” Anna told the Journal. “Clients are eager for financing solutions that provide stability and predictability — which is where the fixed-rate SBA 504 loan continues to shine.”
Anna also reported strong and steady demand for SBA 504 loans in early 2025, especially from business owners in the industrial and professional services sectors looking to lock in long-term fixed rates ahead of potential market shifts.
With over a decade of experience, Anna is known for her hands-on guidance and deep knowledge of the SBA lending process. Her ability to navigate complex deals, paired with her commitment to helping entrepreneurs realize the benefits of property ownership, makes her a standout in the industry.
“Anna brings energy, empathy, and deep expertise to every transaction,” said TMC President Barbara Morrison. “Her ability to educate clients and advocate for their goals — with both lenders and the SBA — is a key reason why so many business owners trust TMC Financing.”
The Q&A also featured commentary from leaders at Bank of America, U.S. Bank, Exchange Bank, and Redwood Credit Union. Collectively, these experts acknowledged the economic uncertainties ahead, but also highlighted the resilience of small businesses and the creative financial tools — like the SBA 504 program — that continue to support their growth.