CoinTalk

With ETF holdings topping 800k BTC, are we looking at more institutional influence in Bitcoin’s next move?

Is a massive insider buy from a CEO the single most powerful 'buy' signal in the market? Elon Musk just invested a cool $1 billion of his own money to purchase more Tesla (TSLA) shares.

So, how do you interpret this? Is this a clear indication of confidence and a signal to follow the leader, or is it merely a risky attempt to elevate market sentiment?

Being a crypto enthusiast in the United States, I've been mining Pi coins on my phone for several months, enticed by the idea of a decentralized currency easily accessible. All I hear about is the launch of the Mainnet for the Pi Network. Now what remains unclear is: When will Pi mining officially end in the United States. With a large user pool scattered all over the globe, I fear that I could miss key deadline dates and lose the coins I mined, especially since I trade for money in USD. Could someone please clarify when mining for Pi ends, and what needs to be done next to redeem my coins?

I have read about KYC requirements and the Grace Period, but I find myself a bit uncertain how these might affect a beginner in cryptocurrency terms. I reside in New York and want to make sure I do not waste my efforts, so I want to understand how the Pi Network timeline affects my possible earnings. Are there any dates or activities I should watch out for in order to be ahead?

I imagine similar questions also arise for people in nations like Nigeria and India and that have their own currencies, NGN or INR. How can we all prepare for the end of Pi mining, and what does it mean for the future value of Pi coins? I would need clear directions through this process.

The latest report is out, and the numbers don't lie. The total cryptocurrency market cap has surged to its highest level since the euphoric peaks of 2021. For anyone who survived the brutal crypto winter, this isn't just a welcome sight; it's a moment of profound validation.

The mainstream media, the legacy financial analysts, and the legions of doubters all declared that crypto was dead. They called it a fad, a bubble, a fleeting moment of madness. And now, this single, undeniable number proves just how wrong they were.

This isn't just a recovery; it's a powerful statement of resilience.

Of course, the skeptics will immediately try to downplay this. They'll claim it's all inflated by memecoins and speculative froth. But they are fundamentally missing the point. The truth is, this time is different.

This growth is built on a rock-solid foundation of real, sustainable adoption. It’s fueled by billions of dollars in institutional capital pouring in through spot ETFs, managed by the biggest names in finance. It’s driven by an explosion of genuine innovation in Layer 2 scaling solutions, decentralized finance (DeFi), and the tokenization of real-world assets.

The market isn't just bigger; it's stronger, more diverse, and more deeply integrated into the global financial system than ever before. Personally, I see this as the ultimate validation. This isn't just a number; it's a testament to the industry's incredible staying power. So are we just celebrating a recovery?

Or are we witnessing the opening act of a new supercycle that will dwarf everything we've seen before?

If you're a small business owner wondering what banks do SBA loans or who does SBA loans, you're in the right place. SBA loans are a popular financing option backed by the U.S. Small Business Administration, but the loans themselves come from approved lenders like banks, credit unions, and specialized financial institutions. Choosing the right SBA lender can make a big difference in your loan approval process, interest rates, and overall experience.

In this detailed guide, we’ll cover the best SBA lenders for 2025, explain how SBA loans work, and give you tips on finding the best banks for SBA loans that fit your business needs.

What Are SBA Lenders and How Do SBA Loans Work?

SBA lenders are financial institutions authorized by the SBA to offer loans partially guaranteed by the government. This guarantee reduces the lender’s risk, allowing them to offer more favorable terms such as lower down payments, longer repayment periods, and competitive interest rates.

The SBA doesn’t lend money directly; instead, it partners with these lenders to help small businesses access capital. SBA loans come in various types, with the most common being:

• SBA 7(a) loans: The most popular loan type, used for working capital, equipment, real estate, and debt refinancing.
• SBA 504 loans: Designed for purchasing fixed assets like real estate or large equipment, often involving a Certified Development Company (CDC) alongside a bank.
• SBA Microloans: Smaller loans (up to $50,000) offered through nonprofit intermediaries to help startups and small businesses.

Who Are the Best SBA Lenders in 2025?

Based on loan volume, approval rates, and borrower experience, here are some of the top SBA lenders to consider:

1. Newtek Bank

Newtek Bank is currently the most active SBA lender by total loan amount, having issued over $1 billion in SBA 7(a) loans in fiscal year 2025. They serve U.S.-based, for-profit businesses with at least two to three years of tax returns. Newtek offers personalized service with a dedicated lending specialist who guides you through the entire process.

2. Huntington National Bank

Huntington approved the most SBA 7(a) loans in fiscal year 2024 and continues to be a top lender in 2025. They offer loans up to $5 million with down payments as low as 10%, along with SBA Express loans for faster access to smaller amounts. Huntington also runs the Lift Local Business Program, supporting minority-, women-, and veteran-owned businesses with financial education and SBA loan assistance.

3. Northeast Bank

Northeast Bank is a top lender by number of loans approved and total loan amount. Based in Maine, it offers SBA 7(a) loans up to $500,000 and streamlines the application process through online tools, making it easier for borrowers to apply with fewer documents.

4. Readycap Lending

Readycap Lending, a subsidiary of Ready Capital, has issued over $550 million in SBA 7(a) loans in 2025. They provide loans ranging from $350,000 to $5 million for business expansion, equipment purchase, working capital, and refinancing.

5. Live Oak Banking Company

Live Oak Bank is the second-most active SBA 7(a) lender by dollar amount and offers an online-based application process nationwide. They provide loans up to $5 million with up to 90% financing and typically require a 10% down payment. Live Oak also offers SBA 504 loans for larger projects.

6. JPMorgan Chase Bank

JPMorgan Chase, one of the largest banks in the U.S., offers SBA 7(a) loans up to $5 million and SBA Express loans up to $500,000. They provide SBA 504 loans for equipment and real estate purchases, with dedicated loan officers to assist borrowers.

7. Lendistry

Lendistry is a minority-led community development financial institution that focuses on underserved communities. They offer SBA 7(a) loans between $25,000 and $5 million with an entirely online application process and personalized customer support.

8. TD Bank

TD Bank ranks among the top SBA lenders by loan approval count and offers SBA 7(a) loans up to $5 million, SBA 504 loans, and SBA Express loans up to $350,000.

9. BayFirst National Bank

BayFirst offers a fast funding SBA Bolt Loan program with amounts up to $150,000 and funding within days. They also provide standard SBA 7(a) loans up to $5 million.

10. Celtic Bank

Celtic Bank offers SBA 7(a) loans up to $5 million, Express loans up to $150,000, construction loans, and SBA loans over $5 million. They are a preferred SBA lender headquartered in Utah.

How to Choose the Best SBA Lender for Your Business

Finding the right SBA lender depends on your business needs and preferences. Here are some tips:

• Start with your current bank or credit union: Existing relationships can speed up approval.
• Use the SBA Lender Match tool: Answer a few questions on the SBA website to get matched with lenders suited to your needs.
• Compare loan terms: Interest rates, fees, repayment terms, and down payment requirements vary by lender.
• Ask about the application process: Does the lender assign a dedicated loan specialist? How long does approval typically take?
• Check if the lender is SBA Preferred: Preferred Lenders can approve loans faster without SBA review.

What Do SBA Lenders Look For?

To qualify for an SBA loan, lenders typically require:

• A credit score of at least 640.
• A solid business plan and financial statements.
• Proof of ability to repay the loan.
• Collateral for larger loans.
• Usually two or more years in business (some exceptions for microloans).

Final Thoughts on SBA Lenders

SBA loans can be a lifeline for small businesses, offering affordable financing with flexible terms. Choosing the right SBA lender is crucial to getting the best deal and a smooth application experience. Whether you go with a big bank like JPMorgan Chase or a specialized lender like Live Oak Bank, make sure to shop around, prepare your documents, and understand your options.

Are you a beauty lover who spends hours scrolling through Sephora’s latest drops? Ever wondered if the Sephora Visa could actually save you money or if it’s just another shiny card in your wallet? Whether you’re searching for how to pay your Sephora card, the perks of the Sephora Visa credit card, or what “Comenity Sephora” even means, you’re in the right place. Let’s break down what real shoppers need to know—without the fluff.

What Is the Sephora Visa Credit Card?

The Sephora Visa credit card is more than just a way to pay for your next lipstick haul. Issued by Comenity Bank, this card lets you earn rewards not only at Sephora, but anywhere Visa is accepted. There are actually two main versions:

• Sephora Credit Card: Only works at Sephora stores or on Sephora.com.
• Sephora Visa Credit Card: Works anywhere Visa is accepted, plus extra rewards at Sephora.

Both cards have no annual fee and offer a sweet 25% off your first Sephora purchase after approval.

Sephora Visa Perks: What’s in It for You?

Let’s talk real benefits. Here’s what you get with the Sephora Visa:

• 4% back in rewards on every $1 spent at Sephora U.S. stores or Sephora.com.
• 2x Beauty Insider points on Sephora purchases.
• 1% back in rewards on all other Visa purchases.
• Exclusive cardholder discounts and early access to sales.
• No annual fee—so you’re not paying just to keep the card.

If you’re a frequent shopper, those rewards can add up fast. Plus, you can use the card anywhere Visa is accepted, not just at Sephora.

Is the Sephora Credit Card Worth It?

This is the big question. Here’s the honest scoop:

When the Sephora Visa Makes Sense

• You shop at Sephora often: The 4% back and double points are a real bonus for beauty addicts.
• You want to earn everywhere: Use it for groceries, gas, or travel and still rack up rewards.
• You love perks: Early access to sales and exclusive offers can mean extra savings.

When to Think Twice

• You don’t shop at Sephora regularly: Other cash-back cards might offer better rewards for everyday spending.
• You want flexible rewards: Redemption options are mostly tied to Sephora, so if you want cash or travel points, look elsewhere.
• You’re worried about interest: Like most store cards, the APR can be high if you carry a balance.

How to Pay Your Sephora Card

Paying your Sephora Visa or Sephora credit card is easy. You can:

• Log in to your account at the Comenity Sephora portal.
• Use EasyPay for quick payments.
• Set up autopay so you never miss a due date.

Does Sephora Take Cash?

Yes, you can still pay with cash at most Sephora locations in the U.S. They also accept major credit cards, Apple Pay, Google Pay, Klarna, and Sephora gift cards. Personal checks are not accepted.

Quick Comparison Table

Final Thoughts: Should You Get the Sephora Visa?

If you’re a Sephora devotee, the Sephora Visa can be a fun way to boost your rewards and get exclusive perks. The no annual fee is a huge plus, and the ability to pay your Sephora card online or in-store is super convenient. But if you only shop for beauty occasionally, a general cash-back card may be a better fit.

Pro Tip: Always pay your balance in full to avoid high interest charges. And don’t forget to use your Beauty Insider account to stack up even more rewards!

Upgrade your beauty game. Apply for the Sephora Visa and see if you pre-qualify today.