Ferb

Beauty beckons

@RoundtableSpace This is cap right, you fuckers know this is AI

THIS IS INSANE

@realDanRoot @toddsaunders Thanks!

@0xFerb @toddsaunders That is amazing. I love seeing contractors innovating with self-made tools like this. AI is a game changer. Well done!

If you're in a blue collar industry using Claude Code to build. I want to hear from you. You are the most important people in software right now and nobody is paying attention. Reply below, share your project or shoot me a dm!

@toddsaunders Took me longer to record than it did to create lol. For blue collar, lowest friction wins -- otherwise guys won't use it and it's net negative. The pricing/materials engine is easily adjusted.

@0xFerb WOW would love to see it

@grok @jack_watson_hfw Interesting

No—manufacturing often edges out on risk-adjusted ROI for SMBs. SaaS: Higher potential (4–6x ARR exits, 15–25% net margins, lower ~$50k startup capex) but 70–92% failure rate before profitability/scale (per 2025 data from ChartMogul, SaaS Capital). High volatility from churn/tech shifts. Manufacturing: 4–6x EBITDA exits, 7–12% net margins, but ~50% 5-year survival (BLS/Equidam), lower beta via tangible assets/supply chain moats, and steadier cash flows. Capital-intensive upfront (~$300k+), yet more predictable returns post-launch. For risk-averse founders, manufacturing's stability wins; SaaS suits aggressive growth bets. Depends on execution.

In my opinion, there are too many companies/startups aiming to sell services to manufacturers, and not enough people starting new manufacturers. Have many friends in the services space, and there are many great ones. Not against them. But we need more modern shops, not another SaaS product that will drain profit and be 40% utilized because it’s an off the shelf product not form fit to the business’s operations. Watching what my boy @zanehengsperger is doing, what @ThaaatColin, @kaiarhodes and @MatthewChang, @Russell_MFG_USA and so many others are building, and can’t help but feel like that is the way. The factory should be the product.

@grok @jack_watson_hfw @grok so from an ROI and risk-adjusted return perspective (not including ease of scale) -- SaaS is a more attractive option than manufacturing generally?

SMB manufacturers (USA, small/mid-size): typical exits at 2.5–4x SDE or 4–6x EBITDA (median ~3x SDE / ~5x EBITDA per recent BizBuySell/DHJJ data). Revenue multiples: 0.5–0.8x. SaaS: 4–6x ARR median for private companies in 2026 (bootstrapped ~4.8x; equity-backed ~5.3x per SaaS Capital/Flippa). Top growth deals hit 7–12x ARR. EBITDA multiples often 15–30x+ for profitable firms. Manufacturers: stable cash flow focus. SaaS: premium for recurring revenue + scalability.

@grok @jack_watson_hfw @grok What's the average exit multiple for both

SMB manufacturers in the USA: net profit margins average 7-12%. Startup costs typically range $100k–$1M+ (equipment $50k–$500k, facility/inventory key drivers). SaaS companies: gross margins 75–80% median, net ~15–25% for profitable firms. Startup costs $20k–$150k (MVP dev + launch, often bootstrapped under $60k). Manufacturing needs heavy capex upfront; SaaS scales on software with lower barriers.

@grok @SBAgov @grok You misunderstand. I'm referring to the federal difference from 75% to 90%. Previously, that discrepancy had to be filled by either the acquirer or a sellers note?

No, the SBA's minimum equity injection for change of ownership under standard 7(a) loans (including the International Trade Loan Program) has always been 10% of total project costs—not 15%. This remains unchanged with the new 90% guarantee starting May 1. The 15% figure applies only in specific cases like special/limited-use properties (e.g., certain unique facilities). For a typical manufacturer acquisition, it's 10%. Seller notes can help structure the deal (often subordinated and on standby), but the buyer's 10% cash equity injection must still come from them or qualifying sources. Lenders review case-by-case. Reach out to an SBA lender for your specifics.

🚨 NEW: Small manufacturers will soon be eligible for our new 90% Made in America Loan Guarantee. It's another way we’re driving capital to reshore U.S. supply chains – to help manufacturers expand facilities, hire workers, increase production, and rebuild American industrial dominance. sba.gov/article/2026/0…

@grok @SBAgov @grok So previously (again assuming a minimum equity injection) that 15% had to be either filled by the purchaser or covered by a sellers note?

The 90% guarantee (vs. standard 75% on 7(a) loans) slashes lender risk dramatically—meaning more approvals, especially for manufacturers in NAICS 31-33. Borrowers get easier access to larger loans for expansion, acquisitions, equipment, and reshoring at potentially better rates/terms. Starts May 1; this is the biggest SBA boost for U.S. manufacturing in years. Contact an SBA lender to apply.

@grok @SBAgov @grok tell me the importance of the 90% federal loan vs the 75% previous. What changes with this?

Yes, the new 90% Made in America Loan Guarantee (via the 7(a) International Trade Loan Program) can fund acquisitions of an existing manufacturer, as strategic acquisitions are explicitly eligible for expanding capacity and U.S. production. This applies if the buyer meets standard 7(a) small business criteria in NAICS 31-33. The minimum equity injection ("deposit") stays at 10% of the purchase price under SBA guidelines for change of ownership—unchanged by the enhanced guarantee. Lenders may require more case-by-case. Start May 1; reach out to an SBA lender or Finance Manager for pre-approval.

@grok @SBAgov @grok What about those seeking ETA? Could you use this new loan and the 7(a) program to acquire an existing manufacturer? If yes, what is the minimum deposit considering this new program. I believe it was 10% previously.

Yes, acquisitions qualify as an eligible use under the SBA's new 90% Made in America Loan Guarantee (via the International Trade Loan Program). If your company is a small manufacturer in NAICS sectors 31-33 and meets standard 7(a) criteria, loan proceeds can fund strategic acquisitions to expand operations, capacity, and U.S. production. Official SBA announcement confirms this explicitly. Contact an SBA lender for details starting May 1.

@grok @SBAgov @grok do acquisitions qualify under this loan if said company falls under the NAICS industry code?

Pre-revenue or newly created businesses may qualify for the SBA's International Trade Loan (with 90% Made in America guarantee) if they meet standard 7(a) criteria: U.S.-based, for-profit, small per SBA size standards, and demonstrate repayment ability via detailed business plans + financial projections. Startups need strong manufacturing experience from the team; lenders review case-by-case. Interest rates match standard 7(a): negotiated with lenders, capped at base rate (Prime ~6.75-7.5%) + 3% to 6.5% by loan size (typically 10-13% variable today). Fixed rates available. Upfront fees waived for manufacturers in FY2026. Contact an SBA lender for specifics.

@grok @SBAgov @grok do pre-revenue businesses or newly created businesses qualify? What are the expected interest rates on these loans?

NAICS sectors 31-33 cover the entire U.S. Manufacturing sector. These include all industries that mechanically, physically, or chemically transform raw materials into finished products. Key examples: - Food, beverage & tobacco (311-312) - Textiles, apparel & leather (313-316) - Wood, paper & printing (321-323) - Chemicals, plastics, petroleum & rubber (324-326) - Metals & machinery (331-333) - Electronics & computers (334-335) - Transportation equipment (cars, planes, ships - 336) - Furniture & miscellaneous (337-339) This is exactly who qualifies for the new 90% SBA loan guarantee starting May 1. 98% of U.S. manufacturers fall here.

@grok @SBAgov @grok what are the industries NAICS sectors 31-33 inhabit

Here's the breakdown of SBA's new 90% Made in America Loan Guarantee (via International Trade Loan Program): - 90% federal guarantee on loans (vs standard 75% for 7(a)). - Starts May 1, 2026. - For small manufacturers in NAICS sectors 31-33. - Uses: expand facilities, hire workers, upgrade equipment, modernize production, reshore/diversify supply chains, acquisitions. - Qualifies: Small businesses meeting SBA manufacturing size standards (98% of US manufacturers are small). Contact SBA Finance Managers for apps. Aims to rebuild US industrial strength.

@Razer Lol wait is this not satire

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@PathOfMen_ I've used this stack for the past 4 months. Not a cheat code.

Magnesium L-threonate + citicoline

@ihateurocky You don't. The scar tissue just makes you stronger.

how long does it take to heal from this shit?

@SawyerMerritt @Tesla Ngl thought that was Bill Gates at first

This 93 year old has found new freedom after she bought a new @Tesla Model Y with FSD. She also uses Grok navigation. "Although she has always been a good driver, my mom can now drive without the fear or fatigue that can naturally come with age. No more relying on others for every trip. No more feeling stuck. This is true mobility that can spark new adventures in a still adventurous women!" (via Dan Doyle's Family Channel. Full video below)