Business Refocused

Lindsay Sexton & Carey Wallace

Helps leaders navigate the numbers, people, and strategy behind sustainable growth. Hosted by Carey Wallace and Lindsay Sexton, the show dives into what really happens when a business is changing, whether it’s expanding, merging, transitioning ownership, or rethinking operations.Each conversation offers practical insight on analyzing your business, making data-driven decisions, and building a company built to last.Show previously named Insurance Refocused, but changed to Business Refocused in November 2025. Business owners of all industries face the same challenges as independent insurance agencies.

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Business Refocused

Episodes (187)

Today #186 - How to Use Debt to Grow Your Insurance Agency Through Acquisition w/ Covington Carlson
Tue Aug 18th #185 - When Is Enough, Enough? How to Know When to Sell Your Insurance Agency w/ Trey Siner
Tue Aug 11th #184 - Calculating Adjusted EBITDA w/ Lauren Washington

Business Refocused

Aug 25, 2026
34 minutes
24 MB

In this episode of Business Refocused, Carey and Lindsay sit down with Covington Carlson from Live Oak Bank to talk about one of the biggest questions agency owners face when they want to grow through acquisition: How do you actually finance the deal? Covington breaks down how banks look at insurance agency acquisitions, why some debt can be a powerful growth tool, and what buyers need to understand before taking on a loan. He explains debt service coverage, EBITDA, cash flow, seller notes, and the difference between SBA and conventional lending in a way that...

Business Refocused

#186 - How to Use Debt to Grow Your Insurance Agency Through Acquisition w/ Covington Carlson

Lindsay Sexton & Carey Wallace

00:00 -33:45