About the author

Ivan Kokos

Commercial banker and relationship manager · Southern California

Ivan Kokos is a commercial banker and relationship manager who has spent his career helping business owners turn financial complexity into clarity. He has worked with hundreds of companies, from contractors and manufacturers to professional service firms, guiding them through the process of financing growth, buying real estate, and building lasting banking relationships.

Based in Southern California, Ivan believes the best financing advice doesn’t come from theory. It comes from real conversations with real business owners. When he’s not meeting clients or reviewing deals, you’ll find him spending time with his family, exploring local food spots, or sharing practical business insights online.

This guide, and this site, come from that side of the desk: plain language, real numbers, and no sales pitch. Nothing is recommended here that the book itself warns against.

For chambers and associations

Book Ivan to speak.

Plain-English talks on qualifying for financing, understanding the real cost of capital, and what to do after a bank says no.

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