Name: Why Expanding Into California Isn’t So Simple | Laine Schoneberger
Uploaded: 2026-07-18T15:57:53.000Z
Description: Californians have heard plenty about businesses leaving the state. The other direction gets less attention: what it takes for a new business to come in. In regulated industries, entry requires licensing, and an application can remain pending for years without a response.

Siyamak Khorrami has been the general manager and chief editor of the Southern California edition of The Epoch Times since 2017. He is also the host of the “California Insider” show, which showcases leaders and professionals across the state with inside information about trending topics and critical issues in California.

Siyamak Khorrami

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California, as the wealthiest and most populated state in the nation, carries many leading roles in policy making, economic growth, cultural influences and technology development. California Insider, hosted by Siyamak Khorrami with The Epoch Times Southern California, showcases leaders and professionals across the state with inside information about trending topics and critical issues. Our mission is to inform California residents through the experiences and knowledge of our guests. 

California Insider

Why Expanding Into California Isn’t So Simple | Laine Schoneberger

Is Owning a Home in California Still Possible? | Louis DiGonzini

Inside California’s $20 Billion Water Tunnel Decision | Graham Bradner

A Farming Takeover Happened in California; Most Residents Never Noticed | Tom Coleman & Stephen Vasquez

This California Winemaker Says Forced Membership Fees Could Reach Any Industry | Kate Griffith

Could California’s Wealth Tax Reach Beyond Billionaires? | Josh Rauh

The CCP Is Targeting an American Performing Arts Company | Steve Lance

Why California Election Results Keep Shifting After Election Night | Mike Gatto

California’s Fastest-Growing Homeless Population Is Its Seniors; What’s Really Happening? | Rishi Kumar

California Long COVID Patients Are Waiting 6 Months to See a Doctor | Susanna Zaraysky

Tom Gantert is a reporter for The Epoch Times.

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Jack Phillips is a breaking news reporter with 15 years experience who started as a local New York City reporter. Having joined The Epoch Times' news team in 2009, Jack was born and raised near Modesto in California's Central Valley. 

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Californians have heard plenty about businesses leaving the state. The other direction gets less attention: what it takes for a new business to come in. In regulated industries, entry requires licensing, and an application can remain pending for years without a response.

One lender says it entered that process more than two years ago. Similar approvals came through much faster in other states. In California, the application is still pending, and no decision has come back in either direction.

Laine Schoneberger, managing partner and chief investment officer at Yrefy, LLC, is the executive leading that application.

The service the company is seeking approval to offer refinances defaulted private student loans at roughly half the borrower’s current payment. He sits down with Siyamak to discuss the two years in the queue and the math that makes a cut that steep possible.

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