Current Events
4 min read
CBP has moved $126 billion in tariff refunds, mostly to importers who sued. Where everyone else stands after the October class ruling, and how to fund Q4 now.
Alec Lipnitsky 4 min read
How It Works
Why a $100,000 ask comes back as a $45,000 offer: the deposit math that sizes a cash advance, what shrinks the number, and how to run it before you apply.
4 min read
Industry Guides
A staffing agency fronts about seven payrolls before its first invoice clears. The float math by headcount, and factoring vs a line of credit, costed.
4 min read
Industry Guides
The average car is now 12.8 years old and full bays are not full cash flow. How repair shops fund the calibration rig, the parts shelf, and the slow months.
4 min read
How It Works
The fixed debit on an advance is an estimate of a purchased percentage. When a slow month proves it wrong, reconciliation resets the payment to real sales.
3 min read
Current Events
What a legitimate advance application actually needs, which extra asks mean the portal is built for theft, and the first calls if a packet went out.
4 min read
Watch-Outs
How thieves hijack a business with one cheap state filing, how it surfaces in underwriting, and the five checks that catch it before a funder does.
4 min read
Watch-Outs
Fake equipment dealer sites clone real shops, price machines far under book, and take wire deposits. The checks that make them vanish before you pay.
4 min read
Current Events
Challenger pegs 2026 retail seasonal hiring at 450,000, a post-2008 low. Why that favors small shops, and the payroll float math to run before you hire.
4 min read
Current Events
Section 179 keys on the in-service date, not the order date. With July equipment volume at a record, here is the 94-day math on a fourth quarter machine.
4 min read
Current Events
Traders price September 16 as a coin flip between a Fed hike and a hold, with a cut under 1 percent. The quarter-point math on lines, SBA loans, and advances.
6 min read
How It Works
The same business reads three ways: four months of statements for an advance, years of returns for a term loan, and a line review that never fully ends.
4 min read
Current Events
Fixed weekly debit or a percentage of card sales: the same $48,800 payback on two different calendars, and the three numbers that tell you which one to sign.
4 min read
Industry Guides
A homeowner pays in draws, a GC pays on pay apps. That one difference decides whether a construction company runs an advance, a line of credit, or both.
5 min read
Watch-Outs
Fake payoff letters, swapped wire instructions, closing-week intercepts. How to verify a payoff before the wire moves, and what it costs if you skip it.
5 min read
Industry Guides
How landscaping companies get funded: reading seasonal bank statements the way underwriters do, plus real cost math on equipment and winter capital.
4 min read
How It Works
A plain walkthrough of how a business line of credit works: draws, repayment, what interest you actually pay, and when a line fits better than a lump sum.
4 min read
Watch-Outs
The payback rides the gross but you only got the net. Where fees hide in funding agreements, the division that shows your real cost, and a five minute check.
4 min read
Industry Guides
A desk-level guide to construction funding: how underwriting reads a contractor file, and what actually covers payroll while the GC's wire is 60 days out.
5 min read
How It Works
The payback math behind factor rates: what a 1.35 really costs, how the term changes the picture, what fees do to your net, and four checks before signing.
5 min read
Watch-Outs
How bank login phishing works inside a funding application, what real deposit verification looks like, and what to do in the first hour if it happened.
5 min read
Industry Guides
How underwriters actually read a restaurant file, plus honest cost math on equipment financing, an MCA, an SBA loan and a line, shown to the dollar.
5 min read
How It Works
What a funding underwriter actually reads in your bank statements: deposit cadence, daily balance, negative days, and how each one moves your offer.
4 min read
Watch-Outs
A company calls promising to cut your MCA balance in half if you stop paying. Here is the real math on that rescue, and the cheaper move to make first.
5 min read
Industry Guides
A desk level guide to trucking company financing: the 35 day broker gap, factoring costs, equipment structures, and matching the fix to the problem.
5 min read
Watch-Outs
Someone offers to clean up your bank statements before you apply. Here is how underwriting catches doctored PDFs, and the honest fix that funds.
9 min read
How It Works
A merchant cash advance funds in 24 to 48 hours from a complete file. The hour by hour timeline, what stalls files, and how long repayment runs.
12 min read
How It Works
Real credit score floors for every business funding product in 2026, which of your scores lenders pull, and what moves an approval more than the number.
14 min read
How It Works
Real Fed approval data by credit risk, every product's actual credit floor, a 90-day file repair plan, and the scams that hunt low scores. Fully sourced.
12 min read
Industry Guides
Every funding route open to a New York business in 2026: real costs, real approval boxes, the state disclosure law, and the free help worth using first.
2 min read
How It Works
Merchant cash advances and SBA loans serve different needs. Compare approval speed, credit requirements, costs, and repayment terms to find the right funding for your business.