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Insights & Resources
Expert insights, resources, and guidance to help build a sustainable business
Latest Insights
Factor Rate vs APR: Understanding True Cost
Don't be fooled by factor rates. Learn how a 1.3 factor can actually mean 60%+ APR when calculated properly, and how to compare financing options accurately.
A factor rate of 1.3 multiplied against a $50,000 advance means you'll pay back $65,000. Sounds straightforward, right? But here's what they don't tell you: if that payback occurs over 6 months via daily ACH pulls, your annualized cost is astronomical compared to traditional lending.
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The Debt Settlement Trap: How Predatory "Relief" Schemes Endanger Businesses
When business owners find themselves struggling with debt, they often turn to companies promising fast relief. But many of these "settlement" services create more problems than they solve.
Understanding the difference between legitimate restructuring and predatory schemes is critical. Legitimate advisors work within the system; predatory actors exploit desperation.
Continue ReadingUnderstanding Financing Costs
What Does Business Debt Resolution Really Mean?
Resolving business debt isn't about "not paying what you owe." It's about clarity, credibility, and creating a sustainable path forward that preserves business value.
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MCA Stacking: The Downward Spiral
When one MCA isn't enough, business owners often take another. This creates "stacking": multiple daily pulls that can devastate working capital.
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Hidden Fees in Alternative Financing
Origination fees, bank fees, documentation fees, and broker premiums can add thousands to your true cost. Learn what to look for in every contract.
Read MoreContract Protection
UCC Filings: What They Mean for Your Business
A UCC-1 filing is a lien on your business assets. Understand what you're giving up and how multiple filings can impact future financing options.
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Confession of Judgment: The Nuclear Option
COJ clauses allow funders to obtain instant judgments against you without a trial. They're illegal in many states but still appear in contracts. Know how to identify and remove them.
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Prepayment Traps in MCA Contracts
Many MCA contracts require you to pay the full factor regardless of when you pay off. Early payoff doesn't save you money. It just gives the funder better returns.
Read MoreData Privacy
How Your Application Becomes 50 Phone Calls
Submit one application, get hammered with calls. Learn how the broker lead network works and how to escape it.
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Comprehensive Opt-Out Strategies
Step-by-step guide to tracing where your data went and executing effective opt-out requests across the broker ecosystem.
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Protecting Your Information Going Forward
Once you've cleaned up past exposures, learn how to apply selectively and protect your data in future financing searches.
Read MoreSBA & Traditional Financing
SBA Loan Programs: Myth vs Reality
The SBA doesn't lend money directly. Banks do. Learn how the program works, qualification requirements, and realistic timelines.
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What to Include in an SBA Loan Hardship Letter
Writing a hardship letter that gets accepted isn't about tugging heartstrings. It's about clarity, credibility, and showing a realistic path forward.
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Preparing for Traditional Bank Financing
What banks actually look at, how to strengthen your application, and realistic expectations for approval timelines and requirements.
Read MoreHave Questions About Your Situation?
Our advisory team can help you understand your options and develop a strategic approach.