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SBA Lending in 2025: Tighter Standards, Shutdown Delays, and What It Means for Small Businesses
If you want the cheapest capital in America, you still go to the SBA. That hasn’t changed in decades. What has changed in 2025 is everything around it:…
4 min read
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Embedded Lending in 2025: Convenient, Data‑Smart… and Still Not Cheap
If “fast funding” is the first‑position world’s battering ram, embedded capital is the locksmith. Shopify Capital, Stripe Capital, PayPal Working Capital, Square Loans, Lightspeed Capital, QuickBooks Capital—these players…
4 min read
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Credit Card Stacking: The “Broker-Free” Mirage of Instant Business Funding
You’ve inevitably seen the “funding guru” on TikTok — the one in the rented McLaren telling you how he “leveraged $100K in business credit overnight.” Maybe you even…
4 min read
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What OnDeck’s Annual Report Really Tells Us About the Cost of “Fast” SMB Funding
Public companies tell the truth—they just bury it in the footnotes. Enova International, parent company of OnDeck, is one of the few major players in small business lending…
4 min read
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SMB Funding Outlook Amid High Rates (Q4 2025 Update)
Small business owners don’t need another talking head to tell them money’s expensive right now. They can feel it—in tighter margins, slower sales, and bank reps who stop…
4 min read
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🧮 Introducing the APR Calculator
For years, brokers and “funding specialists” have thrived on keeping business owners in the dark. They toss around factor rates, holdbacks, and payback terms—but somehow never mention the…
4 min read
