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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
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So You Want to Go Direct to a Lender? Good Luck Finding Any Real Information.
If you’ve read anything I’ve written before, you already know how I feel about brokers: they’re middlemen living on borrowed time. So let’s say you take the advice,…
4 min read
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I Love Embedded Lending—But There’s One Thing I Hate About It
Embedded Lending Is Everything Brokers Aren’t I’m a fan of embedded lending. Always have been. It’s efficient, data-driven, and it’s quietly killing off the broker model — which,…
4 min read
