-
You Don’t Have a Funding Problem. You Have a Cost of Capital Problem.
Most small business owners don’t wake up thinking: “I need to optimize my weighted average cost of capital.” They wake up thinking: So they think they have a…
4 min read
-
The SBA Just Drew a Bright Line on Ownership. Here’s Who’s Out — and How Big the Impact Could Be.
On February 2, 2026, the Small Business Administration issued Policy Notice 5000-876441, effective March 1, 2026. The headline: if your business has any foreign ownership or any lawful…
4 min read
-
How First-Position Lenders Work With Brokers (and Why Brokers Always Push Borrowing)
If you read my last post on first-position revenue-based lenders, you now understand the basic product: short duration (usually 9–18 months), fixed daily or weekly payments, underwriting based…
4 min read
-
How First-Position Revenue-Based Lenders Actually Work
Most small businesses encounter first-position revenue-based loans before they fully understand how they work. This piece explains what “first position” actually means, why lenders structure these loans the…
4 min read
-
California’s SB 362 Is Live — But Don’t Expect It to Stop Brokers (Here’s What Will Really Change)
Happy New Year! As of January 1, 2026, California’s SB 362 went into effect — and it is going to shake up the way commercial financing offers are…
4 min read
-
2025 in Review, 2026 Outlook: Higher Tariffs, Weaker Hiring, Low Confidence, and a Lot More Bankruptcies Than People Admit
If you ran a small business in 2025 and felt like you were doing everything “right” but the math kept getting worse, you were not imagining it. 2025…
4 min read
