Alternative Funding
Financing the Equipment a Grading Contractor Cannot Skip
A grading contractor came to me after nearly losing a contract because his excavator broke down mid job and he did not have the...
A resale business owner I worked with faced the same problem every apparel reseller eventually hits: the best inventory opportunities, a wholesale closeout lot, a thrift sourcing run, an estate sale bulk buy, show up with almost no warning...
Recent
Alternative Funding
A grading contractor came to me after nearly losing a contract because his excavator broke down mid job and he did not have the...
Funding Readiness
A client of mine had a genuinely strong file, healthy revenue, reasonable debt load, two years in business, and still got...
Alternative Funding
A woodworker client came to me wanting a fifteen thousand dollar loan for a full workshop buildout, a planer, a jointer, a dust...
Lines of Credit
Two lines of credit landed on my desk for the same client in the same week, one at 11 percent and one at 14 percent, and I...
Alternative Funding
Clients bring me merchant cash advance term sheets more often than I would like, usually after they have already signed, asking...
Business Loans
I signed my first personal guarantee without reading past the first paragraph, because the loan officer described it as...
Sections
Archive
Three people who have sat on different sides of a funding decision: a former underwriter who spent a decade deciding which loan applications got approved, a small business owner who has borrowed through a term loan, two lines of credit, and one merchant cash advance she still warns people about, and a bookkeeper who sees a client's cash flow problems months before the owner does. Every article carries a byline, and nothing runs that the writer has not actually dealt with.