Capital strategy, written by advisors who close deals.
Practical guides, market intel, and owner playbooks. No fluff, no affiliate pitches — just what we tell clients on the phone.
Why most owners borrow at the wrong time — and how to time your next round
The cheapest capital is rarely available when you need it most. Here's the underwriting playbook for borrowing 90 days before you actually need cash.
Latest articles
Recent posts
The 2026 SBA 7(a) refresh: what changed and who benefits
New eligibility thresholds, expanded loan ceilings, and the underwriting shifts that quietly opened the door for service businesses.
Lines of credit vs. term loans: a working-capital decision tree
When variable cash needs meet fixed payments, the wrong product costs you 200+ bps. A simple framework from our underwriting team.
Q1 2026 funding pulse: rates, approvals, and the lending climate
Approval rates ticked up 4.2% QoQ as lenders re-entered the market. Here's where capital is flowing — and where it's tightening.
How a Tampa HVAC company refinanced $1.2M and dropped payments 38%
Three MCAs, four years of growth, and one consolidation. A real refinance walkthrough — with the actual term sheets.
The 3-month bank statement audit lenders actually run
Average daily balance, NSF count, and the deposit ratio that quietly decides your APR before anyone reads your P&L.
Invoice factoring vs. A/R financing: structural differences that matter
They look identical on the brochure. The recourse terms, notification rules, and customer experience are not.
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One email a month. Market shifts, rate moves, and the underwriting changes that affect what you can borrow.