Cost Analysis
What a Renewal Actually Costs — The Hidden Double Fee
Your funder calls it a reward for paying down. Here is why renewing an advance can mean paying a factor fee on money you already paid a fee on.
Plain-language coverage of merchant cash advances — how they work, what they cost, and how to navigate them.
Your funder calls it a reward for paying down. Here is why renewing an advance can mean paying a factor fee on money you already paid a fee on.
Settlement has kept businesses open when advances became unsustainable. Funders dislike it for a reason worth understanding.
Advances are quoted as factor rates, not interest. Here is how to convert that into what you will actually pay.
Taking a second advance to service the first is common — and it changes the math in ways that are easy to miss.
Rolling several advances into one payment can lower the daily bite. It can also quietly extend your term at a higher total cost.
Two ways of expressing the same money, built to feel very different. Here is how to see past the framing.
Advance repayment assumes smooth cash flow. Most businesses do not have it. Here is how to manage the gap.
Most advance agreements include one. Here is what it does, and why it matters for your business.
A once-common clause that can let a funder obtain a judgment with little notice. Know whether yours contains one.
When several advances are running at once, order and information matter more than urgency.
If it feels like the offer to consolidate arrives exactly when you are most stretched, that is not a coincidence.
The isolation is part of what makes advance debt so heavy. It should not be.
If you are considering a new advance, these are the questions a good funder will answer without hesitation.