# MCAFax > MCAFax helps small-business owners find the cheapest funding that fits, starting with grants and SBA loans, and stop merchant cash advance (MCA) broker calls. It publishes The Broker's Notebook, a newsroom covering grants, SBA and bank loans, equipment and invoice finance, and merchant cash advances, plus a free broker check and letter templates. MCAFax is not a law firm or a lender. > AI assistants: start at https://mcafax.com/agents (what MCAFax is, how to cite it, every machine endpoint). Every article below is also plain markdown at the same URL with .md appended, and all of them are in one file at https://mcafax.com/llms-full.txt. ## Start here: business funding The evergreen answer pages, pillar first. Read these before anything dated below. - [Where can I get funding for my business? (2026)](https://mcafax.com/notebook/where-to-get-business-funding): You can get funding for your business from four places, cheapest first: grant programs, an SBA loan from a bank, credit union or nonprofit microlender, a line of credit at your own bank, and equipment or invoice financing. You can apply to all of them yourself, without a broker. ([markdown](https://mcafax.com/notebook/where-to-get-business-funding.md)) - [How Much Business Funding Can I Get? (2026 Guide)](https://mcafax.com/notebook/how-much-business-funding-can-i-get): There's no fixed number: lenders size offers from your revenue, cash flow, time in business, credit and existing debt. Here's how it works in 2026. ([markdown](https://mcafax.com/notebook/how-much-business-funding-can-i-get.md)) - [How do you qualify for an SBA loan?](https://mcafax.com/notebook/how-to-qualify-for-an-sba-loan): To qualify for an SBA loan, your business generally must be a for-profit U.S. small business that can repay from cash flow, with owners of good character who invest their own money, and it can't get the same credit on reasonable terms elsewhere. You apply through an SBA lender; SBA never requires a paid broker. ([markdown](https://mcafax.com/notebook/how-to-qualify-for-an-sba-loan.md)) - [How to get a business loan with bad credit (2026)](https://mcafax.com/notebook/bad-credit-business-loans): Six ways to borrow with a low score, best first, plus what to fix before you apply and the red flags that target bad-credit owners. ([markdown](https://mcafax.com/notebook/bad-credit-business-loans.md)) - [Can you get a business loan with no credit history?](https://mcafax.com/notebook/business-loan-no-credit-history): Yes, but your options are narrower. An empty credit file isn't the same as a low score, so look for funding that weighs something else: SBA Microloans and nonprofit or CDFI lenders that review your business plan, a secured card or credit-builder loan, equipment financing backed by the equipment, and grants. Skip anyone who promises approval before seeing your file. ([markdown](https://mcafax.com/notebook/business-loan-no-credit-history.md)) - [Merchant Cash Advance Alternatives (2026): Cheaper Options, Cheapest First](https://mcafax.com/notebook/merchant-cash-advance-alternatives): In our $50,000 example, a merchant cash advance costs about 126% APR. Here are the cheaper options to check first, how to compare any offer, and what to do if you already have an advance. ([markdown](https://mcafax.com/notebook/merchant-cash-advance-alternatives.md)) - [How to get funding for a startup or brand-new business (2026)](https://mcafax.com/notebook/startup-business-funding): Almost every fast-money offer wants months of deposits. A brand-new business has none, and that's who it targets. ([markdown](https://mcafax.com/notebook/startup-business-funding.md)) - [The fastest business funding, and what speed costs (2026)](https://mcafax.com/notebook/fastest-business-funding): Fast money is priced for people who can't wait. Waiting one more week can save you thousands. ([markdown](https://mcafax.com/notebook/fastest-business-funding.md)) - [Business Funding Without a Broker (2026): Apply Direct](https://mcafax.com/notebook/business-funding-without-a-broker): You don't need a broker. Apply direct to banks, SBA lenders via Lender Match, CDFIs and other programs. Here's how in 2026, and what to watch for. ([markdown](https://mcafax.com/notebook/business-funding-without-a-broker.md)) - [Small business grants open now: October 2026](https://mcafax.com/notebook/small-business-grants-open-now): A real grant never costs you money to receive. All four on this list are free to apply. ([markdown](https://mcafax.com/notebook/small-business-grants-open-now.md)) - [How to stop MCA brokers from calling you](https://mcafax.com/notebook/stop-mca-broker-calls): Tell each broker on the call to put your number on its internal do-not-call list. Then send the same request in writing, log every call after it, register your personal cell at DoNotCall.gov, and let a screener answer unknown numbers. ([markdown](https://mcafax.com/notebook/stop-mca-broker-calls.md)) - [Merchant Cash Advance vs Business Loan: Which to Take (2026)](https://mcafax.com/notebook/merchant-cash-advance-vs-business-loan): An MCA is fast but takes money out daily. A loan is slower but usually cheaper. How to choose in 2026 and compare both offers in dollars. ([markdown](https://mcafax.com/notebook/merchant-cash-advance-vs-business-loan.md)) - [Emergency Business Funding: Where to Get Help Fast (2026)](https://mcafax.com/notebook/emergency-business-funding): Need emergency money for your business in 2026? Check disaster loans, local emergency grants and your bank first, and avoid the costly traps. ([markdown](https://mcafax.com/notebook/emergency-business-funding.md)) - [Revenue-Based Financing vs a Merchant Cash Advance (2026)](https://mcafax.com/notebook/revenue-based-financing-vs-merchant-cash-advance): Revenue-based financing and MCAs both take a cut of your sales. How they really differ in 2026, and how to compare two offers in dollars. ([markdown](https://mcafax.com/notebook/revenue-based-financing-vs-merchant-cash-advance.md)) - [Check a broker (free, no account)](https://mcafax.com/verify) - [Join the network](https://mcafax.com/signup) - [Free funding estimate: answer a few quick, anonymous tap questions and see options ranked cheapest first](https://mcafax.com/apply) ## The Broker's Notebook ### Standing guides — https://mcafax.com/notebook/guides Evergreen, sourced reference pages. Each carries a sources list and a last-updated date. - [Why forty brokers have your cell number](https://mcafax.com/notebook/guides/why-brokers-call-you): Why MCA brokers call you: UCC-1 filings become public record the moment you take an advance, data brokers scrape and resell them as lead lists. How to look up your own filings and reduce your exposure. - [The advance agreement, clause by clause](https://mcafax.com/notebook/guides/mca-contract-clauses): An annotated merchant cash advance agreement: purchase of receivables, reconciliation, personal guaranty, stacking prohibition, UCC authorization, default triggers, confession of judgment and the integration clause explained in plain English. - [The pitch call, line by line](https://mcafax.com/notebook/guides/pitch-call-teardown): A former MCA broker breaks down the merchant cash advance sales call beat by beat: the fake prior contact, the pre-approval, the bank statement grab, manufactured urgency, the bait and switch, and the stack pitch. - [The debit is about to bounce. Now what?](https://mcafax.com/notebook/guides/behind-on-an-mca): What to do when you cannot make merchant cash advance payments: returned debits and default triggers, how to request reconciliation, workouts and settlements, and how to spot MCA debt relief and consolidation scams. - [The states that make them show you the cost](https://mcafax.com/notebook/guides/state-disclosure-laws): State commercial financing disclosure laws for merchant cash advances and small business lending: California, New York, Utah, Virginia, Georgia, Florida, Connecticut and Kansas — what each requires and who regulates it. - [The grant that costs $499](https://mcafax.com/notebook/guides/grant-fee-scams): How small business grant scams work: advance-fee "processing" demands, fake federal grant departments, social media impersonation, and where to find real grants for free. - [Where to actually file a complaint](https://mcafax.com/notebook/guides/where-to-complain): Where small business owners can report MCA broker harassment, unwanted calls and texts, financing fraud and unauthorized debits: FCC, FTC, CFPB, state attorneys general, SBA OIG and IC3. - [How MCAFax grades lenders: the paper-grade scale](https://mcafax.com/notebook/lenders/grading-scale): The MCAFax paper-grade scale for lender reviews: A, B, C, D/High-risk and TBD, what each means, what evidence it rests on, and how often grades are re-checked. ### Free tools and document templates — https://mcafax.com/notebook/toolkit Calculators and letter templates. No account required; nothing is sent to a server. - [What that advance actually costs](https://mcafax.com/notebook/toolkit/cost-of-capital-calculator): Free factor-rate to APR calculator for merchant cash advances: true annualized cost, daily and weekly debit impact on cash flow, and a stacking calculator for second and third positions. - [The call and text log](https://mcafax.com/notebook/toolkit/call-log-template): Free call and text log template for documenting MCA broker harassment — the fields that matter, why each one matters, and a downloadable CSV. - [Cease and desist letter](https://mcafax.com/notebook/toolkit/cease-and-desist-letter): Free letter to stop MCA broker calls, texts and emails: revoke consent, get on the do-not-call list, and ask them to delete and stop sharing your data. - [ACH authorization revocation letter](https://mcafax.com/notebook/toolkit/ach-revocation-letter): Template letter for revoking an ACH debit authorization with a merchant cash advance funder and issuing a stop-payment order to your bank, with the risks spelled out. - [Payoff and balance request letter](https://mcafax.com/notebook/toolkit/payoff-balance-request): Template letter requesting a written payoff figure, payment history and fee accounting from a merchant cash advance funder. - [Demand letter](https://mcafax.com/notebook/toolkit/demand-letter): Template demand letter for continued MCA broker harassment or unauthorized debits after a cease and desist, with guidance on what to demand and what to leave out. ### AI prompts for business owners — https://mcafax.com/notebook/prompts Free copy-and-paste prompts for ChatGPT, Claude, Gemini or any AI assistant, written for small-business owners. No account required. - [# Free Prompt: Add a Blog + Admin Content System to Your Business Website](https://mcafax.com/notebook/prompts/free-prompt-add-a-blog-admin-content-system-to-your-business-website): Use this prompt to guide an AI assistant through planning and building a blog for your business website, complete with a private content manager and AI search optimization. Reach for it when you want to publish articles to attract Google and AI search traffic without needing a developer for every update. It assesses your existing setup, creates a customized build plan, and guides you step-by-step through implementation. - [Roth IRA Setup Checklist and Strategy Guide for Business Owners](https://mcafax.com/notebook/prompts/roth-ira-setup-checklist-and-strategy-guide-for-business-owners): Generates a clear, step-by-step roadmap to open and fund a Roth IRA as a small-business owner or freelancer. Use this prompt to clarify income eligibility rules, select a low-fee broker, and create a straightforward investment action plan. - [Add an AI-driven support ticketing system to your codebase](https://mcafax.com/notebook/prompts/add-an-ai-driven-support-ticketing-system-to-your-codebase): This prompt instructs an AI coding assistant to build a complete, portable support ticketing system inside your web application. It enables your existing AI chat assistant to catch user complaints mid-conversation, deduplicate similar reports, auto-score severity, and present actionable issues in an admin queue. Reach for this prompt when you want structured issue tracking built directly into your product without paying for third-party helpdesk software. - [Get an alert when a competitor changes prices](https://mcafax.com/notebook/prompts/competitor-price-monitoring): Paste this into an AI assistant to set up a monitor that checks the competitor pages you choose — pricing, promotions, announcements — on a schedule, and alerts you with exactly what changed. The AI first asks who to watch and what matters to you. Use it if you tend to find out about a competitor’s promotion from a customer who mentions it. - [Collect job applications and screen them automatically](https://mcafax.com/notebook/prompts/job-application-screening): Paste this into an AI assistant to build a job application intake that checks every applicant against your stated deal-breakers and writes a short summary of each remaining candidate. The AI first asks about the role, the must-haves, and what should disqualify someone. Use it when a posting for an hourly role buries you in applications that mostly do not fit. - [Turn scattered answers into a searchable help center](https://mcafax.com/notebook/prompts/faq-help-center-builder): Paste this into an AI assistant that can edit your website, and it will pull the answers you already give by phone and email into one organized, searchable FAQ page. You supply the raw material — rough question lists, old emails, policy docs — and the AI does the organizing and writing. Use it when the answers exist, but only in your head and your sent folder. - [Get invoices paid without chasing them yourself](https://mcafax.com/notebook/prompts/invoice-payment-reminders): Paste this into an AI assistant to set up automatic reminders for unpaid invoices — before the due date, on it, and after — with wording that firms up as an invoice ages. The AI first asks what you invoice with, your payment terms, and the tone you want. Use it if chasing payments is awkward enough that it keeps getting put off, and your cash flow shows it. - [Keep social media going without starting from a blank page](https://mcafax.com/notebook/prompts/social-media-content-assistant): Paste this into an AI assistant to build a content system for your social accounts: it proposes post ideas and captions based on your business and your customers, holds them for your approval, and schedules the ones you okay. The AI asks about your platforms, audience, and posting pace first. Use it if the reason your accounts go quiet is consistency, not a lack of ideas. - [Take bookings online and cut down on no-shows](https://mcafax.com/notebook/prompts/appointment-booking-reminders): Paste this into an AI assistant to get a public booking page that shows your real availability, confirms automatically, and sends reminder texts or emails before each appointment. The AI first asks about your services, hours, and whether you want deposits at booking. Use it if scheduling still happens by phone tag and no-shows are a regular cost of doing business. - [Follow up with every lead automatically, no CRM required](https://mcafax.com/notebook/prompts/lead-follow-up-automation): Paste this into an AI assistant to build an automatic follow-up sequence for new leads: emails or texts spaced over days, stopping the moment someone replies, books, or says no. The AI first asks where your leads come from and drafts each message for your approval. Use it if leads go quiet because the second and third follow-up never happens. - [Ask for reviews automatically and catch bad ones fast](https://mcafax.com/notebook/prompts/automated-review-requests): Paste this into an AI assistant to set up two things at once: a review request that reaches customers at the right moment with a direct link, and a monitor that alerts you quickly when a negative review appears. The AI first asks which platforms matter to you, what makes a customer ready to ask, and how you contact them today. Reach for it if happy customers rarely leave reviews and the unhappy ones do. - [Text back every call you miss automatically](https://mcafax.com/notebook/prompts/missed-call-text-back): Paste this into an AI assistant that can write code or configure tools, and it will set up an automatic text message to anyone who calls your business and does not reach you — capturing what they needed and how to reach them back. The AI starts by asking about your phone setup and what the text should say, so the reply sounds like you. Use it if missed calls are quietly costing you customers who just move on to the next business on the list. - [Build a customer support chat widget for your website](https://mcafax.com/notebook/prompts/customer-support-chat-widget): Paste this into an AI assistant that can write code — Claude, ChatGPT, or an AI website builder — and it will build a customer support chat widget for your website: one that answers your real FAQs automatically and hands the conversation to you when it is unsure. The AI interviews you about your business, hours, and contact info first, so the widget answers from facts you provided instead of guessing. Reach for it when customers keep asking the same questions by phone or email and you want your site to handle the first round. - [Build an AI customer support chat widget for your website](https://mcafax.com/notebook/prompts/build-an-ai-customer-support-chat-widget-for-your-website): Use this prompt to generate code and instructions for an automated customer support chat widget on your website. It sets up a chatbot to answer basic FAQs and provides a clear handoff to your team when a customer needs human assistance. Reach for this when you want to handle common customer inquiries automatically without hiring a web developer. - [About the newsroom, sourcing and corrections policy](https://mcafax.com/notebook/about) ### Business Funding — https://mcafax.com/notebook/section/funding Grants, SBA loans, MCAs, and everything in between — what each one really costs and who actually qualifies. - [Merchant Cash Advance vs Business Loan: Which to Take (2026)](https://mcafax.com/notebook/merchant-cash-advance-vs-business-loan): An MCA is fast but takes money out daily. A loan is slower but usually cheaper. How to choose in 2026 and compare both offers in dollars. ([markdown](https://mcafax.com/notebook/merchant-cash-advance-vs-business-loan.md)) - [Emergency Business Funding: Where to Get Help Fast (2026)](https://mcafax.com/notebook/emergency-business-funding): Need emergency money for your business in 2026? Check disaster loans, local emergency grants and your bank first, and avoid the costly traps. ([markdown](https://mcafax.com/notebook/emergency-business-funding.md)) - [Revenue-Based Financing vs a Merchant Cash Advance (2026)](https://mcafax.com/notebook/revenue-based-financing-vs-merchant-cash-advance): Revenue-based financing and MCAs both take a cut of your sales. How they really differ in 2026, and how to compare two offers in dollars. ([markdown](https://mcafax.com/notebook/revenue-based-financing-vs-merchant-cash-advance.md)) - [Business Funding Without a Broker (2026): Apply Direct](https://mcafax.com/notebook/business-funding-without-a-broker): You don't need a broker. Apply direct to banks, SBA lenders via Lender Match, CDFIs and other programs. Here's how in 2026, and what to watch for. ([markdown](https://mcafax.com/notebook/business-funding-without-a-broker.md)) - [How Much Business Funding Can I Get? (2026 Guide)](https://mcafax.com/notebook/how-much-business-funding-can-i-get): There's no fixed number: lenders size offers from your revenue, cash flow, time in business, credit and existing debt. Here's how it works in 2026. ([markdown](https://mcafax.com/notebook/how-much-business-funding-can-i-get.md)) - [How do you qualify for an SBA loan?](https://mcafax.com/notebook/how-to-qualify-for-an-sba-loan): To qualify for an SBA loan, your business generally must be a for-profit U.S. small business that can repay from cash flow, with owners of good character who invest their own money, and it can't get the same credit on reasonable terms elsewhere. You apply through an SBA lender; SBA never requires a paid broker. ([markdown](https://mcafax.com/notebook/how-to-qualify-for-an-sba-loan.md)) - [Can you get a business loan with no credit history?](https://mcafax.com/notebook/business-loan-no-credit-history): Yes, but your options are narrower. An empty credit file isn't the same as a low score, so look for funding that weighs something else: SBA Microloans and nonprofit or CDFI lenders that review your business plan, a secured card or credit-builder loan, equipment financing backed by the equipment, and grants. Skip anyone who promises approval before seeing your file. ([markdown](https://mcafax.com/notebook/business-loan-no-credit-history.md)) - [Merchant Cash Advance Alternatives (2026): Cheaper Options, Cheapest First](https://mcafax.com/notebook/merchant-cash-advance-alternatives): In our $50,000 example, a merchant cash advance costs about 126% APR. Here are the cheaper options to check first, how to compare any offer, and what to do if you already have an advance. ([markdown](https://mcafax.com/notebook/merchant-cash-advance-alternatives.md)) - [How to get funding for a startup or brand-new business (2026)](https://mcafax.com/notebook/startup-business-funding): Almost every fast-money offer wants months of deposits. A brand-new business has none, and that's who it targets. ([markdown](https://mcafax.com/notebook/startup-business-funding.md)) - [The fastest business funding, and what speed costs (2026)](https://mcafax.com/notebook/fastest-business-funding): Fast money is priced for people who can't wait. Waiting one more week can save you thousands. ([markdown](https://mcafax.com/notebook/fastest-business-funding.md)) - [How to get a business loan with bad credit (2026)](https://mcafax.com/notebook/bad-credit-business-loans): Six ways to borrow with a low score, best first, plus what to fix before you apply and the red flags that target bad-credit owners. ([markdown](https://mcafax.com/notebook/bad-credit-business-loans.md)) - [Small business grants open now: October 2026](https://mcafax.com/notebook/small-business-grants-open-now): A real grant never costs you money to receive. All four on this list are free to apply. ([markdown](https://mcafax.com/notebook/small-business-grants-open-now.md)) - [Where can I get funding for my business? (2026)](https://mcafax.com/notebook/where-to-get-business-funding): You can get funding for your business from four places, cheapest first: grant programs, an SBA loan from a bank, credit union or nonprofit microlender, a line of credit at your own bank, and equipment or invoice financing. You can apply to all of them yourself, without a broker. ([markdown](https://mcafax.com/notebook/where-to-get-business-funding.md)) - [Your 5-year lease just made this SBA payment $3,360 a month higher](https://mcafax.com/notebook/sba-7a-leasehold-improvements-lease-term): Your lease length can cap your loan length. ([markdown](https://mcafax.com/notebook/sba-7a-leasehold-improvements-lease-term.md)) - [$2,500 Cash for a 350-word idea due this week, plus a $10,000 monthly grant for women founders](https://mcafax.com/notebook/grant-finder-2026-10-20-2500-pitch-10k-women): Win $2,500 for a 350-word idea due this week, or apply for a $10,000 monthly grant for women founders. Five grants checked Oct 20, 2026. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-20-2500-pitch-10k-women.md)) - [Your new partner wants 50%. At 49%, the lender can waive $60K.](https://mcafax.com/notebook/sba-7a-owner-buyout-24-month-rule): At 49%, that same $60,000 could be cut to zero. ([markdown](https://mcafax.com/notebook/sba-7a-owner-buyout-24-month-rule.md)) - [Up to $3,500 for a photo-worthy storefront opens today, plus $15K grants for women due Oct 31](https://mcafax.com/notebook/grant-finder-2026-10-19-3500-storefront-15k-women): Five grants verified Oct 19: Mission Viejo up to $3,500 opens today, Amber Grant $15,000 Oct 31, BIPOC brands up to $10,000, student pitches $2,000 and $1,000. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-19-3500-storefront-15k-women.md)) - [Nine 1-star reviews by lunch. Then a text: "$150 each to delete them."](https://mcafax.com/notebook/scam-report-fake-review-extortion): Fake 1-star reviews pile up, then a text demands $150 each to delete them. Red flags, what to do, and where to report review extortion. ([markdown](https://mcafax.com/notebook/scam-report-fake-review-extortion.md)) - [Borrow $35K less and this SBA fee drops from $19,294 to $0](https://mcafax.com/notebook/sba-7a-guaranty-fee-brackets): For SBA 7(a) loans approved in FY 2027, the upfront guaranty fee is 0% for manufacturers, listed food supply chain and rural businesses at $700,000 or less. See the bracket math. ([markdown](https://mcafax.com/notebook/sba-7a-guaranty-fee-brackets.md)) - [Up to $400K to quit your job and build in New Jersey, plus a $50K top prize due Oct 26](https://mcafax.com/notebook/grant-finder-2026-10-18-400k-quit-your-job-50k-idea-leap): Five grants verified Oct 18: NJ Innovation Fellows up to $400,000 Dec 4, Idea Leap $50,000 top prize Oct 26, Verizon $10,000, Roanoke $15,000, teen $1,500. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-18-400k-quit-your-job-50k-idea-leap.md)) - [$250,000 Climate prize due Nov 20, $15,000 in Denver](https://mcafax.com/notebook/grant-finder-2026-10-17-250k-climate-prize-15k-denver): Five grants verified Oct 17: Wilkes $250,000 closes Nov 20, Denver up to $15,000 Nov 10, Chicago up to $150,000 Nov 30, IFW $5,000, UNO $1,700 Oct 30. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-17-250k-climate-prize-15k-denver.md)) - [The check was $4,500 too big. "Just Zelle my painter the rest."](https://mcafax.com/notebook/scam-report-fake-overpayment-check): A client overpays with a cashier's check and asks you to Zelle the extra to his painter. Red flags, what to do, and where to report it. ([markdown](https://mcafax.com/notebook/scam-report-fake-overpayment-check.md)) - [48% Real estate sank this $1M SBA loan. 51% would have saved it.](https://mcafax.com/notebook/sba-7a-blended-maturity-real-estate): A 7(a) loan with 51% or more real estate can run up to 25 years. Below that, the term blends down, and that can change DSCR. ([markdown](https://mcafax.com/notebook/sba-7a-blended-maturity-real-estate.md)) - [CDFI Business Loans (2026): What They Are, How to Find One](https://mcafax.com/notebook/cdfi-business-loans): What is a CDFI loan? How Treasury-certified community lenders fund small businesses in 2026, who qualifies, and how to find one near you. ([markdown](https://mcafax.com/notebook/cdfi-business-loans.md)) - [Business Loan Interest Rates: What's a Good Rate? (2026)](https://mcafax.com/notebook/business-loan-interest-rates): What is a good business loan interest rate in 2026? See the SBA 7(a) rate caps, how prime sets them, and how to compare APR and total cost before you sign. ([markdown](https://mcafax.com/notebook/business-loan-interest-rates.md)) - [Best Small Business Funding Options, Compared (2026)](https://mcafax.com/notebook/best-business-funding-options-compared): Small business funding options for 2026, compared by type: cost, speed, credit needed and where to apply. Cheapest first. No lender rankings. ([markdown](https://mcafax.com/notebook/best-business-funding-options-compared.md)) - [$210K in your brokerage account just cut this SBA loan in half](https://mcafax.com/notebook/sba-7a-credit-elsewhere-test): Your SBA lender must check whether owner cash could fund part of a 7(a) loan. Here is how a made-up founder's $210K brokerage account cut his loan in half. ([markdown](https://mcafax.com/notebook/sba-7a-credit-elsewhere-test.md)) - [Up to $15K to move your home business into a storefront, plus a free $5K student prize](https://mcafax.com/notebook/grant-finder-2026-10-16-15k-home-business-5k-student-prize): $15,000 To get your business out of the spare bedroom. One Virginia county will match that move dollar for dollar, and the window closes Monday, November 30. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-16-15k-home-business-5k-student-prize.md)) - [Working capital loans: how to get one](https://mcafax.com/notebook/working-capital-loans): A working capital loan covers day-to-day costs like payroll, inventory and rent while you wait for revenue to come in. In 2026 the cheaper routes are usually a line of credit or term loan from your own bank, an SBA-backed loan or line, or invoice financing. Know your amount, show how cash flow repays it, and compare total cost first. ([markdown](https://mcafax.com/notebook/working-capital-loans.md)) - [Business loan with no collateral](https://mcafax.com/notebook/business-loan-with-no-collateral): Yes, you can sometimes get a business loan with no collateral in 2026. Unsecured loans and lines of credit do not ask you to pledge a specific asset, but lenders still check credit and cash flow and often require a personal guarantee. Start with your own bank or an SBA lender, get every offer in writing, and compare total cost before you sign. ([markdown](https://mcafax.com/notebook/business-loan-with-no-collateral.md)) - [How to get a small business loan](https://mcafax.com/notebook/how-to-get-a-small-business-loan): To get a small business loan in 2026, decide exactly how much you need and what it is for, check your credit and cash flow, pick the loan type that fits, gather your documents, then apply directly with two or three banks, credit unions or SBA lenders. Compare every written offer on total cost, term, collateral and personal guarantee before signing. ([markdown](https://mcafax.com/notebook/how-to-get-a-small-business-loan.md)) - [The Adjuster Funded Him First. I Was Second.](https://mcafax.com/notebook/the-adjuster-funded-him-first-i-was-second): "I'm not a criminal. I'm wet." ([markdown](https://mcafax.com/notebook/the-adjuster-funded-him-first-i-was-second.md)) - [Small Business Grants in Massachusetts: Boston, MLSC](https://mcafax.com/notebook/small-business-grants-massachusetts): Massachusetts small business grants checked October 14, 2026: Boston storefront grants up to $200,000, MLSC grants and one national option. ([markdown](https://mcafax.com/notebook/small-business-grants-massachusetts.md)) - [Small Business Grants in Colorado: Denver and Green Grants](https://mcafax.com/notebook/small-business-grants-colorado): Colorado small business grants checked October 14, 2026: Denver's construction grants up to $15,000, state green business grants and more. ([markdown](https://mcafax.com/notebook/small-business-grants-colorado.md)) - [Small Business Grants in Virginia: Roanoke and Mecklenburg](https://mcafax.com/notebook/small-business-grants-virginia): Virginia small business grants checked October 14, 2026: Roanoke County equipment grants up to $15,000, Mecklenburg County, and more. ([markdown](https://mcafax.com/notebook/small-business-grants-virginia.md)) - [Small Business Grants in New Jersey: What Is Open Now](https://mcafax.com/notebook/small-business-grants-new-jersey): New Jersey small business grants checked October 14, 2026: NJEDA's founder grants up to $400,000, plus two national options open now. ([markdown](https://mcafax.com/notebook/small-business-grants-new-jersey.md)) - [Small Business Grants in Michigan: Safety and Facade Grants](https://mcafax.com/notebook/small-business-grants-michigan): Michigan small business grants checked October 14, 2026: MIOSHA's $5,000 safety match, a Norway facade grant, and one national option. ([markdown](https://mcafax.com/notebook/small-business-grants-michigan.md)) - [Small Business Grants in Tennessee: Chattanooga, Cookeville](https://mcafax.com/notebook/small-business-grants-tennessee): Tennessee small business grants checked October 14, 2026: Idea Leap with a $50,000 top prize, the Start Here pitch, and one national option. ([markdown](https://mcafax.com/notebook/small-business-grants-tennessee.md)) - [Small Business Grants in Georgia: Atlanta, Cobb, Decatur](https://mcafax.com/notebook/small-business-grants-georgia): Georgia small business grants checked October 14, 2026: Invest Atlanta, Cobb County, Decatur, Northwest Georgia and what is open now. ([markdown](https://mcafax.com/notebook/small-business-grants-georgia.md)) - [Small Business Grants in Ohio: Cuyahoga, Huber Heights](https://mcafax.com/notebook/small-business-grants-ohio): Ohio small business grants checked October 14, 2026: Cuyahoga County's $1,000 to $10,000 grants, Huber Heights and one national option. ([markdown](https://mcafax.com/notebook/small-business-grants-ohio.md)) - [Rural Small Business Grants: USDA and State Options (2026)](https://mcafax.com/notebook/rural-small-business-grants): Who really gets USDA rural business grants, which USDA windows are open as of October 14, 2026, and three rural grants and prizes open now. ([markdown](https://mcafax.com/notebook/rural-small-business-grants.md)) - [Grants for Sole Proprietors and Home-Based Businesses (2026)](https://mcafax.com/notebook/grants-for-sole-proprietors): Can a sole proprietor or home-based business win a grant? Yes, if the rules allow it. Three programs open to one-person businesses, checked today. ([markdown](https://mcafax.com/notebook/grants-for-sole-proprietors.md)) - [Grants for Veteran-Owned Businesses (2026)](https://mcafax.com/notebook/grants-for-veteran-owned-businesses): Veteran business grants checked October 14, 2026: two veteran-only programs, one open to all, what SBA offers instead of cash, and scam signs. ([markdown](https://mcafax.com/notebook/grants-for-veteran-owned-businesses.md)) - [Grants to Start a Business: What Is Real (2026)](https://mcafax.com/notebook/startup-business-grants): USA.gov says there are no federal grants to start a business. Here is what is real in 2026: research grants, startup contests and free help. ([markdown](https://mcafax.com/notebook/startup-business-grants.md)) - [Grants for Minority-Owned Businesses (2026)](https://mcafax.com/notebook/grants-for-minority-owned-businesses): Grants for Black-, Hispanic- and other minority-owned businesses: three open programs checked October 14, 2026, free help, and scam signs. ([markdown](https://mcafax.com/notebook/grants-for-minority-owned-businesses.md)) - [Grants for Women-Owned Businesses (2026)](https://mcafax.com/notebook/grants-for-women-owned-businesses): Real grants for women-owned businesses in 2026: three open programs checked on official pages, free SBA help, and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/grants-for-women-owned-businesses.md)) - [A $340K SBA loan can legally cost 1.5 points more than a $360K one](https://mcafax.com/notebook/sba-7a-interest-rate-caps): SBA doesn't set your rate. It sets a ceiling. ([markdown](https://mcafax.com/notebook/sba-7a-interest-rate-caps.md)) - [How to Get an SBA Microloan (2026)](https://mcafax.com/notebook/how-to-get-an-sba-microloan): How to get an SBA microloan in 2026: find an intermediary, eligibility basics, documents to gather, apply steps, and what to compare. ([markdown](https://mcafax.com/notebook/how-to-get-an-sba-microloan.md)) - [A free $1,000 grant closes Oct 22, and veterans can still chase $25K](https://mcafax.com/notebook/grant-finder-2026-10-15-1k-coach-k-25k-veterans): Five grants verified Oct 15: Coach K $1K closes Oct 22, Camden $10K and Norway $20K close Oct 30, Boston ReStore Nov 1, veterans up to $25K. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-15-1k-coach-k-25k-veterans.md)) - [Small Business Grants in North Carolina: Official Programs](https://mcafax.com/notebook/small-business-grants-north-carolina): North Carolina small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-north-carolina.md)) - [Small Business Grants in New York: Official Programs](https://mcafax.com/notebook/small-business-grants-new-york): New York small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-new-york.md)) - [Small Business Grants in Florida: Official Programs](https://mcafax.com/notebook/small-business-grants-florida): Florida small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-florida.md)) - [Small Business Grants in Pennsylvania: Official Programs](https://mcafax.com/notebook/small-business-grants-pennsylvania): Pennsylvania small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-pennsylvania.md)) - [Small Business Grants in Illinois: Official Programs](https://mcafax.com/notebook/small-business-grants-illinois): Illinois small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-illinois.md)) - [Small Business Grants in Washington: Official Programs](https://mcafax.com/notebook/small-business-grants-washington): Washington small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-washington.md)) - [Small Business Grants in Arizona: Official Programs](https://mcafax.com/notebook/small-business-grants-arizona): Arizona small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-arizona.md)) - [Small Business Grants in Texas: Official Programs](https://mcafax.com/notebook/small-business-grants-texas): Texas small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-texas.md)) - [Small Business Grants in California: Official Programs](https://mcafax.com/notebook/small-business-grants-california): California small business grants from official state and city sources, checked October 14, 2026. Who qualifies and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants-california.md)) - [How to Apply for a Small Business Grant](https://mcafax.com/notebook/how-to-apply-for-a-small-business-grant): Check eligibility, register on SAM.gov and Grants.gov for federal grants, build a budget tied to allowed costs, and avoid grant scams. ([markdown](https://mcafax.com/notebook/how-to-apply-for-a-small-business-grant.md)) - [Small Business Grants: What Is Real and Where to Look](https://mcafax.com/notebook/small-business-grants): Federal grants rarely fund everyday business costs. See which grants are real (SBIR, state and city programs), who qualifies, and how to avoid grant scams. ([markdown](https://mcafax.com/notebook/small-business-grants.md)) - [How to Get a Business Line of Credit (2026)](https://mcafax.com/notebook/how-to-get-a-business-line-of-credit): How to get a business line of credit in 2026: what lenders check, documents to gather, how draws and repayment work, SBA revolving lines, what to compare. ([markdown](https://mcafax.com/notebook/how-to-get-a-business-line-of-credit.md)) - [What Documents Do I Need for a Business Loan? (2026)](https://mcafax.com/notebook/what-documents-do-i-need-for-a-business-loan): Business-loan document checklist for 2026: bank statements, tax returns, entity papers, ID, debt schedule, plus SBA Form 1919 and 413 for SBA loans. ([markdown](https://mcafax.com/notebook/what-documents-do-i-need-for-a-business-loan.md)) - [Your tenants pay the mortgage? SBA says you need 51% first](https://mcafax.com/notebook/sba-7a-owner-occupancy-51-percent): The tenants' $3,900 a month is a bonus, not the plan. ([markdown](https://mcafax.com/notebook/sba-7a-owner-occupancy-51-percent.md)) - [Intuit's $5K cohort closes tomorrow, and up to $90K for projects serving women and girls closes Friday](https://mcafax.com/notebook/grant-finder-2026-10-14-5k-intuit-90k-pave-her-way): Five grants verified Oct 13: Intuit $5K closes Oct 15, Pave HER Way up to $90K closes Oct 16, NEN campus pitch, Columbia Fast Pitch, Santa Clarita up to $35K. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-14-5k-intuit-90k-pave-her-way.md)) - [Business Loan Denied? What to Do Next (2026)](https://mcafax.com/notebook/business-loan-denied-what-to-do-next): Turned down for a business loan in 2026? Ask for the reasons in writing, fix what you can, and compare better options before taking a fast MCA offer. ([markdown](https://mcafax.com/notebook/business-loan-denied-what-to-do-next.md)) - [How to Get Equipment Financing for a Small Business (2026)](https://mcafax.com/notebook/how-to-get-equipment-financing): Where small businesses get equipment loans and leases in 2026: your bank, SBA 7(a) and 504, dealers and lessors. Steps, loan vs lease, and scams to avoid. ([markdown](https://mcafax.com/notebook/how-to-get-equipment-financing.md)) - [Business Line of Credit vs. Merchant Cash Advance (2026)](https://mcafax.com/notebook/business-line-of-credit-vs-merchant-cash-advance): A line of credit is usually far cheaper; an MCA is faster and easier to get. How each works, what each costs, and how to pick the right one in 2026. ([markdown](https://mcafax.com/notebook/business-line-of-credit-vs-merchant-cash-advance.md)) - [He Read Me the Wrong Last Four](https://mcafax.com/notebook/he-read-me-the-wrong-last-four): Different desks. They never talk to each other. ([markdown](https://mcafax.com/notebook/he-read-me-the-wrong-last-four.md)) - [Paid a $45K franchise fee? Check this SBA list before you sign the lease](https://mcafax.com/notebook/sba-7a-franchise-directory-check): Under SBA SOP 50 10 8.1, a franchise must be on the SBA Franchise Directory before a 7(a) loan can move. Check yours before you pay a fee or sign a lease. ([markdown](https://mcafax.com/notebook/sba-7a-franchise-directory-check.md)) - [Up to $30K from Flagstaff if you match it, and an Ohio grant that closes Friday](https://mcafax.com/notebook/grant-finder-2026-10-13-30k-flagstaff-match-ohio-friday): Five grants verified Oct 12: up to $30K in Flagstaff with a cash match, Huber Heights closes Oct 16, Tucson up to $10K, veteran prizes, $10K from Skip. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-13-30k-flagstaff-match-ohio-friday.md)) - [Is a Merchant Cash Advance a Good Idea? (2026 Answer)](https://mcafax.com/notebook/is-a-merchant-cash-advance-a-good-idea): Usually not. An MCA is fast but often the most expensive money a business can take. When it can make sense, what it really costs, and what to try first. ([markdown](https://mcafax.com/notebook/is-a-merchant-cash-advance-a-good-idea.md)) - [How to Refinance a Merchant Cash Advance (2026 Guide)](https://mcafax.com/notebook/how-to-refinance-a-merchant-cash-advance): You can't refinance an MCA like a normal loan. You replace it: a payoff letter, a new loan that pays it off, and a UCC release. Here's how in 2026. ([markdown](https://mcafax.com/notebook/how-to-refinance-a-merchant-cash-advance.md)) - [Pay off your SBA loan in year 2 and owe SBA $35K](https://mcafax.com/notebook/sba-7a-subsidy-recoupment-prepayment-fee): Paying off an SBA 7(a) loan early can trigger a 5%, 3% or 1% SBA fee under SOP 50 10 8.1. Here's when it applies and how to time your payoff. ([markdown](https://mcafax.com/notebook/sba-7a-subsidy-recoupment-prepayment-fee.md)) - [Up to $250K for a Chicago storefront, and a $10K prize pool for student ideas due Oct 25](https://mcafax.com/notebook/grant-finder-2026-10-12-250k-chicago-storefront-10k-student): Four grants verified Oct 11: up to $250K for Chicago storefronts, a $10K prize pool for Montana State student ideas, and up to $5K a hit for Seattle repairs. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-12-250k-chicago-storefront-10k-student.md)) - [You settled your old EIDL for $18K. Now SBA won't touch your new business.](https://mcafax.com/notebook/sba-7a-prior-loss-eidl-settlement): Settled an old COVID EIDL for less than you owed? Under SBA SOP 50 10 8.1 that can count as a prior loss and block a new 7(a) loan. Here's the fix. ([markdown](https://mcafax.com/notebook/sba-7a-prior-loss-eidl-settlement.md)) - [$10K for founders 29 and under, and 3 grants close this week](https://mcafax.com/notebook/grant-finder-2026-10-11-10k-under-29-three-close-this-week): Four grants closing soon: $10K for founders 29 and under, an Alabama HBCU pitch, up to $20K for a New Orleans storefront and up to $10K in Albany. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-11-10k-under-29-three-close-this-week.md)) - [Your green-card co-founder owns 5%. SBA says no loan.](https://mcafax.com/notebook/sba-7a-citizenship-ownership-rule): Under SBA SOP 50 10 8.1, every owner of a 7(a) borrower must be a U.S. citizen or national. A green card isn't enough, even for a 5% stake. Here's the fix. ([markdown](https://mcafax.com/notebook/sba-7a-citizenship-ownership-rule.md)) - [$50K, no equity, no registered business needed. It closes Friday.](https://mcafax.com/notebook/grant-finder-2026-10-10-50k-big-idea-oct16): $50K, no equity, no registered business needed: a Pennsylvania idea contest closes Oct 16, plus 3 smaller grants with better odds. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-10-50k-big-idea-oct16.md)) - [QuickBooks Capital vs Merchant Cash Advance (2026): The Real Cost](https://mcafax.com/notebook/quickbooks-capital-vs-merchant-cash-advance): QuickBooks Capital charges 9.99%-36% APR. A merchant cash advance quotes a factor rate. Convert one to the other and see which costs more in 2026. ([markdown](https://mcafax.com/notebook/quickbooks-capital-vs-merchant-cash-advance.md)) - [QuickBooks Capital Alternatives (2026): What to Try If You're Declined](https://mcafax.com/notebook/quickbooks-capital-alternatives): Turned down by QuickBooks Capital or not on QuickBooks? 2026 alternatives by reason: credit under 620, under $50,000 revenue, a bankruptcy and more. ([markdown](https://mcafax.com/notebook/quickbooks-capital-alternatives.md)) - [SBA Can Make a Broker Refund That $18K "Only If Approved" Fee](https://mcafax.com/notebook/sba-7a-form-159-agent-fees): That $18K "only if approved" packager fee is banned under SOP 50 10 8.1. Form 159, fee caps, and a $900K worked example. ([markdown](https://mcafax.com/notebook/sba-7a-form-159-agent-fees.md)) - [$4,000 For Wisconsin women founders closes in 3 days](https://mcafax.com/notebook/grant-finder-2026-10-09-4k-wisconsin-women-oct12): $4,000 Is on the table for women founders ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-09-4k-wisconsin-women-oct12.md)) - [$12,000 For a high school team, and a $10K county grant that closes Oct 31](https://mcafax.com/notebook/grant-finder-2026-10-08-12k-high-school-10k-county): If someone cold-calls you about a grant you never applied for, hang up. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-08-12k-high-school-10k-county.md)) - [Dropping to 19% won't get you off a $600K SBA guaranty](https://mcafax.com/notebook/sba-7a-personal-guaranty-six-month-lookback): The 20% line has a six-month memory. ([markdown](https://mcafax.com/notebook/sba-7a-personal-guaranty-six-month-lookback.md)) - [The bank cut $90K from your SBA loan. It was the MCA payoff.](https://mcafax.com/notebook/sba-7a-mca-refinance-rules): An active MCA cannot be refinanced with a 7(a) loan. ([markdown](https://mcafax.com/notebook/sba-7a-mca-refinance-rules.md)) - [He Declined the Engine. Then It Died Under Him.](https://mcafax.com/notebook/he-declined-the-engine-then-it-died-under-him): "You're also fourteen miles out on a boat going five knots." ([markdown](https://mcafax.com/notebook/he-declined-the-engine-then-it-died-under-him.md)) - [$250K to drop out, and a $5K grant with a step you must do first](https://mcafax.com/notebook/grant-finder-2026-10-07-250k-drop-out-5k-microgrant): $250,000, No equity, one condition: you leave college. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-07-250k-drop-out-5k-microgrant.md)) - [QuickBooks says $203K. The IRS says $136K. Guess which number underwriting uses.](https://mcafax.com/notebook/sba-7a-irs-tax-transcripts): Size the loan off the transcript number, not your dashboard. ([markdown](https://mcafax.com/notebook/sba-7a-irs-tax-transcripts.md)) - [1,100 Broker Voicemails. Track Nine Was Mine.](https://mcafax.com/notebook/1100-broker-voicemails-track-nine-was-mine): "Track nine. Why do you think I called you back?" ([markdown](https://mcafax.com/notebook/1100-broker-voicemails-track-nine-was-mine.md)) - [One beauty founder gets $100K, and a $5K grant is a random draw](https://mcafax.com/notebook/grant-finder-2026-10-06-100k-beauty-5k-random-draw): Entreprenista draws one $5,000 winner at random from a short online form. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-06-100k-beauty-5k-random-draw.md)) - [$430K of business assets, $205K of collateral. Guess what covers the $275K gap?](https://mcafax.com/notebook/sba-7a-collateral-shortfall-home-equity): A thin collateral file does not kill a deal with strong cash flow. ([markdown](https://mcafax.com/notebook/sba-7a-collateral-shortfall-home-equity.md)) - [$10K for 15 slides and a video, plus 3 more grants still open](https://mcafax.com/notebook/grant-finder-2026-10-05-15-slide-pitch-prize): 15 Slides, a five-minute video, and no business plan. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-05-15-slide-pitch-prize.md)) - [Underwriting killed the deal at 1.08x, not at the pitch](https://mcafax.com/notebook/sba-7a-historical-dscr-not-projections): A pretty Year-2 slide does not rewrite last year's tax return. ([markdown](https://mcafax.com/notebook/sba-7a-historical-dscr-not-projections.md)) - [He Signed at 2:47. They Debited at 2:51](https://mcafax.com/notebook/he-signed-at-247-they-debited-at-251): Somebody else's debit had already won. ([markdown](https://mcafax.com/notebook/he-signed-at-247-they-debited-at-251.md)) - [$10K for women-led beauty brands closes in 5 days](https://mcafax.com/notebook/grant-finder-2026-10-04-oct9-beauty-grant): Five brands get $10,000 each. No equity. Applications close October 9. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-04-oct9-beauty-grant.md)) - [Your seller note can cover only $40K of the $80K SBA wants](https://mcafax.com/notebook/sba-7a-equity-injection-seller-note): On an SBA 7(a) buy, a seller note can cover only half of the 10% equity injection. Math, Form 155 standby, and a this-week checklist. ([markdown](https://mcafax.com/notebook/sba-7a-equity-injection-seller-note.md)) - [3 Grants close Oct 31 — one pays $10K for two free classes](https://mcafax.com/notebook/grant-finder-2026-10-03-oct31-deadlines): Verizon pays $10K for two free classes; Galaxy, Hey Helen and CCU grants close Oct 31; Georgetown TX closes Nov 2. Amounts, rules, official links. ([markdown](https://mcafax.com/notebook/grant-finder-2026-10-03-oct31-deadlines.md)) - [QuickBooks Capital Review (2026): Term Loans, Lines of Credit and Who Qualifies](https://mcafax.com/notebook/quickbooks-capital): QuickBooks Capital review (2026): WebBank term loans of $1,500-$250,000 at 9.99%-36% APR, a credit line up to $100,000, and who qualifies (620 FICO). ([markdown](https://mcafax.com/notebook/quickbooks-capital.md)) - [Resolve Review (2026): B2B Net Terms with Non-Recourse Advances](https://mcafax.com/notebook/resolve): Resolve review: B2B net terms advancing 50%-90% of invoices, risk-based fees. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/resolve.md)) - [Become Review (2026): Business Funding Marketplace with MatchScore](https://mcafax.com/notebook/become): Become review: a business-funding marketplace using its MatchScore tool. Paper Grade TBD; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/become.md)) - [Clarify Capital Review (2026): Business Loan Marketplace, 500 Credit Minimum](https://mcafax.com/notebook/clarify-capital): Clarify Capital review: a NY loan marketplace with 75+ lending partners. Paper Grade TBD; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/clarify-capital.md)) - [Clearco Review (2026): Revenue-Based Funding for E-Commerce Brands](https://mcafax.com/notebook/clearco): Clearco review: revenue-based funding up to $10M for DTC brands, a 2023 recapitalization. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/clearco.md)) - [Mr. Advance Review (2026): Merchant Cash Advances up to $1.5M, What We Could Verify](https://mcafax.com/notebook/mr-advance): Mr. Advance review: MCAs up to $1.5M with a 500+ recommended credit score. Paper Grade D; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/mr-advance.md)) - [Clover Capital Review (2026): Invitation-Only Merchant Cash Advances for Clover Merchants](https://mcafax.com/notebook/clover-capital): Clover Capital review: invitation-only MCAs for Clover merchants with 6+ months in business. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/clover-capital.md)) - [DoorDash Capital Review (2026): Sales-Based Financing for DoorDash Merchants via Parafin](https://mcafax.com/notebook/doordash-capital): DoorDash Capital review: sales-based financing with a one-time fee, provided through Parafin. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/doordash-capital.md)) - [Toast Capital Review (2026): $1K–$300K Restaurant Loans Repaid From Card Sales](https://mcafax.com/notebook/toast-capital): Toast Capital review: restaurant loans of $1K to $300K issued by WebBank, repaid from card sales. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/toast-capital.md)) - [Wayflyer Review (2026): Requirements for Revenue-Based Business Financing](https://mcafax.com/notebook/wayflyer): Wayflyer review: financing from $10K to $20M for $10K average monthly revenue, no personal guarantees. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/wayflyer.md)) - [Liberis Review (2026): Embedded Business Funding Through Partner Platforms](https://mcafax.com/notebook/liberis): Liberis review: embedded revenue-based funding via partners in 15 markets. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/liberis.md)) - [Parafin Review (2026): Embedded Financing on DoorDash, Amazon and More](https://mcafax.com/notebook/parafin): Parafin review: embedded sales-based financing via DoorDash, Amazon and Gusto; pending Stripe deal. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/parafin.md)) - [Wynwood Capital Group Review (2026): No-Credit-Check MCA, What We Could Verify](https://mcafax.com/notebook/wynwood-capital-group): Wynwood Capital Group review: same-day MCA approvals, no credit check, an ISO-facing site. Paper Grade D; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/wynwood-capital-group.md)) - [TVT Capital Review (2026): Bridge Loans and MCAs, What We Could Verify](https://mcafax.com/notebook/tvt-capital): TVT Capital review: bridge loans, 2nd-lien loans and MCAs from $25K to $25M. Paper Grade D; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/tvt-capital.md)) - [Fox Business Funding (Fox Funding) Review (2026): Requirements](https://mcafax.com/notebook/fox-business-funding): Fox Business Funding (Fox Funding) review: up to $1M for 550+ credit and 12+ months. Paper Grade C; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/fox-business-funding.md)) - [Altbanq Review (2026): Term Loans from $100K to $10M, What We Could Verify](https://mcafax.com/notebook/altbanq): Altbanq review: term loans from $100K to $10M, up to 24-month terms, no hard pull to apply. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/altbanq.md)) - [Funding Circle US Review (2026): No Longer Operating in the United States](https://mcafax.com/notebook/funding-circle): Funding Circle: no longer operating in the US after iBusiness Funding's 2024 deal. Paper Grade TBD; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/funding-circle.md)) - [American Express Business Line of Credit Review (2026): Requirements and Fees](https://mcafax.com/notebook/amex-business-line-of-credit): Amex Business Line of Credit review: $2K to $250K lines for 660+ credit, monthly fee pricing. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/amex-business-line-of-credit.md)) - [Lendini Review (2026): Revenue-Based Financing, What We Could Verify](https://mcafax.com/notebook/lendini): Lendini review: revenue-based financing from 3 to 4 months of bank statements, tie to Quick Fix Capital. Paper Grade C; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/lendini.md)) - [Amazon Lending Review (2026): How Seller Financing Works Now](https://mcafax.com/notebook/amazon-lending): Amazon Lending review: invitation-based financing for U.S. Amazon sellers via third parties. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/amazon-lending.md)) - [Stripe Capital Review (2026): Loans and MCAs for Stripe Businesses](https://mcafax.com/notebook/stripe-capital): Stripe Capital review: loans and MCAs for Stripe users, a flat fee repaid from sales. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/stripe-capital.md)) - [PayPal Working Capital Review (2026): Requirements, Fees, and Repayment](https://mcafax.com/notebook/paypal-working-capital): PayPal Working Capital review: $1K to $250K based on PayPal sales, one fixed fee. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/paypal-working-capital.md)) - [Shopify Capital Review (2026): Invitation-Only Funding for Shopify Sellers](https://mcafax.com/notebook/shopify-capital): Shopify Capital review: invitation-based funding up to $2M for Shopify merchants, repaid from sales. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/shopify-capital.md)) - [Square Loans Review (2026): How Square Capital Financing Works and What to Watch](https://mcafax.com/notebook/square-loans): Square Loans review: loans up to $350K for Square sellers, a flat fee repaid from daily card sales. Paper Grade A; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/square-loans.md)) - [Par Funding Review (2026): SEC Case, Receivership and Final Judgments](https://mcafax.com/notebook/par-funding): Par Funding review: a 2020 SEC action, receivership and a $196.9M judgment against its founders. Paper Grade TBD; Reputation Score 1.0/10. ([markdown](https://mcafax.com/notebook/par-funding.md)) - [RAM Capital Funding Review (2026): FTC Industry Ban and NY Appellate Ruling](https://mcafax.com/notebook/ram-capital-funding): RAM Capital Funding review: a 2022 FTC order banning RAM from MCAs and a $675K judgment. Paper Grade TBD; Reputation Score 1.0/10. ([markdown](https://mcafax.com/notebook/ram-capital-funding.md)) - [Richmond Capital Group (RCG Advances) Review (2026): FTC Ban and NY Court Rulings](https://mcafax.com/notebook/richmond-capital-group): Richmond Capital Group review: a 2022 FTC industry ban and a 2026 NY appellate ruling. Paper Grade TBD; Reputation Score 1.0/10. ([markdown](https://mcafax.com/notebook/richmond-capital-group.md)) - [Yellowstone Capital Review (2026): NY AG Settlement, MCA Ban and FTC Order](https://mcafax.com/notebook/yellowstone-capital): Yellowstone Capital review: a 2025 NY AG consent judgment and the 2021 FTC $9.8M order. Paper Grade D; Reputation Score 1.0/10. ([markdown](https://mcafax.com/notebook/yellowstone-capital.md)) - [Delta Bridge Funding (Cloudfund) Review (2026): NY AG Lawsuit Status](https://mcafax.com/notebook/delta-bridge-funding-cloudfund): Delta Bridge Funding (Cloudfund) review: the ongoing NY AG lawsuit tied to Yellowstone Capital. Paper Grade TBD; Reputation Score 2.0/10. ([markdown](https://mcafax.com/notebook/delta-bridge-funding-cloudfund.md)) - [Reliant Funding Review (2026): Requirements, California Consent Order, BBB C-](https://mcafax.com/notebook/reliant-funding): Reliant Funding review: MCAs for 500 credit, a 2020 California consent order, BBB C-. Paper Grade C; Reputation Score 2.5/10. ([markdown](https://mcafax.com/notebook/reliant-funding.md)) - [Kabbage Review (2026): What Happened to Kabbage, KServicing and the PPP Settlements](https://mcafax.com/notebook/kabbage): Kabbage review: KServicing stopped servicing loans in 2023 and settled PPP-related allegations. Paper Grade TBD; Reputation Score not yet scored. ([markdown](https://mcafax.com/notebook/kabbage.md)) - [Bankers Healthcare Group (BHG Financial) Review (2026): North Dakota Order, Loan Terms](https://mcafax.com/notebook/bankers-healthcare-group): BHG Financial review: a 2025 North Dakota order and $7.1M penalty that BHG says it appealed. Paper Grade A; Reputation Score 3.0/10. ([markdown](https://mcafax.com/notebook/bankers-healthcare-group.md)) - [Itria Ventures Review (2026): Biz2Credit Affiliate and the FTC PPP Order](https://mcafax.com/notebook/itria-ventures): Itria Ventures review: Biz2Credit-affiliated funder named in a 2024 FTC stipulated order. Paper Grade TBD; Reputation Score 3.0/10. ([markdown](https://mcafax.com/notebook/itria-ventures.md)) - [Biz2Credit Review (2026): Term Loan Requirements and the FTC PPP Settlement](https://mcafax.com/notebook/biz2credit): Biz2Credit review: term loans up to $2M, a 2024 FTC stipulated order over PPP processing claims. Paper Grade A; Reputation Score 3.5/10. ([markdown](https://mcafax.com/notebook/biz2credit.md)) - [Balboa Capital Review (2026): Now Ameris Bank Equipment Finance, BBB Data and a 2017 California Order](https://mcafax.com/notebook/balboa-capital): Balboa Capital review: equipment and short-term loans from $50K, a 2017 California consent order. Paper Grade A; Reputation Score 4.5/10. ([markdown](https://mcafax.com/notebook/balboa-capital.md)) - [YouLend Review (2026): Embedded Financing, 2026 Data Breach, BBB D Rating](https://mcafax.com/notebook/youlend): YouLend review: embedded financing via partners, a June 2026 data breach and class action, BBB D. Paper Grade A; Reputation Score 4.5/10. ([markdown](https://mcafax.com/notebook/youlend.md)) - [Pipe Review (2026): Embedded Revenue-Based Capital and a 2024 SEC Order](https://mcafax.com/notebook/pipe): Pipe review: embedded capital repaid from sales, a 2024 SEC order over late Form D filings. Paper Grade A; Reputation Score 5.0/10. ([markdown](https://mcafax.com/notebook/pipe.md)) - [Capchase Review (2026): Vendor Financing for B2B Tech Purchases, BBB F](https://mcafax.com/notebook/capchase): Capchase review: B2B vendor financing for tech buyers, BBB F for unanswered complaints. Paper Grade A; Reputation Score 5.0/10. ([markdown](https://mcafax.com/notebook/capchase.md)) - [Shore Funding Solutions Review (2026): Funding Broker, BBB A+, Complaints and a 2018 California Penalty](https://mcafax.com/notebook/shore-funding-solutions): Shore Funding Solutions review: NY broker for loans up to $5M, a 2018 California settlement. Paper Grade TBD; Reputation Score 5.5/10. ([markdown](https://mcafax.com/notebook/shore-funding-solutions.md)) - [Bitty Advance Review (2026): Requirements, Fees and Reported Complaints](https://mcafax.com/notebook/bitty-advance): Bitty Advance review: advances of $1K to $50K for 500 credit and 6 months, reported complaint themes. Paper Grade C; Reputation Score 5.5/10. ([markdown](https://mcafax.com/notebook/bitty-advance.md)) - [Kapitus Review (2026): Term Loans, MCAs, Requirements, and BBB Record](https://mcafax.com/notebook/kapitus): Kapitus review: term loans and MCAs up to $750K, 625 credit and 2 years, a BBB F rating. Paper Grade A; Reputation Score 5.5/10. ([markdown](https://mcafax.com/notebook/kapitus.md)) - [Small Business Funding Review (2026): Up to $500K Through a Lender Network, BBB F Rating](https://mcafax.com/notebook/small-business-funding): Small Business Funding review: up to $500K via a lender network, BBB F over use of the BBB name. Paper Grade TBD; Reputation Score 6.0/10. ([markdown](https://mcafax.com/notebook/small-business-funding.md)) - [IBusiness Funding Review (2026): SBA 7(a), USDA and Term Loans, BBB Data](https://mcafax.com/notebook/ibusiness-funding): iBusiness Funding review: SBA 7(a) loans with a 640 FICO minimum, USDA and term loans. Paper Grade A; Reputation Score 6.0/10. ([markdown](https://mcafax.com/notebook/ibusiness-funding.md)) - [Fenix Capital Funding Review (2026): MCA Process, Terms Example, BBB Reviews](https://mcafax.com/notebook/fenix-capital-funding): Fenix Capital Funding review: direct MCA funder with pre-approvals up to $200K, BBB data. Paper Grade C; Reputation Score 6.0/10. ([markdown](https://mcafax.com/notebook/fenix-capital-funding.md)) - [Fundomate Review (2026): Working Capital up to $500K, BBB and Court Record](https://mcafax.com/notebook/fundomate): Fundomate review: working capital up to $500K+ with up to 18-month terms, a 2025 employment judgment. Paper Grade TBD; Reputation Score 6.0/10. ([markdown](https://mcafax.com/notebook/fundomate.md)) - [CAN Capital Review (2026): Working Capital Loan Requirements and Record](https://mcafax.com/notebook/can-capital): CAN Capital review: loans of $2,500 to $400K made by WebBank, 600 FICO, a 2020 SEC settlement. Paper Grade A; Reputation Score 6.0/10. ([markdown](https://mcafax.com/notebook/can-capital.md)) - [Splash Advance Review (2026): High-Risk Working Capital up to $1M, BBB Data](https://mcafax.com/notebook/splash-advance): Splash Advance review: a Boca Raton funder offering working capital up to $1M, a 2021 usury suit. Paper Grade D; Reputation Score 6.5/10. ([markdown](https://mcafax.com/notebook/splash-advance.md)) - [CFG Merchant Solutions Review (2026): Revenue-Based Financing, BBB Complaints](https://mcafax.com/notebook/cfg-merchant-solutions): CFG Merchant Solutions review: revenue-based financing and loans, BBB A+ with 14 complaints. Paper Grade C; Reputation Score 6.5/10. ([markdown](https://mcafax.com/notebook/cfg-merchant-solutions.md)) - [Lendio Review (2026): How the Marketplace Works and Reported Issues](https://mcafax.com/notebook/lendio): Lendio review: a loan marketplace with 75+ lenders, BBB complaints, a 2020 FTC/SBA warning letter. Paper Grade TBD; Reputation Score 6.5/10. ([markdown](https://mcafax.com/notebook/lendio.md)) - [Byzfunder Review (2026): Requirements, Data-Breach Class Action, and Record](https://mcafax.com/notebook/byzfunder): Byzfunder review: revenue-based funding up to $500K, no hard pull, a pending data-breach class action. Paper Grade C; Reputation Score 6.5/10. ([markdown](https://mcafax.com/notebook/byzfunder.md)) - [Bluevine Review (2026): Line of Credit Requirements and What Customers Report](https://mcafax.com/notebook/bluevine): Bluevine review: credit lines up to $250K with 625 FICO and $10K/month minimums, BBB A+. Paper Grade A; Reputation Score 6.5/10. ([markdown](https://mcafax.com/notebook/bluevine.md)) - [Credit Key Review (2026): B2B Buy Now, Pay Later at Checkout, BBB Data](https://mcafax.com/notebook/credit-key): Credit Key review: B2B buy now, pay later with terms up to 24 months, loans made by Lead Bank. Paper Grade A; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/credit-key.md)) - [SmartBiz Bank Review (2026): SBA 7(a) Loans, 660+ Credit, 3+ Years](https://mcafax.com/notebook/smartbiz): SmartBiz Bank review: SBA 7(a) loans of $50K to $350K for 3+ years, $250K+ revenue and 660+ credit. Paper Grade A; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/smartbiz.md)) - [Torro Review (2026): Startup and Business Capital, BBB Fee Complaints](https://mcafax.com/notebook/torro): Torro review: startup capital from $25K and business capital up to $575K, reported fee complaints. Paper Grade D; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/torro.md)) - [Newtek Review (2026): Newtek Bank Business Loans from $5K to $15M, BBB Complaints](https://mcafax.com/notebook/newtek): Newtek review: business and SBA loans from $5K to $15M made by Newtek Bank, N.A., BBB data. Paper Grade A; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/newtek.md)) - [Vox Funding Review (2026): Revenue Advance Requirements, BBB Reviews](https://mcafax.com/notebook/vox-funding): Vox Funding review: revenue advances for 1 year and $10K monthly revenue, soft credit pull, BBB A+. Paper Grade B; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/vox-funding.md)) - [Lendistry Review (2026): Term Loans from 11.99%, SBA 7(a), Pending Privacy Class Action](https://mcafax.com/notebook/lendistry): Lendistry review: $10K to $350K term loans from 11.99%, 620 FICO, SBA 7(a), a pending privacy class action. Paper Grade A; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/lendistry.md)) - [Mantis Funding Review (2026): Revenue-Based Financing and BBB Record](https://mcafax.com/notebook/mantis-funding): Mantis Funding review: revenue-based financing of $5K to $500K, daily or weekly payments, BBB B-. Paper Grade C; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/mantis-funding.md)) - [Pearl Capital Review (2026): MCA Funding Through Brokers, BBB Record](https://mcafax.com/notebook/pearl-capital): Pearl Capital review: MCAs placed through ISOs for 3+ months in business, any FICO, BBB B-. Paper Grade D; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/pearl-capital.md)) - [Expansion Capital Group Review (2026): Requirements, Products and BBB Record](https://mcafax.com/notebook/expansion-capital-group): Expansion Capital Group review: short-term funding for 500+ FICO, 6 months and $8K monthly revenue. Paper Grade C; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/expansion-capital-group.md)) - [Headway Capital Review (2026): Line of Credit Requirements, APRs, and Draw Fees](https://mcafax.com/notebook/headway-capital): Headway Capital review: credit lines of $5K to $100K, 625 credit, 39%-82% APR per NerdWallet. Paper Grade A; Reputation Score 7.0/10. ([markdown](https://mcafax.com/notebook/headway-capital.md)) - [ELease Review (2026): Equipment Leasing and Financing Since 1995](https://mcafax.com/notebook/elease): eLease review: equipment leasing and financing from a Florida company founded in 1995, deals from $3K. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/elease.md)) - [Gibraltar Business Capital Review (2026): Asset-Based Lending up to $100MM](https://mcafax.com/notebook/gibraltar-business-capital): Gibraltar Business Capital review: asset-based credit facilities for lower middle market firms. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/gibraltar-business-capital.md)) - [Cardiff Review (2026): Working Capital up to $250K, 500 Credit, BBB Data](https://mcafax.com/notebook/cardiff): Cardiff review: working capital up to $250K with 500 credit and 1 year in business, BBB data. Paper Grade C; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/cardiff.md)) - [Lighter Capital Review (2026): Revenue-Based Financing for SaaS Startups](https://mcafax.com/notebook/lighter-capital): Lighter Capital review: up to $10M non-dilutive financing for tech startups with $200K+ ARR, BBB A+. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/lighter-capital.md)) - [Kalamata Capital Group Review (2026): MCA Approvals up to $750K, BBB Data](https://mcafax.com/notebook/kalamata-capital-group): Kalamata Capital Group review: merchant cash advances with approvals up to $750K, BBB A+. Paper Grade B; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/kalamata-capital-group.md)) - [Velocity Capital Group Review (2026): Revenue-Based Financing Requirements](https://mcafax.com/notebook/velocity-capital-group): Velocity Capital Group review: revenue-based financing up to $2M, $20K monthly revenue and 500+ FICO. Paper Grade C; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/velocity-capital-group.md)) - [Backd Review (2026): Line of Credit, Term Loan and MCA Requirements](https://mcafax.com/notebook/backd): Backd review: credit lines, term loans and MCAs for 650+ credit, 2 years and $100K revenue. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/backd.md)) - [Idea Financial Review (2026): Line of Credit Requirements and Reported Issues](https://mcafax.com/notebook/idea-financial): Idea Financial review: credit lines up to $350K for 650+ credit and 3+ years, reported draw freezes. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/idea-financial.md)) - [IOU Financial Review (2026): Term Loan Requirements, Rates, and Record](https://mcafax.com/notebook/iou-financial): IOU Financial review: term loans of $15K to $1.5M, 600 credit, 1.50%-4.00% monthly rates, BBB A+. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/iou-financial.md)) - [Greenbox Capital Review (2026): Requirements, Fees, Second-Position Funding, and Reported Issues](https://mcafax.com/notebook/greenbox-capital): Greenbox Capital review: funding from $3K, 500+ FICO, 5 months in business and a 4% setup fee. Paper Grade D; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/greenbox-capital.md)) - [Everest Business Funding Review (2026): Revenue-Based Financing, Requirements, and Reported Issues](https://mcafax.com/notebook/everest-business-funding): Everest Business Funding review: revenue-based financing for $5K/month revenue and 500+ credit. Paper Grade D; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/everest-business-funding.md)) - [Fundbox Review (2026): Line of Credit Requirements, APRs, and Reported Issues](https://mcafax.com/notebook/fundbox): Fundbox review: lines of credit up to $250K, 600 credit and 3 months minimum, 36%-99% APR per NerdWallet. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/fundbox.md)) - [Rapid Finance Review (2026): Requirements, Products, and Reported Issues](https://mcafax.com/notebook/rapid-finance): Rapid Finance review: term loans, lines and MCAs, NerdWallet-reported 650 credit and 3-year minimums. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/rapid-finance.md)) - [Credibly Review (2026): Merchant Cash Advance Requirements, Fees, and Reported Issues](https://mcafax.com/notebook/credibly): Credibly review: MCAs with 550 credit and $20K/month minimums, factor rates from 1.11, reported UCC issues. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/credibly.md)) - [National Funding Review (2026): Requirements, Factor Rates, and Reported Complaints](https://mcafax.com/notebook/national-funding): National Funding review: working capital and equipment financing, factor-rate pricing, BBB complaint themes. Paper Grade A; Reputation Score 7.5/10. ([markdown](https://mcafax.com/notebook/national-funding.md)) - [Triton Capital Review (2026): Equipment Loans from 5.99%, 575 Credit, BBB A+](https://mcafax.com/notebook/triton-capital): Triton Capital review: equipment loans up to $250K at 5.99%-34.99% APR, 575 credit minimum. Paper Grade A; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/triton-capital.md)) - [United Capital Source Review (2026): Business Loan Broker, BBB A+ Accredited](https://mcafax.com/notebook/united-capital-source): United Capital Source review: a NY business-funding broker, BBB A+ accredited since 2013. Paper Grade TBD; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/united-capital-source.md)) - [Elevate Funding Review (2026): Revenue-Based Finance (MCA), Fees and Ratings](https://mcafax.com/notebook/elevate-funding): Elevate Funding review: revenue-based finance from a Florida funder since 2015, a flat $500 fee over $6,500. Paper Grade C; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/elevate-funding.md)) - [Breakout Capital Review (2026): Term Loans from $25K, 600 FICO, BBB A+](https://mcafax.com/notebook/breakout-capital): Breakout Capital review: $25K to $1M term loans with 600 FICO and $25K monthly revenue minimums. Paper Grade A; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/breakout-capital.md)) - [Smart Business Funder Review (2026): 500 Credit MCA, Factor Rates, Stacking](https://mcafax.com/notebook/smart-business-funder): Smart Business Funder review: MCAs for 500+ credit and 1 year in business, factor rates 1.25-1.499, BBB A+. Paper Grade D; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/smart-business-funder.md)) - [Legend Advance Funding Review (2026): MCA Guidelines, Consolidation, BBB Data](https://mcafax.com/notebook/legend-advance-funding): Legend Advance Funding review: MCAs up to $750K for 3 months and $20K monthly revenue, BBB A+. Paper Grade D; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/legend-advance-funding.md)) - [Unique Funding Solutions Review (2026): MCA for Bad Credit and Newer Businesses](https://mcafax.com/notebook/unique-funding-solutions): Unique Funding Solutions review: MCAs for bad-credit and newer businesses via ISOs, BBB A+, no complaints. Paper Grade D; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/unique-funding-solutions.md)) - [The LCF Group Review (2026): MCA Requirements and the NY AG Rapid Ruling Petition](https://mcafax.com/notebook/the-lcf-group): The LCF Group review: MCAs for 6+ months and $10K monthly revenue, a 2026 NY AG petition naming LCF. Paper Grade C; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/the-lcf-group.md)) - [Mulligan Funding Review (2026): Business Loan Requirements and Record](https://mcafax.com/notebook/mulligan-funding): Mulligan Funding review: business loans up to $10M for $750K+ revenue and 6 months in business, BBB A+. Paper Grade A; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/mulligan-funding.md)) - [Forward Financing Review (2026): Revenue-Based Financing, 500 Credit Minimum, and Reported Issues](https://mcafax.com/notebook/forward-financing): Forward Financing review: revenue-based financing of $5K to $500K, 500 credit and 1 year minimum, Trustpilot 4.6. Paper Grade B; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/forward-financing.md)) - [Fora Financial Review (2026): 570 Credit Minimum, Factor Rates, and Reported Issues](https://mcafax.com/notebook/fora-financial): Fora Financial review: loans and MCAs with 570 credit and 6-month minimums, BBB data, a settled TCPA class action. Paper Grade A; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/fora-financial.md)) - [OnDeck Review (2026): Requirements, Costs, and What Borrowers Report](https://mcafax.com/notebook/ondeck): OnDeck review: published requirements, APR ranges, prepayment rules and what BBB and Trustpilot reviewers report. Paper Grade A; Reputation Score 8.0/10. ([markdown](https://mcafax.com/notebook/ondeck.md)) - [Merchant Growth Review (2026): Canadian Term Financing up to $1M, BBB A+](https://mcafax.com/notebook/merchant-growth): Merchant Growth review: Canadian term financing of $5K to $1M and lines of credit up to $125K, BBB A+. Paper Grade A; Reputation Score 8.5/10. ([markdown](https://mcafax.com/notebook/merchant-growth.md)) - [Uplyft Capital Review (2026): MCA Requirements, Ratings and Complaints](https://mcafax.com/notebook/uplyft-capital): Uplyft Capital review: MCAs of $5K to $500K for 500 credit and 3 months in business, BBB and Trustpilot data. Paper Grade C; Reputation Score 8.5/10. ([markdown](https://mcafax.com/notebook/uplyft-capital.md)) - [Libertas Funding Review (2026): Revenue-Based Financing From $100K to $10M](https://mcafax.com/notebook/libertas-funding): Libertas Funding review: revenue-based financing up to $10M, Trustpilot 4.8 per RealReviews, BBB A+. Paper Grade A; Reputation Score 9.0/10. ([markdown](https://mcafax.com/notebook/libertas-funding.md)) - [Don't Rename the Old Copy](https://mcafax.com/notebook/away-back-tuesday): Don't move the old name until the new one is real. ([markdown](https://mcafax.com/notebook/away-back-tuesday.md)) - [what mca brokers don't tell you about sba loans](https://mcafax.com/notebook/what-mca-brokers-don-t-tell-you-about-sba-loans): sba loans offer low interest rates and long monthly terms, but brokers often talk merchants out of them to push expensive cash advances instead. ([markdown](https://mcafax.com/notebook/what-mca-brokers-don-t-tell-you-about-sba-loans.md)) - [Invoice factoring: the "3% fee" that's really 48%](https://mcafax.com/notebook/what-is-invoice-factoring-and-how-does-it-work-for-small-businesses): A "3% fee" for invoice factoring is monthly, so it's about 48% APR if your client pays at day 45. How it works, recourse vs. non-recourse, and when to skip it. ([markdown](https://mcafax.com/notebook/what-is-invoice-factoring-and-how-does-it-work-for-small-businesses.md)) - [The MCA questions merchants actually ask, answered straight](https://mcafax.com/notebook/the-mca-questions-merchants-actually-ask-answered-straight): Nine questions small business owners keep asking about merchant cash advances — factor rates, stacking, reconciliation, confessions of judgment, spam calls and consolidation offers — with straight answers to each. ([markdown](https://mcafax.com/notebook/the-mca-questions-merchants-actually-ask-answered-straight.md)) - [AI read the MCA contract. It missed the 126% APR.](https://mcafax.com/notebook/ten-non-ai-skills-that-multiply-your-ai-power-in-small-business): An AI summarized a merchant cash advance contract and never flagged the cost: about 126% APR on a 1.35 factor. The non-AI skill that catches it, plus a prompt. ([markdown](https://mcafax.com/notebook/ten-non-ai-skills-that-multiply-your-ai-power-in-small-business.md)) - [4 Grants still open in October 2026 (4 more are dead)](https://mcafax.com/notebook/ten-business-grants-that-are-actually-realistic-for-small-businesses): 4 small business grants still open in October 2026: Verizon $10K, Amber $10K, NASE $4K and NSF SBIR, with who qualifies, fees, deadlines, and 4 that are dead. ([markdown](https://mcafax.com/notebook/ten-business-grants-that-are-actually-realistic-for-small-businesses.md)) - [Your SBA broker wants 5% at closing. SBA says no.](https://mcafax.com/notebook/how-to-get-an-sba-7a-loan-without-getting-hooked-by-brokers): A 5% contingency fee on a $300K SBA 7(a) loan is $15,000, and SBA rules ban it. The agent fee caps in SOP 50 10 8.1, Form 159, and what to check before signing. ([markdown](https://mcafax.com/notebook/how-to-get-an-sba-7a-loan-without-getting-hooked-by-brokers.md)) ### Brokers & Harassment — https://mcafax.com/notebook/section/brokers How the calls work, written by someone who used to make them — and how to make them stop. - [How to stop MCA brokers from calling you](https://mcafax.com/notebook/stop-mca-broker-calls): Tell each broker on the call to put your number on its internal do-not-call list. Then send the same request in writing, log every call after it, register your personal cell at DoNotCall.gov, and let a screener answer unknown numbers. ([markdown](https://mcafax.com/notebook/stop-mca-broker-calls.md)) - [One caller said "salt cell" 12 times. The AI wanted $400 of my ad budget on it.](https://mcafax.com/notebook/ai-prompt-review-call-keywords): Count callers, not mentions. ([markdown](https://mcafax.com/notebook/ai-prompt-review-call-keywords.md)) - [Stop the Calls, Part 18: give the lead sheets a number you control](https://mcafax.com/notebook/stop-the-calls-part-18-public-number): The old list rings a dead line. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-18-public-number.md)) - ["You're owed an $850 credit." Just email us your merchant statement first.](https://mcafax.com/notebook/scam-report-fake-processor-refund-call): If they're your processor, they already have your statement. ([markdown](https://mcafax.com/notebook/scam-report-fake-processor-refund-call.md)) - [He Took My $38K. He Came Back With a Rocket.](https://mcafax.com/notebook/he-took-my-38k-he-came-back-with-a-rocket): "I was in a dead zone with a rocket on my trailer." ([markdown](https://mcafax.com/notebook/he-took-my-38k-he-came-back-with-a-rocket.md)) - [7 Refund requests. 7 taps on Approve. $214 of it shouldn't have gone out.](https://mcafax.com/notebook/ai-prompt-review-refund-approvals): An Approve button is only as safe as what's printed on it. ([markdown](https://mcafax.com/notebook/ai-prompt-review-refund-approvals.md)) - [Stop the Calls, Part 17: the 10-second front desk script for broker calls](https://mcafax.com/notebook/stop-the-calls-part-17-front-desk-script): Funding calls never get a warm transfer. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-17-front-desk-script.md)) - [Her trademark was 2 days old. The fake USPTO already had her serial number.](https://mcafax.com/notebook/scam-report-fake-uspto-trademark-verification): If it's not in TSDR, it's not from the USPTO. ([markdown](https://mcafax.com/notebook/scam-report-fake-uspto-trademark-verification.md)) - [The Fake Me Wanted $2,400 Before Midnight](https://mcafax.com/notebook/the-fake-me-wanted-2400-before-midnight): "It opens nothing. It's so you remember I'm the guy who opens things." ([markdown](https://mcafax.com/notebook/the-fake-me-wanted-2400-before-midnight.md)) - [The AI watchdog flagged $38 in napkins. It missed a $21,320 cancellation.](https://mcafax.com/notebook/ai-prompt-review-business-health-check): We tested a How I AI "Watchdog" health check on a made-up laundry service. It ranked a $38 napkin complaint first and missed a $21,320-a-year cancellation. ([markdown](https://mcafax.com/notebook/ai-prompt-review-business-health-check.md)) - [Stop the Calls, Part 16: the 10-business-day clock on broker emails](https://mcafax.com/notebook/stop-the-calls-part-16-email-opt-out): Broker emails fall under CAN-SPAM, even to a business address. Use the named opt-out, give only your email, and log the 10-business-day deadline. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-16-email-opt-out.md)) - [He Retraded Her for $9K. His Trucks Were in Her Lot.](https://mcafax.com/notebook/he-retraded-her-for-9k-his-trucks-were-in-her-lot): "Your trucks cost $70,200. I take checks." ([markdown](https://mcafax.com/notebook/he-retraded-her-for-9k-his-trucks-were-in-her-lot.md)) - [The AI ranked him 23rd of 23. He runs 6 office buildings.](https://mcafax.com/notebook/ai-prompt-review-networking-event-prep): We tested a How I AI networking prep workflow on a made-up cleaning company. It ranked a 6-building facilities director 23rd of 23. Here's the fix. ([markdown](https://mcafax.com/notebook/ai-prompt-review-networking-event-prep.md)) - [Stop the Calls, Part 15: their AI voice called your AI receptionist. Now what?](https://mcafax.com/notebook/stop-the-calls-part-15-ai-voice): AI voice robocalls count as artificial voice calls under the TCPA. Give your AI receptionist a bot-to-bot stop script and log four new fields. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-15-ai-voice.md)) - [74 Dead Pets in Her Freezer. The Funder Wanted More.](https://mcafax.com/notebook/74-dead-pets-in-her-freezer-the-funder-wanted-more): Your broker is slowing you down. I can fund 70 tonight, direct. ([markdown](https://mcafax.com/notebook/74-dead-pets-in-her-freezer-the-funder-wanted-more.md)) - [Stop the Calls, Part 14: when the "local" number is not local at all](https://mcafax.com/notebook/stop-the-calls-part-14-local-spoof): Same funding pitch, different local-looking digits. Neighbor spoofing makes caller ID look nearby. Log the pitch, not every new number. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-14-local-spoof.md)) - ["Your register took fake $100s." The deputy on the phone wasn't a deputy.](https://mcafax.com/notebook/scam-report-fake-police-counterfeit-call): A caller posing as a deputy says your register took counterfeit $100s, then sends staff off with the cash. Nobody leaves with the drawer because of a phone call. ([markdown](https://mcafax.com/notebook/scam-report-fake-police-counterfeit-call.md)) - [Stop the Calls, Part 13: ask your carrier to block, then whitelist the real ones](https://mcafax.com/notebook/stop-the-calls-part-13-carrier-whitelist): Blocking without a whitelist trades broker spam for angry regulars. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-13-carrier-whitelist.md)) - [The $89 "office supplies" invoice nobody ordered. Accounting almost paid it.](https://mcafax.com/notebook/scam-report-fake-invoice-subscription): A fake $89 invoice for toner or a renewal nobody ordered can slip past busy staff. Match every bill to a real order before paying. FTC and BBB tips. ([markdown](https://mcafax.com/notebook/scam-report-fake-invoice-subscription.md)) - [My Funder Read Everyone the Same Wire Number](https://mcafax.com/notebook/my-funder-read-everyone-the-same-wire-number): "Then she should've been thirteenth," he said, and I could hear him smiling. ([markdown](https://mcafax.com/notebook/my-funder-read-everyone-the-same-wire-number.md)) - [Stop the Calls, Part 12: which form do you file when they won't stop?](https://mcafax.com/notebook/stop-the-calls-part-12-which-form-to-file): Pick the door that matches what happened. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-12-which-form-to-file.md)) - [She Googled her bank to check the MCA debit. The top result was the scammer.](https://mcafax.com/notebook/scam-report-fake-bank-search-ad): A fake search ad for your bank can steal your login and one-time code. Log in from a bookmark or the app. FBI and DOJ tips. ([markdown](https://mcafax.com/notebook/scam-report-fake-bank-search-ad.md)) - [Stop the Calls, Part 11: they rang at 7:12 a.m. Was that even allowed?](https://mcafax.com/notebook/stop-the-calls-part-11-calling-hours): Broker called at 7:12 a.m.? Federal rules bar sales calls before 8 a.m. or after 9 p.m.; Texas and Florida go further. Log the time and send a written stop. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-11-calling-hours.md)) - [He paid the $14,800 invoice. The vendor never got paid.](https://mcafax.com/notebook/scam-report-vendor-bank-change-email): A vendor "updated ACH" email can redirect a real invoice. Call a number you already trust before you pay. FTC and Secret Service tips. ([markdown](https://mcafax.com/notebook/scam-report-vendor-bank-change-email.md)) - [I Funded the Man Who Stole His Bees](https://mcafax.com/notebook/i-funded-the-man-who-stole-his-bees): "I'd brightened them so the funder could see better." ([markdown](https://mcafax.com/notebook/i-funded-the-man-who-stole-his-bees.md)) - [Stop the Calls, Part 10: "You already gave us consent." Did you?](https://mcafax.com/notebook/stop-the-calls-part-10-consent-claim): Broker says you already gave consent? Ask four questions about that form, then revoke it in one sentence. Copy-paste script plus the FCC rules, cited. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-10-consent-claim.md)) - [They paid $250 for "loan insurance." Then "the state" wanted $400 more.](https://mcafax.com/notebook/scam-report-advance-fee-loan-insurance): Scammers pitch a $250 "loan insurance" fee, then demand $400 more as a fake state charge. FTC red flags and what to do. ([markdown](https://mcafax.com/notebook/scam-report-advance-fee-loan-insurance.md)) - [He Offered Me $7,000 to Bury Her. I Passed.](https://mcafax.com/notebook/he-offered-me-7000-to-bury-her-i-passed): "You wanted to be her dad. Let's get paper moving." ([markdown](https://mcafax.com/notebook/he-offered-me-7000-to-bury-her-i-passed.md)) - [Stop the Calls, Part 9: same pitch, new company name](https://mcafax.com/notebook/stop-the-calls-part-9-same-pitch-new-name): New company name, same broker pitch? Ask who they're calling for, then use one stop sentence that asks to cover affiliates. Script and the FCC rules behind it. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-9-same-pitch-new-name.md)) - [The "Army" ordered 60 laptops, Net 30. The Army never ordered anything.](https://mcafax.com/notebook/scam-report-fake-government-rfq): Fake .gov and .mil quote requests are ordering laptops on Net 30 terms and shipping them to storage units. Red flags and what to do, from the GSA watchdog. ([markdown](https://mcafax.com/notebook/scam-report-fake-government-rfq.md)) - [Stop the Calls, Part 8: the voicemail that never rang](https://mcafax.com/notebook/stop-the-calls-part-8-ringless-voicemail): A voicemail that never rang is still a call. A 4-step routine for ringless voicemail funding pitches: save it, log it, opt out, don't call back. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-8-ringless-voicemail.md)) - [The email said her website's search bar was a wiretap. Pay $7,500.](https://mcafax.com/notebook/scam-report-website-privacy-demand-letter): Letters claim your website's pixel or search bar is an illegal wiretap and demand fast payment. The Texas AG's red flags and what to do before you pay. ([markdown](https://mcafax.com/notebook/scam-report-website-privacy-demand-letter.md)) - [Stop the Calls, Part 7: one word ends the text thread](https://mcafax.com/notebook/stop-the-calls-part-7-texts): A funding pitch hits your texts. Don't write a paragraph. The FCC's seven stop words, a 3-step text routine, and the one reply they're allowed to send. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-7-texts.md)) - [She tapped "approve." Her 214 Google reviews got a new owner.](https://mcafax.com/notebook/scam-report-google-profile-hijack): A real Google email can hand your profile and reviews to a scammer. Red flags, what to do and how to lock your Business Profile before someone claims it. ([markdown](https://mcafax.com/notebook/scam-report-google-profile-hijack.md)) - [The UCC Hit Nineteen Minutes After She Said No](https://mcafax.com/notebook/the-ucc-hit-nineteen-minutes-after-she-said-no): Her $46K wire was ready. Then a shop that never funded her filed a UCC and asked for $12K to take it down. ([markdown](https://mcafax.com/notebook/the-ucc-hit-nineteen-minutes-after-she-said-no.md)) - [Stop the Calls, Part 6: who sold them your number?](https://mcafax.com/notebook/stop-the-calls-part-6-lead-sellers): When one does name a vendor, that name is worth more than the call. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-6-lead-sellers.md)) - [The skid steer was $28,500. The dealer was real. The phone number wasn't.](https://mcafax.com/notebook/scam-report-fake-equipment-dealer): The dealership was real. It just had nothing to do with any of it. ([markdown](https://mcafax.com/notebook/scam-report-fake-equipment-dealer.md)) - [The $1,850 Fee I Never Charged](https://mcafax.com/notebook/the-1850-fee-i-never-charged): "What's the expedite fee for melting?" ([markdown](https://mcafax.com/notebook/the-1850-fee-i-never-charged.md)) - [Stop the Calls, Part 5: let the screener take call nine](https://mcafax.com/notebook/stop-the-calls-part-5-call-screening): That's the Part 1 script, spoken for you, on every call. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-5-call-screening.md)) - [Your $18,412 tariff refund is ready. Just scan the QR code.](https://mcafax.com/notebook/scam-report-fake-tariff-refund-letter): Maya's money is real. It just only comes from one door. ([markdown](https://mcafax.com/notebook/scam-report-fake-tariff-refund-letter.md)) - [Stop the Calls, Part 4: how did they know you got funded last week?](https://mcafax.com/notebook/stop-the-calls-part-4-ucc-leads): It's a new filing with your name on it. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-4-ucc-leads.md)) - [They paid $4,200 every two weeks to settle their debt. Nobody called the lender.](https://mcafax.com/notebook/scam-report-fake-mca-debt-relief): A real settlement comes with a letter from your lender. ([markdown](https://mcafax.com/notebook/scam-report-fake-mca-debt-relief.md)) - [Stop the Calls, Part 3: the 6-column call log that survives a new caller ID every hour](https://mcafax.com/notebook/stop-the-calls-part-3-call-log): Five different numbers don't hide one pitch. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-3-call-log.md)) - [The $92.25 "compliance" letter for a $10 certificate](https://mcafax.com/notebook/scam-report-fake-compliance-mailer): Your state doesn't need a red stamp and a QR code to bill you. ([markdown](https://mcafax.com/notebook/scam-report-fake-compliance-mailer.md)) - [Someone Faked Her Statements. He Was in Her Chair.](https://mcafax.com/notebook/someone-faked-her-statements-he-was-in-her-chair): The money's not coming. The vape shop is coming. ([markdown](https://mcafax.com/notebook/someone-faked-her-statements-he-was-in-her-chair.md)) - [Stop the Calls, Part 2: send the stop request in writing, not on the phone](https://mcafax.com/notebook/stop-the-calls-part-2-written-stop-request): You have no proof they heard you. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-2-written-stop-request.md)) - [Your $47,500 "SBA grant" wants a $890 processing fee](https://mcafax.com/notebook/scam-report-fake-sba-grant-text): A real grant does not text you money. ([markdown](https://mcafax.com/notebook/scam-report-fake-sba-grant-text.md)) - [Stop the Calls, Part 1: the 22-second script that ends a broker call](https://mcafax.com/notebook/stop-the-calls-part-1-the-script): Call nine before lunch. A 22-second script, a four-field log, and the FTC/FCC rights that apply when MCA brokers won't stop dialing. ([markdown](https://mcafax.com/notebook/stop-the-calls-part-1-the-script.md)) - [You're preapproved for $276K.](https://mcafax.com/notebook/scam-report-fake-preapproved-loan-text): Fake "preapproved" business loan texts and voicemails want a callback, then your bank info or a fee. FTC and BBB red flags, plus what to do. ([markdown](https://mcafax.com/notebook/scam-report-fake-preapproved-loan-text.md)) - [2,752 Reports. The top "collector" was your card company.](https://mcafax.com/notebook/scam-report-spoofed-collector-calls): Merchants filed 2,752 reports on 1,707 numbers. Top "collector" numbers were card-company lines, spoofed or misreported. 5 checks before you block. ([markdown](https://mcafax.com/notebook/scam-report-spoofed-collector-calls.md)) - [20 DMs, zero answers: MCA Reddit's week from hell](https://mcafax.com/notebook/from-reddit-this-week-in-mca): A storage owner asks for $250K and gets 20 broker DMs, zero answers. MCA Reddit's week: six-position stacks, the bank-switch trick, and the rule all agreed on. ([markdown](https://mcafax.com/notebook/from-reddit-this-week-in-mca.md)) - [How to stop 20 MCA broker calls a day when you are at your breaking point](https://mcafax.com/notebook/how-to-stop-20-mca-broker-calls-a-day-when-you-are-at-your-breaking-point): If getting 20 broker calls a day is driving you to a breaking point, take a step back. Here is how to kill the noise and take control of your phone line. ([markdown](https://mcafax.com/notebook/how-to-stop-20-mca-broker-calls-a-day-when-you-are-at-your-breaking-point.md)) - [They called 9 times after you said stop. Now what?](https://mcafax.com/notebook/how-can-i-make-a-tcpa-claim): What the TCPA is, how to tell unwanted callers to stop in writing, how to log every call, and where to report them to the FTC and FCC. ([markdown](https://mcafax.com/notebook/how-can-i-make-a-tcpa-claim.md)) - [Twenty-Five Desks and One Man Asleep](https://mcafax.com/notebook/confessions-of-a-former-mca-broker-part-2-the-room-your-phone-calls-come-from): Twenty-five desks. Three people. One of them asleep. ([markdown](https://mcafax.com/notebook/confessions-of-a-former-mca-broker-part-2-the-room-your-phone-calls-come-from.md)) - [The Deal That Died on Ring Eleven](https://mcafax.com/notebook/confessions-of-a-former-mca-broker-the-deal-i-lost-to-a-ringing-phone): A merchant one signature from a two-million-dollar project walked away because his phone would not stop ringing. I was one of the brokers calling. ([markdown](https://mcafax.com/notebook/confessions-of-a-former-mca-broker-the-deal-i-lost-to-a-ringing-phone.md)) ### Markets & Main Street — https://mcafax.com/notebook/section/markets What Wall Street is doing to the street you actually work on. - [Eurofins Scientific (ERF): Still Cheap After Buybacks and the Muddy Waters Short?](https://mcafax.com/notebook/erf-eurofins-buybacks-cash-ramp-vs-muddy-waters-short): Eurofins Scientific (ERF) is up about 50% from where it traded before Muddy Waters went short in 2024. An investor on X says the lab-testing group is still cheap as margins near target, free cash flow jumps and buybacks continue. We check the numbers, the short case and what the October 21 update could show. ([markdown](https://mcafax.com/notebook/erf-eurofins-buybacks-cash-ramp-vs-muddy-waters-short.md)) - [J.G. Boswell (BWEL): Can Pistachios and Buybacks Wake Up California's Farm Giant?](https://mcafax.com/notebook/bwel-jg-boswell-pistachios-buybacks-annual-meeting): J.G. Boswell (BWEL) trades at about 0.76 times book value as its annual meeting nears. A special-situations investor named it a top idea for 2026 at $459, citing maturing pistachio orchards, land value and a restored dividend. We check the audited numbers, the debt, the doubts about management and what would prove the call right or wrong. ([markdown](https://mcafax.com/notebook/bwel-jg-boswell-pistachios-buybacks-annual-meeting.md)) - [Rave Restaurant Group (RAVE): Is a CEO Pay Fight Hiding a Pizza Inn Growth Story?](https://mcafax.com/notebook/rave-restaurant-group-ceo-pay-fight-pizza-inn-growth): Rave Restaurant Group (RAVE) fell about 21% after record profit as its CEO accused the board of discrimination in a pay dispute. A value investor says the business is turning into a growth story. We check the cash, the Pizza Inn buffet pipeline, Pie Five's decline and what would prove the call right or wrong. ([markdown](https://mcafax.com/notebook/rave-restaurant-group-ceo-pay-fight-pizza-inn-growth.md)) - [Top Trades for October 19, 2026: What Our Best-Scoring Callers Are Saying Before the Open](https://mcafax.com/notebook/top-trades-2026-10-19): 9 Options moves and 7 day-trade ideas from public X calls in the last 48 hours, weighted by track record. ([markdown](https://mcafax.com/notebook/top-trades-2026-10-19.md)) - [RS Technologies (3445): Is Its Gritek Stake Worth More Than the Whole Company?](https://mcafax.com/notebook/3445-rs-technologies-gritek-stake-worth-more-than-parent): A Japan deep-value investor says RS Technologies (3445) trades at a steep discount to its stake in Shanghai-listed Gritek. We run the stake math from the company's own filing, explain the 1% proof-of-concept sale, and lay out why the discount persists and what would close it. ([markdown](https://mcafax.com/notebook/3445-rs-technologies-gritek-stake-worth-more-than-parent.md)) - [Hippo Holdings (HIPO): Can It Reach $60 by 2027, as a Sohn Pitch Claims?](https://mcafax.com/notebook/hipo-hippo-sohn-pitch-spinnaker-60-dollar-target): At Sohn San Francisco, Stoic Point Capital pitched Hippo Holdings (HIPO) as a stock that can double to $60+ by year-end 2027. We check the deferred tax asset argument, the Spinnaker sum-of-the-parts, the latest results and what could go wrong before the October 29 report. ([markdown](https://mcafax.com/notebook/hipo-hippo-sohn-pitch-spinnaker-60-dollar-target.md)) - [Beasley Broadcast (BBGI): Can Asset Sales Beat a 95% Conversion Clock?](https://mcafax.com/notebook/bbgi-beasley-asset-sales-race-95-percent-conversion-clock): Beasley Broadcast (BBGI) fell to $8.28 after a discounted equity deal, but a special-situations investor still thinks asset sales are coming. We explain the second-lien notes that can convert into 95% of the company, the deadlines, the station sales so far and who disagrees. ([markdown](https://mcafax.com/notebook/bbgi-beasley-asset-sales-race-95-percent-conversion-clock.md)) - [Innovative Aerosystems (IA): Is It Really a Mini-TransDigm for Orphaned Avionics?](https://mcafax.com/notebook/ia-innovative-aerosystems-mini-transdigm-orphaned-avionics): Deep Sail Capital published a long thesis calling Innovative Aerosystems (IA) a mini-TransDigm for orphaned avionics. We check the Honeywell and Aydin deals, the margin jump in the filings, the valuation debate on X and what would prove the call right or wrong. ([markdown](https://mcafax.com/notebook/ia-innovative-aerosystems-mini-transdigm-orphaned-avionics.md)) - [Dauch (DCH): BofA's $5 Target Matches the Bear Case a Value Long Wrote in February](https://mcafax.com/notebook/dch-dauch-bofa-5-dollar-target-vs-a-value-longs-downside-case): Dauch Corporation (NYSE: DCH) closed at $5.10 on October 15, 2026, the day BofA cut it to Underperform with a $5 target. Value writer Colin King says he is long, even though $5 was his own February downside case. We check the synergy plan, the $4.1 billion of net debt and who disagrees. ([markdown](https://mcafax.com/notebook/dch-dauch-bofa-5-dollar-target-vs-a-value-longs-downside-case.md)) - [Constellation Energy (CEG): Google 890 MW Nuclear Uprates Inside the AI Power Trade](https://mcafax.com/notebook/ceg-constellation-google-890-mw-nuclear-uprates): Constellation Energy (Nasdaq: CEG) closed at $275.00 on October 15, 2026. Writer Brandon Beylo highlighted a 20-year Google power purchase deal enabling 890 MW of added nuclear capacity via uprates across 11 PJM units. We check the AI-power thesis, fresh initiations and the crowded nuclear trade. ([markdown](https://mcafax.com/notebook/ceg-constellation-google-890-mw-nuclear-uprates.md)) - [Deckers Outdoor (DECK): Busted GARP After HOKA Slowdown Meets a Reset Multiple](https://mcafax.com/notebook/deck-deckers-busted-garp-after-hoka-slowdown): Deckers Outdoor (NYSE: DECK) closed at $86.58 on October 15, 2026. Value writer Colin King of Value Don't Lie flagged his September "busted GARP" write-up after HOKA growth slowed and the multiple reset from roughly 30x earnings. We check the numbers, Skechers comps and who still disagrees. ([markdown](https://mcafax.com/notebook/deck-deckers-busted-garp-after-hoka-slowdown.md)) - [SITE Centers (SITC): A $3 Special Distribution Turns the Stock Into a Cash Box](https://mcafax.com/notebook/sitc-site-centers-3-dollar-special-distribution-cash-box): SITE Centers (NYSE: SITC) declared a $3.00 special cash distribution after selling its Dividend Trust Portfolio stake for about $32.4 million. A hard-asset investor raised SITC to about a 20% weight, calling it mostly a cash box. We check the stub math, the delisting clock and who is still debating residual value. ([markdown](https://mcafax.com/notebook/sitc-site-centers-3-dollar-special-distribution-cash-box.md)) - [Top Trades for October 16, 2026: What Our Best-Scoring Callers Are Saying Before the Open](https://mcafax.com/notebook/top-trades-2026-10-16): 10 Options moves and 10 day-trade ideas from public X calls in the last 48 hours, weighted by track record. ([markdown](https://mcafax.com/notebook/top-trades-2026-10-16.md)) - [CCC Intelligent Solutions (CCC): Was the $7.75 GTCR-Elliott Take-Private Too Cheap?](https://mcafax.com/notebook/ccc-gtcr-elliott-775-take-private-too-cheap-debate): GTCR and Elliott agreed to take CCC Intelligent Solutions private at $7.75 a share. Stoic Point Capital said private equity stole the company given where auto insurance is headed. Other holders call the price a shame after years of buybacks at higher levels. ([markdown](https://mcafax.com/notebook/ccc-gtcr-elliott-775-take-private-too-cheap-debate.md)) - [Tiptree (TIPT): Trading Near 70% of Cash After the Fortegra Sale](https://mcafax.com/notebook/tipt-tiptree-70-percent-of-cash-after-fortegra-sale): After selling Fortegra, Tiptree is sitting on a large cash pile while the stock traded near 70% of cash value, according to marginofdanger. Kingdom Capital engaged to say capital-allocation uncertainty is exactly why the discount exists. We check the filings and the debate. ([markdown](https://mcafax.com/notebook/tipt-tiptree-70-percent-of-cash-after-fortegra-sale.md)) - [AvePoint (AVPT): After the Varonis Takeout, Does the Valuation Gap Still Matter?](https://mcafax.com/notebook/avpt-avepoint-vs-varonis-takeout-valuation-gap): After Proofpoint agreed to buy Varonis for about $6.3 billion, Stoic Point Capital again argued AvePoint grows faster, is more profitable and trades at a fraction of that valuation. We separate the peer math from the takeout premium. ([markdown](https://mcafax.com/notebook/avpt-avepoint-vs-varonis-takeout-valuation-gap.md)) - [Joby Aviation (JOBY): Dubai 2026 Catalyst Inside a Junk-Stock Rebound Debate](https://mcafax.com/notebook/joby-dubai-commercial-evtol-rebound-after-junk-selloff): Deep Sail Capital put Joby Aviation on a list of hammered names that could rebound, calling it a real eVTOL leader with Dubai commercial service targeted for the end of 2026. The stock has been cut deeply while certification and cash burn still dominate the debate. ([markdown](https://mcafax.com/notebook/joby-dubai-commercial-evtol-rebound-after-junk-selloff.md)) - [ClearPoint Neuro (CLPT): A Fund Would Hold It 10 Years for Partner Commercialization](https://mcafax.com/notebook/clpt-clearpoint-neuro-10-year-partner-commercialization): Asked for one small-cap to hold for a decade, Deep Sail Capital named ClearPoint Neuro (CLPT). The thesis is partner commercialization, not a one-week bounce. We check the gene-delivery platform, the Huntington overhang and who still disagrees. ([markdown](https://mcafax.com/notebook/clpt-clearpoint-neuro-10-year-partner-commercialization.md)) - [The AI meme said pies start at $9. Ours start at $18.](https://mcafax.com/notebook/ai-prompt-review-meme-marketing): An AI meme draft promised pies from $9. The menu says $18. We ran Jason Levin's How I AI meme workflow on a made-up pizzeria, scored it 8/10, and rewrote the prompt. ([markdown](https://mcafax.com/notebook/ai-prompt-review-meme-marketing.md)) - [MCAFax vs the S&P 500: MCAFax Paper Portfolio](https://mcafax.com/notebook/mcafax-paper-portfolio): MCAFax $148,715.95 (-0.86%) vs S&P 500 $150,045.02 (+0.03%). The S&P 500 is ahead of MCAFax by $1,329.07 (0.89 percentage points) as of the 2026-10-19 close. Put Selling (MODELED), tracked separately: $49,835.15. ([markdown](https://mcafax.com/notebook/mcafax-paper-portfolio.md)) - [MercadoLibre (MELI): A Brazil Runoff Bet and a $16 Billion Credit Book](https://mcafax.com/notebook/meli-mercadolibre-brazil-runoff-credit-growth-inflection): Deep Sail Capital called MercadoLibre very bullish after Brazil's first-round election, arguing profits will inflect as growth in its $16 billion credit book slows. A former investor relations officer backs the accounting argument, and a cohort skeptic wants a clock on it. We check the numbers. ([markdown](https://mcafax.com/notebook/meli-mercadolibre-brazil-runoff-credit-growth-inflection.md)) - [Onterris (ONT): Strategic Review, Poison Pill and an East Palestine Overhang](https://mcafax.com/notebook/ont-onterris-strategic-review-poison-pill-east-palestine-overhang): Onterris, the former Montrose Environmental Group, put itself under strategic review and adopted a poison pill after an undisclosed party built a position. Then a former employee alleged pressure to downplay East Palestine testing. A special-situations writer says the stock looks cheap but stayed out. We check the facts. ([markdown](https://mcafax.com/notebook/ont-onterris-strategic-review-poison-pill-east-palestine-overhang.md)) - [GameStop (GME): A 2.7x EV/EBIT Case Built on Cash, eBay Stock and CEO Buying](https://mcafax.com/notebook/gme-gamestop-ebay-stake-ceo-buying-32-dollar-warrants): GameStop shares are up about 43% since a value investor argued the retailer traded near 2.7x EV/EBIT once its cash and eBay stake are netted out. CEO Ryan Cohen keeps buying stock, and $32 warrants expire October 30, 2026. We separate the filings from the debate. ([markdown](https://mcafax.com/notebook/gme-gamestop-ebay-stake-ceo-buying-32-dollar-warrants.md)) - [How MCAFax Tracks and Scores Market Calls: Full Methodology](https://mcafax.com/notebook/how-mcafax-tracks-and-scores-market-calls): Every rule we use to log and score public stock calls, with formulas, a worked example and our data limits. ([markdown](https://mcafax.com/notebook/how-mcafax-tracks-and-scores-market-calls.md)) - [Top Trades for October 15, 2026: What Our Best-Scoring Callers Are Saying Before the Open](https://mcafax.com/notebook/top-trades-2026-10-15): 8 Options moves and 10 day-trade ideas from public X calls in the last 48 hours, weighted by track record. ([markdown](https://mcafax.com/notebook/top-trades-2026-10-15.md)) - [MCAFax Market Calls Rankings: Options](https://mcafax.com/notebook/market-calls-rankings-options): Building track record: 14 scored options calls so far; ranks start at 15 per caller. ([markdown](https://mcafax.com/notebook/market-calls-rankings-options.md)) - [MCAFax Market Calls Rankings: Day Trading](https://mcafax.com/notebook/market-calls-rankings-day-trading): Building track record: 1 scored day trading calls so far; ranks start at 15 per caller. ([markdown](https://mcafax.com/notebook/market-calls-rankings-day-trading.md)) - [MCAFax Market Calls Rankings: Long-Term](https://mcafax.com/notebook/market-calls-rankings-long-term): 10 Ranked callers on 303 scored long-term calls. ([markdown](https://mcafax.com/notebook/market-calls-rankings-long-term.md)) - [Uber (UBER): Following Tepper and Ackman at a Discount to Their Cost Basis](https://mcafax.com/notebook/uber-tepper-ackman-discount-av-thesis): Z argues Uber is unlikely to be wrecked by robotaxis because Appaloosa and Pershing Square sized large stakes after deep work, and the stock still trades at a discount to what they paid. Stoic Point questions Uber's capital allocation instead. We separate the copy-the-greats lean from the AV dispute. ([markdown](https://mcafax.com/notebook/uber-tepper-ackman-discount-av-thesis.md)) - [Vistra (VST): Nuclear Deals With Meta and a Washed-Out Utilities Setup](https://mcafax.com/notebook/vst-vistra-meta-nuclear-hyperscaler-setup): Vistra locked in 20-year nuclear power deals with Meta for 2,609 MW in PJM. Writer Brandon Beylo called utilities a great setup after that news and washed-out breadth. We check the contracts, peer Constellation's Google deal, and valuation pushback. ([markdown](https://mcafax.com/notebook/vst-vistra-meta-nuclear-hyperscaler-setup.md)) - [PulteGroup (PHM): Why a Fund Manager Prefers Buybacks Over Lennar's Playbook](https://mcafax.com/notebook/phm-pulte-buybacks-vs-lennar-capital-allocation): As Lennar trades near lows with Berkshire still buying, Saber Capital's John Huber points to PulteGroup as the builder that created more value by buying back shares instead of venture-style bets. We separate the capital-allocation claim from the housing cycle. ([markdown](https://mcafax.com/notebook/phm-pulte-buybacks-vs-lennar-capital-allocation.md)) - [PhenixFIN (PFX): Can It Rerun a Tax-Attribute Playbook After ECRO's 382 Window?](https://mcafax.com/notebook/pfx-phenixfin-ecro-tax-attribute-playbook): PhenixFIN holds a large stake in ECC Capital and advertises hundreds of millions in tax attributes. One small-cap investor says the Section 382 clock on ECRO could reopen an old playbook next April. Another voice warns G&A may keep eroding NAV first. ([markdown](https://mcafax.com/notebook/pfx-phenixfin-ecro-tax-attribute-playbook.md)) - [CoreWeave (CRWV): Bond Yields Near 15% Meet the Umbrella-Shop Thesis](https://mcafax.com/notebook/crwv-coreweave-bond-yields-near-15-percent): CoreWeave stock dropped about 15% on October 14, 2026, as its bonds yielded near 15%. A value investor compared the company to a fairground umbrella shop in a rainstorm. We check the credit numbers, the backlog defense and who still buys the dip. ([markdown](https://mcafax.com/notebook/crwv-coreweave-bond-yields-near-15-percent.md)) - [Ginkgo Bioworks (DNA): Why a Fund Put It in a Genetic-Data Short Basket](https://mcafax.com/notebook/dna-ginkgo-genetic-data-industry-short): Deep Sail Capital put Ginkgo Bioworks in an industry short of genetic-data names alongside Tempus, CareDx and Absci. Ginkgo's revenue has fallen sharply after a biosecurity sale while it spends on autonomous labs. We check the numbers and the other side. ([markdown](https://mcafax.com/notebook/dna-ginkgo-genetic-data-industry-short.md)) - [Lennar (LEN): Berkshire Keeps Buying, but Is It the Housing Stock You Want?](https://mcafax.com/notebook/len-lennar-berkshire-keeps-buying-capital-allocation-debate): Berkshire Hathaway has been buying more Lennar shares as the homebuilder trades near 52-week lows. A value investor still asks whether LEN is the right housing stock for a multi-year bet, and a fund manager points to Pulte instead. We separate the filings from the debate. ([markdown](https://mcafax.com/notebook/len-lennar-berkshire-keeps-buying-capital-allocation-debate.md)) - [Our best tech has 0 callbacks on 47 jobs. The culture rubric scored him a 1.](https://mcafax.com/notebook/ai-prompt-review-company-culture): Stated values are not the same as who decides. ([markdown](https://mcafax.com/notebook/ai-prompt-review-company-culture.md)) - [AppLovin (APP): Short Sellers Flag a San Diego Kids-Ads Lawsuit as the Next Shoe](https://mcafax.com/notebook/app-applovin-san-diego-kids-ads-lawsuit-short): San Diego County sued AppLovin on October 5, 2026 over allegations that its ad systems showed adult ads in children's games and collected kids' data despite parental controls. A short seller says more attorney-general suits may follow. We check what is alleged, who has been short, and what Street bulls still say. ([markdown](https://mcafax.com/notebook/app-applovin-san-diego-kids-ads-lawsuit-short.md)) - [WM Technology (MAPS): An Activist Stake Above 1% Meets a $32.4 Million Lease Exit](https://mcafax.com/notebook/maps-wm-technology-below-cash-after-32m-lease-exit): WM Technology, the Weedmaps operator, ended a Los Angeles lease with a $32.4 million termination fee just as an activist holder restated ownership of more than 1% of economic units. We check cash per share, the fee, and what has to be verified. ([markdown](https://mcafax.com/notebook/maps-wm-technology-below-cash-after-32m-lease-exit.md)) - [Net Lease Office Properties (NLOP): Can Liquidating 18 Remaining Offices Still Deliver 30-40% Upside?](https://mcafax.com/notebook/nlop-net-lease-office-properties-liquidation-asset-sales): Net Lease Office Properties was spun out of W. P. Carey to sell a 59-property office portfolio and return cash. A small-cap special-situations investor says finishing the liquidation of the remaining 18 properties could still deliver 30-40% upside. We check the asset sales, the Norcross contract and the risks. ([markdown](https://mcafax.com/notebook/nlop-net-lease-office-properties-liquidation-asset-sales.md)) - [Tempus AI (TEM): The Short Bet Against FDA-Clearance Hype, With the Stock Down About 20% Since](https://mcafax.com/notebook/tem-tempus-ai-genetic-data-short-after-fda-clearance-run): A long/short fund manager says Tempus AI's latest FDA clearance was hyped while the revenue is far off, and he shorted it in a basket of genetic-data stocks. Tempus AI is down about 20% since. We check the second-quarter numbers, the valuation and what bulls see in the Personalis deal. ([markdown](https://mcafax.com/notebook/tem-tempus-ai-genetic-data-short-after-fda-clearance-run.md)) - [UniFirst (UNF): Why the Cintas Deal Still Trades at a 22% Spread Before the FTC's December 11 Date](https://mcafax.com/notebook/unf-unifirst-cintas-22-percent-merger-spread-ftc-december-11): Cintas agreed to buy UniFirst for $155 in cash plus 0.7720 Cintas shares per share, but UniFirst stock still trades about 22% below the deal value as the FTC review runs to December 11, 2026. A special-situations newsletter writer reads that as roughly 60% odds. We check the math, the break fee and the antitrust signals. ([markdown](https://mcafax.com/notebook/unf-unifirst-cintas-22-percent-merger-spread-ftc-december-11.md)) - [Cal-Maine Foods (CALM): A Value Investor's Bet That the Egg Glut Ends, at About 1.1x Book](https://mcafax.com/notebook/calm-cal-maine-foods-egg-glut-bet-near-book-value): Cal-Maine Foods, the largest US egg producer, swung to a $58.6 million quarterly loss as conventional egg prices fell 59.3%. A value investor says that at $60-65 a share the stock is an asymmetric bet over four to six quarters. We check the book value, the cash pile and what has to happen for the egg cycle to turn. ([markdown](https://mcafax.com/notebook/calm-cal-maine-foods-egg-glut-bet-near-book-value.md)) - [Mount Logan Capital (MLCI): Can Two Fund Deals Double Fee Earnings for a Stock at 0.57x Book?](https://mcafax.com/notebook/mlci-mount-logan-capital-fee-earnings-two-deals-below-book): Mount Logan Capital says its ACIF merger and Yieldstreet deal should add more than $6.5 million to 2027 fee-related earnings. A small-cap special-situations investor says that confirms his roughly $12 million run-rate math. We check the numbers, the 0.57x book discount and the risks. ([markdown](https://mcafax.com/notebook/mlci-mount-logan-capital-fee-earnings-two-deals-below-book.md)) - [we dont have a car](https://mcafax.com/notebook/we-dont-have-a-car): Dinner Deals: I paid college registration from the guitar account, misspelled the major, and the mothers who wanted flag football didn't have a car. ([markdown](https://mcafax.com/notebook/we-dont-have-a-car.md)) - [Gentherm (THRM): Is the New Gentherm-Modine Combination Really Below 6x EBITDA?](https://mcafax.com/notebook/thrm-gentherm-modine-rmt-below-6x-ebitda): Gentherm closed its Reverse Morris Trust combination with Modine's Performance Technologies business on October 1, 2026, and a value investor flagged the new company as trading below 6x EBITDA. We run the numbers from the filings, explain why the answer depends on synergies, and lay out what to watch. ([markdown](https://mcafax.com/notebook/thrm-gentherm-modine-rmt-below-6x-ebitda.md)) - [D-Wave Quantum (QBTS): The Short Case Built on 325x Revenue and $1.5 a Share in Cash](https://mcafax.com/notebook/qbts-d-wave-quantum-short-325x-revenue-1-5-cash-per-share): A long/short fund manager says D-Wave Quantum still has 80% downside, trading at about 325 times revenue with roughly $1.5 a share in cash. We check the figures against D-Wave's filings, look at his record on quantum shorts and lay out what the bulls point to. ([markdown](https://mcafax.com/notebook/qbts-d-wave-quantum-short-325x-revenue-1-5-cash-per-share.md)) - [SkyAI (SKYA): The $3 Tender for 95% of Its Shares That Depends on the Price of Solana](https://mcafax.com/notebook/skya-skyai-3-dollar-tender-for-95-percent-tied-to-solana-price): SkyAI, a Solana Treasury company, plans to offer $3.00 cash for up to 95% of its shares and warrants, with the deal void if SOL closes below $100 during the offer. A special-situations investor flagged the unusual crypto condition. Here is how the offer works, why the stock trades below $3 and what could go wrong. ([markdown](https://mcafax.com/notebook/skya-skyai-3-dollar-tender-for-95-percent-tied-to-solana-price.md)) - [The AI prepped my bank meeting. It said I had no other debt. I pay $1,150 a month on a van.](https://mcafax.com/notebook/ai-prompt-review-meeting-prep): Not found is not the same as none. ([markdown](https://mcafax.com/notebook/ai-prompt-review-meeting-prep.md)) - [Universal Technical Institute (UTI): A Fund Manager Keeps Adding to His Trade-School Bet After a 48% Drop](https://mcafax.com/notebook/uti-universal-technical-institute-trade-school-bet-after-48-percent-drop): Praetorian Capital's Harris Kupperman pitched trade schools in June. Universal Technical Institute has since fallen 48% after a guidance cut, yet he says he has been adding heavily and a director keeps buying. Here is the case and the pushback. ([markdown](https://mcafax.com/notebook/uti-universal-technical-institute-trade-school-bet-after-48-percent-drop.md)) - [GeneDx (WGS): A Contrarian Quadruples His Stake After a Slide From $100 to $65](https://mcafax.com/notebook/wgs-genedx-contrarian-quadruples-stake-after-100-to-65-slide): An investor who called GeneDx's rebound from $45 to $75 just raised his stake from 2% to 8% after the stock slid back toward $65. Test volume is up 32%, but revenue per test is falling and a quarter of the float is sold short. ([markdown](https://mcafax.com/notebook/wgs-genedx-contrarian-quadruples-stake-after-100-to-65-slide.md)) - [Edison International (EIX): A Short Seller Puts Eaton Fire Liability at $20 Billion, Not the $4.3 Billion Cap](https://mcafax.com/notebook/eix-edison-international-muddy-waters-20-billion-eaton-fire-short): Muddy Waters says new evidence on Edison's fire model could break the $4.3 billion liability cap and leave shareholders facing about $20 billion from the Eaton Fire. The stock already fell 23% in one day in August. Here is the short case, the pushback and what to watch. ([markdown](https://mcafax.com/notebook/eix-edison-international-muddy-waters-20-billion-eaton-fire-short.md)) - [7 Calendar invites in one week. 5 were wrong, and one went to a funding broker.](https://mcafax.com/notebook/ai-prompt-review-meeting-scheduler): We ran a simulated test of a How I AI Copilot scheduler on a made-up remodeler's inbox: 7 invites, 5 wrong, one to a funding broker. Here's the fix. ([markdown](https://mcafax.com/notebook/ai-prompt-review-meeting-scheduler.md)) - [Alliance Entertainment (AENT): The 94% Insider-Owned Distributor Riding Vinyl and Studio DVD Deals](https://mcafax.com/notebook/aent-alliance-entertainment-vinyl-studio-dvd-94-percent-insider-owned): Alliance Entertainment grew fiscal 2026 revenue 8% to $1.149 billion on vinyl, CDs and exclusive studio disc deals, yet the stock has slid to $4.47. One investor calls it 94% insider owned and undervalued; a skeptic says the catch is cash flow. Here is the case and what to watch. ([markdown](https://mcafax.com/notebook/aent-alliance-entertainment-vinyl-studio-dvd-94-percent-insider-owned.md)) - [Mosaic (MOS): A Short-Then-Long Timing Call as Sulfur Costs Crush Phosphate Margins](https://mcafax.com/notebook/mos-mosaic-sulfur-squeeze-short-then-long-timing-call): Mosaic has fallen to $18.85 as sulfur shortages force phosphate cuts and RBC downgraded the stock. A special-situations investor is weighing a bet on a drop into the mid-teens, then a switch to long early next year. Here is the case, the counterarguments and what to watch. ([markdown](https://mcafax.com/notebook/mos-mosaic-sulfur-squeeze-short-then-long-timing-call.md)) - [Bitdeer (BTDR): A Contrarian's $50 Bitcoin-and-AI Case After the Stock Slid to $9.26](https://mcafax.com/notebook/btdr-bitdeer-bitcoin-miner-ai-pivot-50-dollar-case): Bitdeer has slid to $9.26 even as Bitcoin output rose 249% and it signed a $4.7 billion AI lease in Norway. A special-situations investor lays out a conditional $50 case, while admitting the trade has hurt so far. Here is the case, the losses and dilution, and what to watch. ([markdown](https://mcafax.com/notebook/btdr-bitdeer-bitcoin-miner-ai-pivot-50-dollar-case.md)) - [Nomad Foods (NOMD): Insider Buying, a 6.5% Yield and Executive Options That Pay Nothing Below $16](https://mcafax.com/notebook/nomd-nomad-foods-insider-buying-16-dollar-option-hurdle): Nomad Foods raised its 2026 sales Outlook at its October 6 investor day, and a value investor flagged the slide on insider buying. New executive options pay nothing below $16 a share, versus an $11.35 close. Here is the case, the leverage worry and what to watch. ([markdown](https://mcafax.com/notebook/nomd-nomad-foods-insider-buying-16-dollar-option-hurdle.md)) - [Entravision (EVC): Why Some Investors Say a Spanish-Language Broadcaster Is Really an Ad-Tech Stock](https://mcafax.com/notebook/evc-entravision-smadex-ad-tech-inside-spanish-broadcaster): Entravision's ad-tech unit Smadex drove second-quarter revenue up 126%, yet EVC has roughly halved since June. A small-cap value account is holding on, while skeptics point to one advertiser making up 40% of revenue. Here is the case, the risks and what to watch in third-quarter results. ([markdown](https://mcafax.com/notebook/evc-entravision-smadex-ad-tech-inside-spanish-broadcaster.md)) - [Utah Medical (UTMD): Inside the $75 Tender for 20% of Its Shares and the Odd-Lot Trade](https://mcafax.com/notebook/utmd-utah-medical-75-dollar-odd-lot-tender): Utah Medical Products is tendering for up to 650,000 shares at $75 through October 27, 2026, with priority for holders of fewer than 100 shares. A special-situations investor flagged the deal early, and the CEO says even $75 undervalues the stock. Here is how it works and what could go wrong. ([markdown](https://mcafax.com/notebook/utmd-utah-medical-75-dollar-odd-lot-tender.md)) - [EquipmentShare (EQPT): Why Short Sellers Are Circling a Rental IPO Down About 40% From $24.50](https://mcafax.com/notebook/eqpt-equipmentshare-own-program-short-reports): EquipmentShare went public at $24.50 in January 2026 and closed at $14.76 on October 12. Deep Sail Capital says it is short, citing activist reports from Blue Orca and Umibozu that question OWN Program guarantees and adjusted margins. Here is the case, the company's response, and what to verify. ([markdown](https://mcafax.com/notebook/eqpt-equipmentshare-own-program-short-reports.md)) - [Comcast (CMCSA): Why One Spin-Off Investor Is Eyeing 2029 Options Before the NBCUniversal Split](https://mcafax.com/notebook/cmcsa-comcast-nbcuniversal-spin-off-2029-calls): Comcast plans to spin off NBCUniversal and Sky in about a year, and CMCSA has fallen to about $20.68. Special-situations investor Colin King says he is tempted by January 2029 calls, citing sum-of-the-parts math near $33 a share. Here is the case, the broadband bear case, and what to verify. ([markdown](https://mcafax.com/notebook/cmcsa-comcast-nbcuniversal-spin-off-2029-calls.md)) - [Euronet (EEFT): Why Some Investors See a 6x-Earnings Payments Stock as Mispriced](https://mcafax.com/notebook/eeft-euronet-6x-earnings-activist-review): Euronet Worldwide closed at $64.60, near its 2026 low. Tom Smith argues it trades around 6x 2026 earnings with a digital business growing over 20%, and an activist once pegged its value at $115 to $140. Here is the case, the doubts and what to verify. ([markdown](https://mcafax.com/notebook/eeft-euronet-6x-earnings-activist-review.md)) - [Evolv (EVLV): Bulls and Bears Clash Over the Unit Economics of AI Weapons Screening](https://mcafax.com/notebook/evlv-evolv-unit-economics-debate-hospital-rollout): Evolv Technologies closed at $4.53, down from $7.31 in January, even after raising 2026 guidance. Stoic Point argues its four-year contracts have strong economics; skeptics say growth is coming on bad terms. Here is both sides and what to verify. ([markdown](https://mcafax.com/notebook/evlv-evolv-unit-economics-debate-hospital-rollout.md)) - [Sanuwave (SNWV): Why a Tiny Wound-Care Stock Hinges on One Medicare Code Ruling](https://mcafax.com/notebook/snwv-sanuwave-cms-ultramist-reimbursement-reversal): Sanuwave Health closed at $5.62 after a proposed Medicare cut to CPT 97610 hammered the stock. Deep Sail Capital and Michael Bigger argue the cut could be reversed in the final 2027 rule. Here is the bull case, the skeptics, and what to verify. ([markdown](https://mcafax.com/notebook/snwv-sanuwave-cms-ultramist-reimbursement-reversal.md)) - [STAAR Surgical (STAA): The Contrarian Case After Shareholders Rejected Alcon's $30.75 Bid](https://mcafax.com/notebook/staa-staar-surgical-after-rejected-alcon-bid-buyback): STAAR Surgical trades near $21.67, well below the $30.75 Alcon offer shareholders voted down. Z says he is still a big holder thanks to a $50 million buyback and a Stifel upgrade. Here is the case, the receivables question, and what to verify. ([markdown](https://mcafax.com/notebook/staa-staar-surgical-after-rejected-alcon-bid-buyback.md)) - [Brink's (BCO): Why One Investor Is Watching the NCR Atleos Deal at About 5.5x FCF](https://mcafax.com/notebook/bco-brinks-ncr-atleos-deal-watch-after-cma-remedy): Colin King flags Brink's cash-and-stock buy of NCR Atleos as a watch, not a pure arb, near 5.5x pro-forma FCF after leverage jumps. Deal math and risks. ([markdown](https://mcafax.com/notebook/bco-brinks-ncr-atleos-deal-watch-after-cma-remedy.md)) - [Credo (CRDO): Why One Investor Sees AEC Upside If Optical Lasers Stay Tight](https://mcafax.com/notebook/crdo-credo-aec-demand-if-optical-lasers-stay-tight): Deep Sail Capital asks if Lumentum supplying only ~30% of optical demand is bullish for Credo's AECs. The copper-vs-optics debate and risks. ([markdown](https://mcafax.com/notebook/crdo-credo-aec-demand-if-optical-lasers-stay-tight.md)) - [Gentex (GNTX): Why a Quiet Auto-Mirror Leader Screens at About 10x Free Cash Flow](https://mcafax.com/notebook/gntx-gentex-auto-dimming-mirrors-10x-fcf): Gentex Corporation dominates auto-dimming rearview mirrors and trades near $21 with zero debt. InvestSpecial amplified Palm Valley Capital's purchase at roughly 10x normalized unlevered free cash flow. Here is the bull case, the Goldman Sell, and what to verify. ([markdown](https://mcafax.com/notebook/gntx-gentex-auto-dimming-mirrors-10x-fcf.md)) - [ECC Capital (ECRO): Why a Tiny OTC Shell's Section 382 Clock Matters in April](https://mcafax.com/notebook/ecro-ecc-capital-section-382-reset-and-nol-shell): ECC Capital Corp. trades on the OTC as ECRO near 8 cents with a roughly $16 million market cap. Kingdom Capital argues a Section 382 ownership-change window tied to PhenixFIN lapses next April, potentially unlocking a familiar tax-attribute playbook. Here is the case, the skepticism, and what to verify. ([markdown](https://mcafax.com/notebook/ecro-ecc-capital-section-382-reset-and-nol-shell.md)) - [IperionX (IPX): Why a Forensic Short Still Sees Double-Digit Downside After a Broker Cut](https://mcafax.com/notebook/ipx-iperionx-spruce-point-short-after-target-cut): Spruce Point Capital is short IperionX, a titanium and critical-minerals developer listed in the U.S. and Australia. After B Riley cut its price target from $52 to $34, Spruce said that was still far too optimistic versus its own $1.50 to $3.00 range. Here is the dispute. ([markdown](https://mcafax.com/notebook/ipx-iperionx-spruce-point-short-after-target-cut.md)) - [Thinkific (THNC): $19 Million in Cost Cuts and a Bet on 25% Free-Cash-Flow Margins](https://mcafax.com/notebook/thnc-thinkific-19-million-cost-cuts-fcf-turnaround): Thinkific, the Canadian learning-commerce platform, cut about 30% of staff to chase enterprise customers and free cash flow. Special-situations investor Colin King says he likes the setup after digging in. Here is the math, the risks, and a customer who felt abandoned. ([markdown](https://mcafax.com/notebook/thnc-thinkific-19-million-cost-cuts-fcf-turnaround.md)) - [Lincoln Educational (LINC): The Trade-School Bet That AI Will Push Workers Off Desks](https://mcafax.com/notebook/linc-lincoln-educational-trade-schools-ai-jobs): Praetorian Capital's Kuppy says trade schools are about to print money as AI displaces white-collar work, and he is long Lincoln Educational (LINC). Lincoln just grew revenue more than 22% and reiterated 2026 guidance. Here is the bull case, the for-profit education scars, and what to watch. ([markdown](https://mcafax.com/notebook/linc-lincoln-educational-trade-schools-ai-jobs.md)) - [Harbor Diversified (HRBR): Why Some Investors See a Cash Shell Worth Far More Than the OTC Price](https://mcafax.com/notebook/hrbr-harbor-diversified-cash-shell-after-airline-sale): Harbor Diversified sold Air Wisconsin and related aviation assets for about $125.9 million and now holds mostly cash and securities with no operating business. The OTC stock trades near $2 while some investors put net cash closer to $3.50 a share. Here is the case, the counter-case, and what to verify. ([markdown](https://mcafax.com/notebook/hrbr-harbor-diversified-cash-shell-after-airline-sale.md)) - [Thistlewick Dental never said $18,720. The case study did.](https://mcafax.com/notebook/ai-prompt-review-case-study): We tested a How I AI case-study GPT on a made-up cleaning shop interview. In our simulated run it invented an $18,720 savings claim from "about two hours." ([markdown](https://mcafax.com/notebook/ai-prompt-review-case-study.md)) - [Market Calls Scoreboard: Who Actually Beats the S&P 500 on X](https://mcafax.com/notebook/market-calls-scoreboard): We scored public stock calls from investors on X against the S&P 500 at 180 days. Kerrisdale Capital leads the career table; Deep Sail Capital leads the season. ([markdown](https://mcafax.com/notebook/market-calls-scoreboard.md)) - [The AI marked an $8,680 wedding as booked. The couple was still "leaning toward you."](https://mcafax.com/notebook/ai-prompt-review-crm-updates): We tested a How I AI CRM workflow on a caterer's call notes. It marked an $8,680 wedding booked, skipped a deposit, and made duplicates. ([markdown](https://mcafax.com/notebook/ai-prompt-review-crm-updates.md)) - [My AI ghostwriter nailed my voice. Then it offered a $375 discount I never approved.](https://mcafax.com/notebook/ai-prompt-review-email-voice): We trained AI on a sign shop owner's sent mail. It nailed his voice, then offered a $375 discount he never approved. Here's the fix. ([markdown](https://mcafax.com/notebook/ai-prompt-review-email-voice.md)) - [Fervo Energy (FRVO): A Short Seller Challenges the Geothermal Data Ahead of a November 10 Lock-Up Expiry](https://mcafax.com/notebook/frvo-fervo-energy-geothermal-short-lockup): Fervo Energy, the enhanced geothermal developer that listed at $27 in May 2026, now trades about half that. A short seller says state data contradicts Fervo's pilot-plant story, while Fervo says its first Utah unit is in commercial operation. Here is the short case, the counter-case and the dates that matter. ([markdown](https://mcafax.com/notebook/frvo-fervo-energy-geothermal-short-lockup.md)) - [Snap (SNAP): Two Activist Funds, a $5 Billion Specs Price Tag and a Contrarian Case for 50% Upside](https://mcafax.com/notebook/snap-snap-blue-duck-specs-activist-sum-of-parts): Snap trades near $6 with a market value under $10 billion while two activist funds push it to fix spending on its Specs glasses. A contrarian investor with half his portfolio in SNAP says small changes could lift the stock 50%. Here is the bull case, the bear case and what to watch. ([markdown](https://mcafax.com/notebook/snap-snap-blue-duck-specs-activist-sum-of-parts.md)) - [LuxExperience (LUXE): Can the Net-a-Porter Turnaround Push the Stock Out of Its $10 Range?](https://mcafax.com/notebook/luxe-luxexperience-net-a-porter-turnaround-10-range-breakout): LuxExperience, the Mytheresa parent that bought YOOX Net-a-Porter from Richemont, just posted its third straight quarter of positive adjusted EBITDA. A special-situations investor says the stock is ready to leave its $10 range. Here is the case, the counter-case, and what to watch. ([markdown](https://mcafax.com/notebook/luxe-luxexperience-net-a-porter-turnaround-10-range-breakout.md)) - [Cricut (CRCT): A Fund Manager Says $20.3 Million of Tariff Refunds Flattered Earnings](https://mcafax.com/notebook/crct-cricut-tariff-refund-earnings-short): Cricut's second-quarter 2026 profit surged even as machine sales fell 22%. A long/short fund says one-time tariff refunds and a reserve release explain much of the jump. Here is what the 10-Q shows, who disagrees, and what to watch next. ([markdown](https://mcafax.com/notebook/crct-cricut-tariff-refund-earnings-short.md)) - [Bunge (BG): A Short Seller Flags Executive Exits After the $10.6 Billion Viterra Deal](https://mcafax.com/notebook/bg-bunge-viterra-executive-exits-short): Bunge Global's Chief Accounting Officer and Chief Legal Officer are both stepping down roughly 15 months after the Viterra merger closed. A short seller asks why they would leave now. Here is the short case, the bull case, and the dates to watch. ([markdown](https://mcafax.com/notebook/bg-bunge-viterra-executive-exits-short.md)) - [SoundThinking (SSTI) Buyout: $8 Cash Plus a $3 CVR, and the 2027 Revenue Bet Hidden in the Spread](https://mcafax.com/notebook/ssti-soundthinking-8-cash-3-cvr-buyout): ShotSpotter maker SoundThinking agreed to be taken private by Transom Capital for $8 in cash plus a contingent value right worth up to $3. The stock sits just above $8, so the market is paying pennies for that CVR. Here is what the CVR needs, who flagged it, and what could go wrong. ([markdown](https://mcafax.com/notebook/ssti-soundthinking-8-cash-3-cvr-buyout.md)) - [Monro (MNRO) as a Takeover Candidate: Icahn's Stake, Mavis, and a Poison Pill That Expires November 6, 2026](https://mcafax.com/notebook/mnro-monro-icahn-mavis-takeover-candidate): Monro, the auto repair and tire chain, has become a takeover bet. A small-cap fund says Mavis could be a credible buyer and expects strategic news after Carl Icahn's buildup. SEC filings show a smaller Icahn stake than claimed, and a poison pill that expires November 6, 2026. ([markdown](https://mcafax.com/notebook/mnro-monro-icahn-mavis-takeover-candidate.md)) - [Arqit Quantum (ARQQ): A Short Seller Says This Quantum Stock Trades at 450 Times Revenue](https://mcafax.com/notebook/arqq-arqit-450x-revenue-short): Arqit Quantum expects about $1 million of revenue for fiscal 2026, and the stock dropped 18% on the news. One short seller calls it 450 times revenue. Here is the short case, the NATO bull case, and what December's results need to show. ([markdown](https://mcafax.com/notebook/arqq-arqit-450x-revenue-short.md)) - [Nova Minerals (NVA): A Short Seller Targets the Antimony Story After a Going-Concern Warning](https://mcafax.com/notebook/nva-nova-minerals-going-concern-short): Nova Minerals, an Alaska antimony developer with U.S. government backing, filed its annual report late with a going-concern warning. A short seller says timelines keep slipping. Here is the short case, the bull case, and the milestones to watch. ([markdown](https://mcafax.com/notebook/nva-nova-minerals-going-concern-short.md)) - [Lifecore Biomedical (LFCR): A $6.28 Cash Buyout Where the Market Pays About 15 Cents for a CVR Worth Up to $3.39](https://mcafax.com/notebook/lfcr-lifecore-6-28-cash-cvr-buyout): Lifecore Biomedical agreed to a $6.28 cash buyout plus a contingent payment worth up to $3.39 per share. At recent prices the market values that CVR at about 15 cents. We break down the milestones and why they look hard to hit. ([markdown](https://mcafax.com/notebook/lfcr-lifecore-6-28-cash-cvr-buyout.md)) - [Enviri (NVRI): The Post-Breakup Stub One Fund Says Can Double by 2028](https://mcafax.com/notebook/nvri-enviri-breakup-stub-double-by-2028): Enviri is what's left after selling Clean Earth to Veolia: a profitable steel-mill services business and a money-losing rail unit. One small fund argues the parts are worth double by 2028. Here is the math, the pushback, and what to watch. ([markdown](https://mcafax.com/notebook/nvri-enviri-breakup-stub-double-by-2028.md)) - [ZIM Integrated Shipping (ZIM): Why Some Investors Say Hold Through Israel's Golden-Share Fight Over a $35 Takeover](https://mcafax.com/notebook/zim-hapag-lloyd-35-takeover-golden-share-hold): ZIM Integrated Shipping trades well below Hapag-Lloyd's $35-per-share cash offer while Israel weighs its golden share. One contrarian investor says hold either way, citing a growing cash pile. Here is the case, the counter-case, and the dates that matter. ([markdown](https://mcafax.com/notebook/zim-hapag-lloyd-35-takeover-golden-share-hold.md)) - [The AI built my plan around one $4,800 job. 650 hours of my calendar said no.](https://mcafax.com/notebook/ai-prompt-review-business-strategy): We tested a How I AI strategy workflow on a cleaning company's numbers. It bet on one $4,800 job and made up a margin. A source table fixed it. ([markdown](https://mcafax.com/notebook/ai-prompt-review-business-strategy.md)) - [Declined by SoFi or QuickBooks? Here's where your application goes next, and who gets paid](https://mcafax.com/notebook/declined-by-sofi-quickbooks-where-your-application-goes): SoFi and QuickBooks both point owners they can't fund toward other providers. We traced the path from Lantern and the QuickBooks Capital Marketplace to open marketplaces and MCA funders, with how each is paid and how to limit sharing. ([markdown](https://mcafax.com/notebook/declined-by-sofi-quickbooks-where-your-application-goes.md)) - [Can I use a SoFi personal loan for my business? SoFi says no, and now sells business loans up to $250,000](https://mcafax.com/notebook/sofi-personal-loan-for-business-vs-merchant-cash-advance): SoFi's help center lists business expenses as a prohibited use for its personal loans. We checked SoFi's terms, SEC filings and its new small business loan, and compared them with QuickBooks Capital and a merchant cash advance. ([markdown](https://mcafax.com/notebook/sofi-personal-loan-for-business-vs-merchant-cash-advance.md)) - [Is Intuit getting into business lending? QuickBooks Capital's $1.9 billion quarter and what it means for MCA borrowers](https://mcafax.com/notebook/intuit-quickbooks-capital-business-lending-mca): QuickBooks Capital loan volume hit $1.9 billion in a quarter as Intuit builds lending, AI and a business card into QuickBooks. We traced what Intuit knows, who it funds, and what it means for MCA borrowers. ([markdown](https://mcafax.com/notebook/intuit-quickbooks-capital-business-lending-mca.md)) - [Are Thumbtack and Homeaglow the same company? Who owns them and what AI they use](https://mcafax.com/notebook/thumbtack-homeaglow-same-company-owners-ai): Thumbtack and Homeaglow are not the same company, but Homeaglow sells through Thumbtack and both touch Anthropic's Claude. We traced owners, investors, AI vendors and complaints. ([markdown](https://mcafax.com/notebook/thumbtack-homeaglow-same-company-owners-ai.md)) - [Thursday Night Football Commercials 2026: Every Ad, Actor & Song](https://mcafax.com/notebook/thursday-night-football-commercials-2026): Our running list of Thursday Night Football commercials in 2026, game by game. Week 5 (Oct 8, 2026, Buccaneers at Cowboys on Prime Video) covers State Farm, T-Mobile, Oura, Wingstop and more. ([markdown](https://mcafax.com/notebook/thursday-night-football-commercials-2026.md)) - [Colgate Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/colgate-thursday-night-football-commercial-oct-8-2026): A viewer watching Buccaneers at Cowboys on Oct 8, 2026 tied a Colgate commercial to Lions receiver Amon-Ra St. Brown. Here is what is confirmed, what is not and what Colgate is advertising in 2026. ([markdown](https://mcafax.com/notebook/colgate-thursday-night-football-commercial-oct-8-2026.md)) - [VisionQuest Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/visionquest-thursday-night-football-commercial-oct-8-2026): A VisionQuest preview ran going into the fourth quarter of Buccaneers at Cowboys on Prime Video on Oct 8, 2026. Here is who stars, when the Marvel series premieres and what it is about. ([markdown](https://mcafax.com/notebook/visionquest-thursday-night-football-commercial-oct-8-2026.md)) - [Popeyes Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/popeyes-thursday-night-football-commercial-oct-8-2026): A Popeyes commercial ran during Buccaneers at Cowboys on Oct 8, 2026. Here is the brand's current THAT Chicken campaign, what is still unconfirmed about the cast and who owns Popeyes. ([markdown](https://mcafax.com/notebook/popeyes-thursday-night-football-commercial-oct-8-2026.md)) - [Liberty Mutual Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/liberty-mutual-thursday-night-football-commercial-oct-8-2026): Liberty Mutual ads kept coming during Buccaneers at Cowboys on Oct 8, 2026. Here is what the LiMu Emu and Doug campaign is selling, the newest spot and who is behind the Boston insurer. ([markdown](https://mcafax.com/notebook/liberty-mutual-thursday-night-football-commercial-oct-8-2026.md)) - [Charles Schwab Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/charles-schwab-thursday-night-football-commercial-oct-8-2026): A Charles Schwab commercial ran during Buccaneers at Cowboys on Oct 8, 2026, and at least one viewer asked whether it was made with AI. Here is what is confirmed, what is not and what Schwab sells. ([markdown](https://mcafax.com/notebook/charles-schwab-thursday-night-football-commercial-oct-8-2026.md)) - [Wingstop Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/wingstop-thursday-night-football-commercial-oct-8-2026): Viewers reported a Wingstop ad with Richard Sherman on the night of Buccaneers at Cowboys, Oct 8, 2026, though no post names the TNF broadcast. Here is what the OG Hot spot is about, what is confirmed and who is behind Dallas-based Wingstop. ([markdown](https://mcafax.com/notebook/wingstop-thursday-night-football-commercial-oct-8-2026.md)) - [Oura Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/oura-thursday-night-football-commercial-oct-8-2026): Oura ran a commercial during Buccaneers at Cowboys on Oct 8, 2026, the same day it launched its Wear Your Best Life campaign. Here is the ad, the price of Oura Ring 5 and the company behind it. ([markdown](https://mcafax.com/notebook/oura-thursday-night-football-commercial-oct-8-2026.md)) - [T-Mobile Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/t-mobile-thursday-night-football-commercial-oct-8-2026): A T-Mobile spot with Billy Bob Thornton talking satellite coverage ran during Buccaneers at Cowboys on Oct 8, 2026. Here is what T-Satellite is, what it costs and what is still unconfirmed. ([markdown](https://mcafax.com/notebook/t-mobile-thursday-night-football-commercial-oct-8-2026.md)) - [State Farm Commercial (TNF, Oct 8, 2026): Actor, Song & What It Means](https://mcafax.com/notebook/state-farm-thursday-night-football-commercial-oct-8-2026): During Buccaneers at Cowboys on Oct 8, 2026, Prime Video viewers caught State Farm's Fernando Mendoza spot. Here is who is in it, the music, who made it and what State Farm is selling. ([markdown](https://mcafax.com/notebook/state-farm-thursday-night-football-commercial-oct-8-2026.md)) - [Medtronic (MDT) MiniMed split-off: is the capped odd-lot exchange still worth it?](https://mcafax.com/notebook/mdt-medtronic-minimed-split-off-exchange-offer): Medtronic's MiniMed split-off promised a 7% discount, but the exchange ratio hit its cap. Here is the case for and against the odd-lot trade before the offer expires Oct. 9. ([markdown](https://mcafax.com/notebook/mdt-medtronic-minimed-split-off-exchange-offer.md)) - [The AI called my call "warm and professional." I lost the $1,860 job.](https://mcafax.com/notebook/ai-prompt-review-call-coaching): A friendly call that doesn't book is still a lost job. ([markdown](https://mcafax.com/notebook/ai-prompt-review-call-coaching.md)) - [is this soccer or american football](https://mcafax.com/notebook/is-this-soccer-or-american-football): Dinner Deals: a mother asking which football I meant, a sponsor pitch for a newsletter that didn't exist, a degree I'd already claimed, and a meeting I made. ([markdown](https://mcafax.com/notebook/is-this-soccer-or-american-football.md)) - [The AI turned one $45 favor into a $4,680 policy.](https://mcafax.com/notebook/ai-prompt-review-faq-from-customer-threads): A favor you do once becomes a policy you owe everyone. ([markdown](https://mcafax.com/notebook/ai-prompt-review-faq-from-customer-threads.md)) - [The AI proposal billed 28 mows. The season had 30.](https://mcafax.com/notebook/ai-prompt-review-client-proposal): A proposal that sounds like you can still price like a stranger. ([markdown](https://mcafax.com/notebook/ai-prompt-review-client-proposal.md)) - [The AI wrote 15 sales questions. None asked about the $76,800 lease.](https://mcafax.com/notebook/ai-prompt-review-sales-discovery-guide): A $250 price gap is small next to a $76,800 lease. ([markdown](https://mcafax.com/notebook/ai-prompt-review-sales-discovery-guide.md)) - [I asked what I dropped. A $1,240 invoice was already late.](https://mcafax.com/notebook/ai-prompt-review-end-of-day-sweep): Never call a funder solicitation a dropped ball. ([markdown](https://mcafax.com/notebook/ai-prompt-review-end-of-day-sweep.md)) - [AI drafted replies to 3 funders. It buried a $2,847 bill.](https://mcafax.com/notebook/ai-prompt-review-inbox-triage): Never draft a reply to a funder solicitation. ([markdown](https://mcafax.com/notebook/ai-prompt-review-inbox-triage.md)) - [Our coffee cart made $7,783 a month. On paper.](https://mcafax.com/notebook/ai-prompts-reviewed-business-plan-break-even): Our test coffee cart cleared $7,783 a month. Then the AI asked where the number 140 came from. ([markdown](https://mcafax.com/notebook/ai-prompts-reviewed-business-plan-break-even.md)) - [The bank said $47,530 came in. The shop made $24,530.](https://mcafax.com/notebook/ai-prompts-reviewed-bank-statement-check): $47,530 Landed in a barbershop's checking account in September. Barely half of it was money the shop earned. ([markdown](https://mcafax.com/notebook/ai-prompts-reviewed-bank-statement-check.md)) - [back to the people who said no](https://mcafax.com/notebook/back-to-the-people-who-said-no): 4 job emails in an hour, then back to who said no ([markdown](https://mcafax.com/notebook/back-to-the-people-who-said-no.md)) - [The Trip That Stayed a Draft](https://mcafax.com/notebook/the-trip-that-stayed-a-draft): I held a weekend on the calendar for three weeks and never bought the ticket — staying was also a choice. ([markdown](https://mcafax.com/notebook/the-trip-that-stayed-a-draft.md)) - [She Fixed My Bill and I Wrote 'Ok Thanks'](https://mcafax.com/notebook/she-put-credit-on-the-account): "Ok thanks." Two words, to a woman who had just quietly paid part of my bill. ([markdown](https://mcafax.com/notebook/she-put-credit-on-the-account.md)) - [The Letter That Wasn't Mine](https://mcafax.com/notebook/she-wrote-once): Six weeks. Fourteen emails. Zero replies. ([markdown](https://mcafax.com/notebook/she-wrote-once.md)) - [Blade Covers Before Skates](https://mcafax.com/notebook/the-one-nobody-put-on-the-list): My task board was full of bills and decisions. I ignored all of it and called a skating rink. It was the first thing all month with a real date on it. ([markdown](https://mcafax.com/notebook/the-one-nobody-put-on-the-list.md)) - [Nobody Answered the Door](https://mcafax.com/notebook/we-were-in-the-backyard): A friend knocked at eleven on a Sunday morning and found the house empty. We were out back. Some days the best thing you can be is unreachable. ([markdown](https://mcafax.com/notebook/we-were-in-the-backyard.md)) - [She Called My Cell](https://mcafax.com/notebook/the-round-closed-while-i-stepped-away): My internet died thirty seconds into a partnership call. A minute later my phone rang. The people who call back are the ones worth building with. ([markdown](https://mcafax.com/notebook/the-round-closed-while-i-stepped-away.md)) - [Bad News, Said Plainly](https://mcafax.com/notebook/the-folder-the-scoreboard-missed): After a month of silence, my partner's insurance claim finally got an answer: the file is missing a diagnosis. Bad news, said plainly, felt like relief. ([markdown](https://mcafax.com/notebook/the-folder-the-scoreboard-missed.md)) - [Account Closed, Nothing Owed](https://mcafax.com/notebook/twelve-minutes-later): That's how long it took, after weeks of chasing, for the water company to send me the most beautiful document I've seen all year. One page. A logo, a stamp, a signature I couldn't read. And four words across the top: account closed, nothing owed. ([markdown](https://mcafax.com/notebook/twelve-minutes-later.md)) - [My Team Marked Me Optional at My Own Eye Exam](https://mcafax.com/notebook/half-an-hour-of-being-back): "Optional." That's what my own team marked me, for my own eye exam. ([markdown](https://mcafax.com/notebook/half-an-hour-of-being-back.md)) - [the month i stopped applying](https://mcafax.com/notebook/the-month-i-stopped-applying): I earned $47.75 that month and wrote a 60K plan anyway ([markdown](https://mcafax.com/notebook/the-month-i-stopped-applying.md)) - [Underwritten by My Own Diary](https://mcafax.com/notebook/what-friday-actually-was): My records stamped my Friday as empty: no emails, no work, nothing. They had read one mailbox. It was the fullest day I'd had in three weeks. ([markdown](https://mcafax.com/notebook/what-friday-actually-was.md)) - [Three Letters to a Wire That Was Already Home](https://mcafax.com/notebook/six-weeks-of-good-work): The bookkeeper's reply was two words and an exclamation point. It might be the most quietly devastating email I've ever received. ([markdown](https://mcafax.com/notebook/six-weeks-of-good-work.md)) - [Eighty-Five Dollars to Skip the Line](https://mcafax.com/notebook/the-errand-that-felt-like-travelling): The woman behind the government desk in the terminal had a stamp in one hand and a sandwich in the other. She didn't put either down. ([markdown](https://mcafax.com/notebook/the-errand-that-felt-like-travelling.md)) - [Do Not Go to the Airport Tonight](https://mcafax.com/notebook/do-not-go-to-the-airport-tonight): My flight died on a brake part, my airline apologized for a trip I hadn't taken, and my own records invented a letter. The old rule: count the deposits. ([markdown](https://mcafax.com/notebook/do-not-go-to-the-airport-tonight.md)) - [The Job Ad for My Own Chair](https://mcafax.com/notebook/i-wrote-down-my-job): [SALARY]. Two Square brackets, on an ad for my own chair. ([markdown](https://mcafax.com/notebook/i-wrote-down-my-job.md)) - [Sixty Thousand Dollars, Written Down](https://mcafax.com/notebook/the-seats-bought-themselves): For the first time I wrote down the cash I need for an apartment and the savings for my kids. Merchants who skip that step are the ones brokers love. ([markdown](https://mcafax.com/notebook/the-seats-bought-themselves.md)) - [mula and the metronome](https://mcafax.com/notebook/mula-and-the-metronome): Wedding day, $5K in savings, a dead laptop: month one ([markdown](https://mcafax.com/notebook/mula-and-the-metronome.md)) - [Five Thousand Dollars to Look Boring](https://mcafax.com/notebook/two-emails-with-my-own-hands): "We can wire it immediately if you'd prefer." ([markdown](https://mcafax.com/notebook/two-emails-with-my-own-hands.md)) - [I Fired My Assistant in Seven Words](https://mcafax.com/notebook/seven-words-one-typo): Seven words. One typo. Three minutes, by its own count. ([markdown](https://mcafax.com/notebook/seven-words-one-typo.md)) - [they wanted someone older](https://mcafax.com/notebook/they-wanted-someone-older): "He wants someone older": my first cold call at 23 ([markdown](https://mcafax.com/notebook/they-wanted-someone-older.md)) - [the month i applied for everything](https://mcafax.com/notebook/the-month-i-applied-for-everything): 20+ job applications, 0 offers: the month I applied to all ([markdown](https://mcafax.com/notebook/the-month-i-applied-for-everything.md)) - [the first $23.72](https://mcafax.com/notebook/the-first-23-72): My first business made $23.72. Here's the whole month. ([markdown](https://mcafax.com/notebook/the-first-23-72.md)) - [The Exit Interview I Earned](https://mcafax.com/notebook/tomorrow-was-today): Six letters in thirty-three days. ([markdown](https://mcafax.com/notebook/tomorrow-was-today.md)) - [One word from me](https://mcafax.com/notebook/one-word-from-me): When automated workflows clash and bank statements lose crucial pages, business decisions stall. A founder reflects on queues, books, and real priorities. ([markdown](https://mcafax.com/notebook/one-word-from-me.md)) - [Twenty-Two, Not Twenty-Three](https://mcafax.com/notebook/two-human-acts): My age was wrong in the only version that shipped. ([markdown](https://mcafax.com/notebook/two-human-acts.md)) - [The Welcome Email That Died Quietly](https://mcafax.com/notebook/relatable-weekend): Our hello email to new signups had been dead for months and nobody noticed, because a broken auto-reply looks exactly like a slow, quiet week. ([markdown](https://mcafax.com/notebook/relatable-weekend.md)) - [The Name on the File](https://mcafax.com/notebook/the-name-on-the-file): "Do u think its ok that my name is spelled wrong" ([markdown](https://mcafax.com/notebook/the-name-on-the-file.md)) - [Thirty Seconds I Didn't Spend](https://mcafax.com/notebook/thirty-seconds-i-didnt-spend): What would you pay to stay the wronged party? ([markdown](https://mcafax.com/notebook/thirty-seconds-i-didnt-spend.md)) - [Seven Minutes and Forty-Five Seconds](https://mcafax.com/notebook/seven-minutes-and-forty-five-seconds): 1:43 P.m. I opened the stopwatch on my phone and pressed start. ([markdown](https://mcafax.com/notebook/seven-minutes-and-forty-five-seconds.md)) - [The Boss Remembers Is Not a Control](https://mcafax.com/notebook/the-books-said-eleven): That was the number in the draft note to my bookkeeper, in a column labeled "outstanding," next to the name of a client who, I was pretty sure, did not owe me twelve thousand dollars. ([markdown](https://mcafax.com/notebook/the-books-said-eleven.md)) - [My Dad Never Got the Email](https://mcafax.com/notebook/my-dad-never-got-the-email): No edits. Seven nights in a row. ([markdown](https://mcafax.com/notebook/my-dad-never-got-the-email.md)) - [Are You Hopping On?](https://mcafax.com/notebook/things-waiting-on-a-person): A colleague in dental pain asked me to run her client call. I promised, then slept through it. What she did next changed how I move paperwork. ([markdown](https://mcafax.com/notebook/things-waiting-on-a-person.md)) - [Rebuild a $2,000 feature in 20 minutes: the one-file kit](https://mcafax.com/notebook/free-prompt-turn-a-working-feature-into-a-one-file-kit-your-ai-can-rebuild-anywh): You paid for a feature once and now it's stuck on one site. Two free AI prompts pack it into a one-file kit any AI can rebuild in 20 minutes, keys excluded. ([markdown](https://mcafax.com/notebook/free-prompt-turn-a-working-feature-into-a-one-file-kit-your-ai-can-rebuild-anywh.md)) - [The Word "No" Never Appears](https://mcafax.com/notebook/three-kids-and-a-day-of-insurance-claims): How long can you fight someone who never said no? ([markdown](https://mcafax.com/notebook/three-kids-and-a-day-of-insurance-claims.md)) - [$2,400 A year to press "publish"? Build your own blog](https://mcafax.com/notebook/free-ai-prompt-add-a-blog-and-admin-content-system-to-your-business-website-no-d): Waited nine days for a developer to publish one post? This free AI prompt adds a blog and admin panel to your business site, and the math on what waiting costs. ([markdown](https://mcafax.com/notebook/free-ai-prompt-add-a-blog-and-admin-content-system-to-your-business-website-no-d.md)) - [40 Users, 1 bug, 0 form reports: let the chat file it](https://mcafax.com/notebook/here-is-how-we-built-our-ticketing-system-free-ai-prompt): Seven users typed "it's not letting me send" into chat and none used the bug form. How to let your AI chat file tickets, without letting it set severity. ([markdown](https://mcafax.com/notebook/here-is-how-we-built-our-ticketing-system-free-ai-prompt.md)) - [10 Jobs you can hand to AI this week (prompts inside)](https://mcafax.com/notebook/10-business-problems-ai-can-already-solve-you-just-haven-t-tried-yet): Six missed calls, three lost jobs. Here are 10 small-business jobs you can hand to AI this week, with a copy-paste prompt for each and the math on the savings. ([markdown](https://mcafax.com/notebook/10-business-problems-ai-can-already-solve-you-just-haven-t-tried-yet.md)) ### Series - [The Funding Playbook](https://mcafax.com/notebook/series/the-funding-playbook): Every way a small business can raise money, one option at a time: what it costs, who qualifies, and when it is the wrong call. - [Know Your Rights](https://mcafax.com/notebook/series/know-your-rights): The laws that apply when a broker will not stop calling, and the honest limits of each one. - [Main Street Market Watch](https://mcafax.com/notebook/series/main-street-market-watch): What moved on Wall Street this week and what it means for the cost of capital on Main Street. - [Confessions](https://mcafax.com/notebook/series/confessions): Stories from the broker side of merchant cash advance deals. - [Dinner Deals](https://mcafax.com/notebook/series/dinner-deals): The founder's career story before MCAFax, told for young entrepreneurs just starting out. - [Lender Reviews](https://mcafax.com/lender-reviews): Independent reviews of business lenders and funders: requirements, costs, reputation, and borrower-reported issues. - [Market Calls, Investigated](https://mcafax.com/notebook/series/market-calls-investigated): Investigating market calls and special situations for Main Street investors. - [Reddit Gossip](https://mcafax.com/notebook/series/reddit-gossip): hottest convos from reddit :) - [Scam Report](https://mcafax.com/notebook/series/scam-report): Scam reports and patterns in reported collector calls. - [Stop the Calls](https://mcafax.com/notebook/series/stop-the-calls): Practical scripts and rights for stopping MCA broker calls. - [TV Ads, Explained](https://mcafax.com/notebook/series/tv-ads-explained): What the ads on big TV broadcasts are selling, who is behind them, and what viewers ask about them. ## Market Calls (stock-call scoreboard) - [Leaderboard](https://mcafax.com/calls/leaderboard): who's right on Wall Street; win %, edge vs S&P 500, best/worst calls - [Today's calls](https://mcafax.com/calls/today): newest daily page - [Data (JSON)](https://mcafax.com/calls/data/market-calls.json) and [CSV](https://mcafax.com/calls/data/calls-public.csv) - Ticker pages: https://mcafax.com/calls/ticker/; player pages: https://mcafax.com/calls/player/ - [Tera Probe (6627.T) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/6627-t): Who is bullish or bearish on Tera Probe (6627.T)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Alliance Entertainment Holding (AENT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/aent): Who is bullish or bearish on AENT? 2 logged calls from 1 investor, with price at call and results vs the S&P 500. - [Alico (ALCO) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/alco): Who is bullish or bearish on Alico (ALCO)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [AppLovin (APP) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/app): Who is bullish or bearish on AppLovin (APP)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Arqit Quantum (ARQQ) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/arqq): Who is bullish or bearish on Arqit Quantum (ARQQ)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [AXT (AXTI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/axti): Who is bullish or bearish on AXT (AXTI)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Beasley Broadcast Group (BBGI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/bbgi): Who is bullish or bearish on Beasley Broadcast Group (BBGI)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Bunge Global (BG) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/bg): Who is bullish or bearish on Bunge Global (BG)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Bollore (BOL.PA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/bol-pa): Who is bullish or bearish on Bollore (BOL.PA)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Babcock & Wilcox Enterprises (BW) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/bw): Who is bullish or bearish on BW? 2 logged calls from 2 investors, with price at call and results vs the S&P 500. - [Cal-Maine Foods (CALM) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/calm): Who is bullish or bearish on Cal-Maine Foods (CALM)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Constellation Energy (CEG) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/ceg): Who is bullish or bearish on Constellation Energy (CEG)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [WTI crude oil futures (CL=F) calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/cl-f): Who is bullish or bearish on WTI crude oil futures (CL=F)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Cellebrite DI (CLBT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/clbt): Who is bullish or bearish on Cellebrite DI (CLBT)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Cinemark Holdings (CNK) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/cnk): Who is bullish or bearish on Cinemark Holdings (CNK)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Comer Industries S.p.A. (COM.MI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/com-mi): Who is bullish or bearish on Comer Industries S.p.A. (COM.MI)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Cricut (CRCT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/crct): Who is bullish or bearish on Cricut (CRCT)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [CoreWeave (CRWV) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/crwv): Who is bullish or bearish on CoreWeave (CRWV)? 3 logged calls from 3 investors, with price at call, results vs the S&P 500 and source posts. - [Sprinklr (CXM) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/cxm): Who is bullish or bearish on Sprinklr (CXM)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Ginkgo Bioworks Holdings (DNA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/dna): Who is bullish or bearish on Ginkgo Bioworks Holdings (DNA)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Elme Communities (ELME) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/elme): Who is bullish or bearish on Elme Communities (ELME)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Entravision Communications (EVC) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/evc): Who is bullish or bearish on EVC? 4 logged calls from 3 investors, with price at call and results vs the S&P 500. - [Fair Isaac (FICO) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/fico): Who is bullish or bearish on Fair Isaac (FICO)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Green Dot (GDOT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/gdot): Who is bullish or bearish on Green Dot (GDOT)? 3 logged calls from 3 investors, with price at call, results vs the S&P 500 and source posts. - [Gen Digital (GEN) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/gen): Who is bullish or bearish on Gen Digital (GEN)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Hertz Global Holdings (HTZ) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/htz): Who is bullish or bearish on Hertz Global Holdings (HTZ)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [IonQ (IONQ) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/ionq): Who is bullish or bearish on IonQ (IONQ)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [IperionX (IPX) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/ipx): Who is bullish or bearish on IperionX (IPX)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [IREN stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/iren): Who is bullish or bearish on IREN? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [International Workplace Group (IWG.L) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/iwg-l): Who is bullish or bearish on IWG.L? 2 logged calls from 2 investors, with price at call and results vs the S&P 500. - [KIND stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/kind): Who is bullish or bearish on KIND? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Lindbergh S.p.A. (LDB.MI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/ldb-mi): Who is bullish or bearish on Lindbergh S.p.A. (LDB.MI)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Lifecore Biomedical (LFCR) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/lfcr): Who is bullish or bearish on Lifecore Biomedical (LFCR)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [LuxExperience (LUXE) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/luxe): Who is bullish or bearish on LuxExperience (LUXE)? 4 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Magnera (MAGN) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/magn): Who is bullish or bearish on Magnera (MAGN)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Mama's Creations (MAMA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/mama): Who is bullish or bearish on Mama's Creations (MAMA)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Medtronic (MDT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/mdt): Who is bullish or bearish on Medtronic (MDT)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [MercadoLibre (MELI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/meli): Who is bullish or bearish on MercadoLibre (MELI)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Mount Logan Capital (MLCI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/mlci): Who is bullish or bearish on Mount Logan Capital (MLCI)? 3 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Mitchell Services (MSV.AX) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/msv-ax): Who is bullish or bearish on Mitchell Services (MSV.AX)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Micron Technology (MU) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/mu): Who is bullish or bearish on Micron Technology (MU)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Nebius Group (NBIS) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nbis): Who is bullish or bearish on Nebius Group (NBIS)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Net Lease Office Properties (NLOP) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nlop): Who is bullish or bearish on NLOP? 2 logged calls from 1 investor, with price at call and results vs the S&P 500. - [Natural Resource Partners L.P. (NRP) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nrp): Who is bullish or bearish on NRP? 2 logged calls from 2 investors, with price at call and results vs the S&P 500. - [New Era Energy & Digital (NUAI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nuai): Who is bullish or bearish on New Era Energy & Digital (NUAI)? 3 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Nova Minerals (NVA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nva): Who is bullish or bearish on Nova Minerals (NVA)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Enviri (NVRI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nvri): Who is bullish or bearish on Enviri (NVRI)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Neighborhood Intelligence (NXH) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/nxh): Who is bullish or bearish on Neighborhood Intelligence (NXH)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Oklo (OKLO) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/oklo): Who is bullish or bearish on Oklo (OKLO)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Promotora y Operadora de Infraestructura (PINFRA.MX) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/pinfra-mx): Who is bullish or bearish on PINFRA.MX? 2 logged calls from 2 investors, with price at call and results vs the S&P 500. - [Kraken Robotics (PNG.V) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/png-v): Who is bullish or bearish on Kraken Robotics (PNG.V)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [D-Wave Quantum (QBTS) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/qbts): Who is bullish or bearish on D-Wave Quantum (QBTS)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Red Cat Holdings (RCAT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/rcat): Who is bullish or bearish on Red Cat Holdings (RCAT)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Remitly Global (RELY) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/rely): Who is bullish or bearish on Remitly Global (RELY)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Racing Force S.P.A. (RFG.MI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/rfg-mi): Who is bullish or bearish on Racing Force S.P.A. (RFG.MI)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [SharonAI Holdings (SHAZ) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/shaz): Who is bullish or bearish on SharonAI Holdings (SHAZ)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Snap (SNAP) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/snap): Who is bullish or bearish on Snap (SNAP)? 5 logged calls from 3 investors, with price at call, results vs the S&P 500 and source posts. - [SoFi Technologies (SOFI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/sofi): Who is bullish or bearish on SoFi Technologies (SOFI)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [SofWave Medical (SOFW.TA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/sofw-ta): Who is bullish or bearish on SofWave Medical (SOFW.TA)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [S&P 500 (SPX) calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/spx): Who is bullish or bearish on S&P 500 (SPX)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [SoundThinking (SSTI) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/ssti): Who is bullish or bearish on SoundThinking (SSTI)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [STAAR Surgical Company (STAA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/staa): Who is bullish or bearish on STAAR Surgical Company (STAA)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Tempus AI (TEM) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/tem): Who is bullish or bearish on Tempus AI (TEM)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Theon International (THEON) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/theon): Who is bullish or bearish on Theon International (THEON)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Thinkific Labs (THNC.TO) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/thnc-to): Who is bullish or bearish on Thinkific Labs (THNC.TO)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Gentherm (THRM) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/thrm): Who is bullish or bearish on Gentherm (THRM)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [iShares 20+ Year Treasury Bond ETF (TLT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/tlt): Who is bullish or bearish on TLT? 1 logged call from 1 investor, with price at call and results vs the S&P 500. - [Trinity Bank, N.A. (TYBT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/tybt): Who is bullish or bearish on Trinity Bank, N.A. (TYBT)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Uber Technologies (UBER) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/uber): Who is bullish or bearish on Uber Technologies (UBER)? 2 logged calls from 1 investor, with price at call, results vs the S&P 500 and source posts. - [UniFirst (UNF) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/unf): Who is bullish or bearish on UniFirst (UNF)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Vera Bradley (VRA) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/vra): Who is bullish or bearish on Vera Bradley (VRA)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Versant Media Group (VSNT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/vsnt): Who is bullish or bearish on Versant Media Group (VSNT)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Vistra (VST) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/vst): Who is bullish or bearish on Vistra (VST)? 1 logged call from 1 investor, with price at call, results vs the S&P 500 and source posts. - [Walmart (WMT) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/wmt): Who is bullish or bearish on Walmart (WMT)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Clear Secure (YOU) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/you): Who is bullish or bearish on Clear Secure (YOU)? 2 logged calls from 2 investors, with price at call, results vs the S&P 500 and source posts. - [Ziff Davis (ZD) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/zd): Who is bullish or bearish on Ziff Davis (ZD)? 4 logged calls from 4 investors, with price at call, results vs the S&P 500 and source posts. - [ZIM Integrated Shipping Services (ZIM) stock calls: who's bullish, who's bearish, and their track records](https://mcafax.com/calls/ticker/zim): Who is bullish or bearish on ZIM? 9 logged calls from 6 investors, with price at call and results vs the S&P 500. - [Marc Cohodes (@AlderLaneEggs) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/alderlaneeggs): Marc Cohodes (@AlderLaneEggs) stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Ben Foster (@BenFosterFin) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/benfosterfin): Ben Foster (@BenFosterFin) stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Logan A. Brooks (@BrooksLA428) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/brooksla428): Logan A. Brooks (@BrooksLA428) stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Clark Square Capital (@ClarkSquareCap) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/clarksquarecap): Clark Square Capital (@ClarkSquareCap) stock calls tracked by MCAFax: 5-5 record, .500 win rate, +3.7 pts avg edge vs S&P 500, every call linked. - [Mikro Kap David (@david_katunaric) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/david_katunaric): Mikro Kap David (@david_katunaric) stock calls tracked by MCAFax: 7-12 record, .368 win rate, -7.2 pts avg edge vs S&P 500, every call linked. - [Deep Sail Capital (@DeepSailCapital) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/deepsailcapital): Deep Sail Capital (@DeepSailCapital) stock calls tracked by MCAFax: 13-12 record, .520 win rate, +8.9 pts avg edge vs S&P 500, every call linked. - [Evan Tindell (@evantindell) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/evantindell): Evan Tindell (@evantindell) stock calls tracked by MCAFax: 5-6 record, .455 win rate, -2.2 pts avg edge vs S&P 500, every call linked. - [FuzzyPanda (@FuzzyPandaShort) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/fuzzypandashort): FuzzyPanda (@FuzzyPandaShort) stock calls tracked by MCAFax: 3-8 record, .273 win rate, -8.8 pts avg edge vs S&P 500, every call linked. - [Kuppy (@hkuppy) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/hkuppy): Kuppy (@hkuppy) stock calls tracked by MCAFax: 5-4 record, .556 win rate, +9.0 pts avg edge vs S&P 500, every call linked. - [Dalius - Special Sits (@InvestSpecial) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/investspecial): Dalius - Special Sits (@InvestSpecial) stock calls tracked by MCAFax: 4-16 record, .200 win rate, -11.7 pts avg edge vs S&P 500, every call linked. - [Japan Deep Value (@JapanDeepValue1) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/japandeepvalue1): Japan Deep Value (@JapanDeepValue1) stock calls tracked by MCAFax: 5-8 record, .385 win rate, -3.0 pts avg edge vs S&P 500, every call linked. - [John Huber (@JohnHuber72) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/johnhuber72): John Huber (@JohnHuber72) stock calls tracked by MCAFax: 5-6 record, .455 win rate, +9.6 pts avg edge vs S&P 500, every call linked. - [Lukas Kafka (@Kafka7invest) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/kafka7invest): Lukas Kafka (@Kafka7invest) stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Kerrisdale Capital (@KerrisdaleCap) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/kerrisdalecap): Kerrisdale Capital (@KerrisdaleCap) stock calls tracked by MCAFax: 10-5 record, .667 win rate, +16.2 pts avg edge vs S&P 500, every call linked. - [Kingdom Capital (@kingdomcapadv) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/kingdomcapadv): Kingdom Capital (@kingdomcapadv) stock calls tracked by MCAFax: 4-14 record, .222 win rate, -17.3 pts avg edge vs S&P 500, every call linked. - [Kreuzmann (@Kreuzmann13) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/kreuzmann13): Kreuzmann (@Kreuzmann13) stock calls tracked by MCAFax: 8-5 record, .615 win rate, +20.9 pts avg edge vs S&P 500, every call linked. - [Macro & Earnings Updates (@MacroEarnings) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/macroearnings): @MacroEarnings stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Brandon Beylo (@marketplunger1) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/marketplunger1): Brandon Beylo (@marketplunger1) stock calls tracked by MCAFax: 5-16 record, .238 win rate, +51.7 pts avg edge vs S&P 500, every call linked. - [Morpheus Research (@MorpheusRes) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/morpheusres): Morpheus Research (@MorpheusRes) stock calls tracked by MCAFax: 3-4 record, .429 win rate, -14.8 pts avg edge vs S&P 500, every call linked. - [MuddyWatersResearch (@muddywatersre) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/muddywatersre): MuddyWatersResearch (@muddywatersre) stock calls tracked by MCAFax: 3-2 record, .600 win rate, -8.0 pts avg edge vs S&P 500, every call linked. - [Rod Alzmann (@RodAlzmann) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/rodalzmann): Rod Alzmann (@RodAlzmann) stock calls tracked by MCAFax: 5-5 record, .500 win rate, -19.0 pts avg edge vs S&P 500, every call linked. - [@ROICRHODES stock calls: track record, win rate and every call](https://mcafax.com/calls/player/roicrhodes): @ROICRHODES stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Special Situations Research Newsletter (Jay) (@SpecialSitsNews) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/specialsitsnews): @SpecialSitsNews stock calls tracked by MCAFax: 2 logged calls with price at call and source links. Scoring starts 180 days after each post. - [Spruce Point Capital (@sprucepointcap) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/sprucepointcap): Spruce Point Capital (@sprucepointcap) stock calls tracked by MCAFax: 11-6 record, .647 win rate, +10.4 pts avg edge vs S&P 500, every call linked. - [R. Dennis (@stockoholics) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/stockoholics): R. Dennis (@stockoholics) stock calls tracked by MCAFax: 1 logged call with price at call and source links. Scoring starts 180 days after each post. - [Stoic Point Capital Management (@stoic_point) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/stoic_point): Stoic Point Capital Management (@stoic_point) stock calls tracked by MCAFax: 5-4 record, .556 win rate, +9.1 pts avg edge vs S&P 500, every call linked. - [Colin King (@valuedontlie) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/valuedontlie): Colin King (@valuedontlie) stock calls tracked by MCAFax: 11-8 record, .579 win rate, +35.1 pts avg edge vs S&P 500, every call linked. - [Wolfpack Research (@WolfpackReports) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/wolfpackreports): Wolfpack Research (@WolfpackReports) stock calls tracked by MCAFax: 10-4 record, .714 win rate, +21.3 pts avg edge vs S&P 500, every call linked. - [Z (@ZeeContrarian1) stock calls: track record, win rate and every call](https://mcafax.com/calls/player/zeecontrarian1): Z (@ZeeContrarian1) stock calls tracked by MCAFax: 12-11 record, .522 win rate, +3.6 pts avg edge vs S&P 500, every call linked.