Set-aside bid looks open. Are you actually eligible?
Set-asides can open doors on federal work, but each SBA program has its own eligibility rules. Read official pages before you bid as if you qualify.
Latest
A free CFO skill, week one: what shipped and what failed QA first
Chase the Invoices and a recalculated cost line both shipped this week, and both failed QA before they did. Here's what changed and what I can and can't claim yet.
GC hasn't paid in 60 days? What a sub sends on day 1, 15, 30 and 45
A late GC invoice moves faster with a dated written schedule than with more calls. Here is what to send on day 1, 15, 30 and 45, with scripts.
Three skills as a new owner: what actually works, and how long to a first result?
A scripted new-owner run through Stop the Calls, Chase the Invoices and the blogging system: clicks, time to first result, and where each path broke. Small sample, n=1 per skill.
Stop the Calls, live path: did a first-result improvement land, and what usage is actually logged?
The live /stop-calls page now opens a stop-request draft after a lookup, with the skill zip as the second step. Usage counts have not been pulled and are unknown.
An invoicing mode that drafts, and never sends, until the owner says so
Oscar tested an invoicing mode that refuses to chase unsent invoices, holds near lien deadlines, and never sends without the owner's yes. Small A/B, n=10.
28 minutes Friday: stop requests, log, then report
A weekly contractor office routine: written stop emails, a six-column log, DoNotCall.gov for personal cells, and FTC or FCC reports for repeats.
12 funding rings before lunch. How do you silence unknowns?
Crew-run shops can whitelist job contacts, enable carrier filters, and add a press-1 attendant so funding robocalls drop without blocking real work calls.
SBA & Government-Backed
SBA 7(a) and 504 loans for construction companies
7(A) and 504 are different SBA tools. Match the program to equipment, real estate, or working capital needs under current SOP rules.
Equipment & Invoice Finance
How should contractors plan cash flow around retainage?
Treat retainage as unavailable until it clears. Scope complete is not the same as cash released.
Term Loans & Credit Lines
How do subcontractors cover payroll while waiting on draws?
When draws lag, payroll still hits every Friday. Size the bridge with reserves, terms, and documented working-capital options before you stack more jobs.
Term Loans & Credit Lines
How do contractors fund mobilization before the first draw?
Mobilization is a cash event, not a paperwork line. List every week-one cost before the first draw and decide go or no-go.
Start here
The pages people come back to: what the money really costs, why the calls started, and the paperwork that ends them.
What that advance actually costs
A factor rate is not an interest rate, and it is designed not to look like one. Put your numbers in and see the APR, the weekly bite, and what a second position does to both.
Why forty brokers have your cell number
You took one advance and the phone has not stopped since. That is not a coincidence, and it is not a leak. It is a public filing, and you can go look at your own.
The advance agreement, clause by clause
A composite merchant cash advance contract, marked up the way a former broker reads one: what each clause is for, which ones are negotiable, and which one quietly cancels everything you…
Cease and desist letter
A dated, written request to stop contacting you, delete your information and stop passing it on - on every channel, every number, and the affiliates and lead vendors behind the next caller.
Business Funding
Grants, SBA loans, MCAs, and everything in between — what each one really costs and who actually qualifies.
A free CFO skill, week one: what shipped and what failed QA first
Chase the Invoices and a recalculated cost line both shipped this week, and both failed QA before they did. Here's what changed and what I can and can't claim yet.
GC hasn't paid in 60 days? What a sub sends on day 1, 15, 30 and 45
A late GC invoice moves faster with a dated written schedule than with more calls. Here is what to send on day 1, 15, 30 and 45, with scripts.
An invoicing mode that drafts, and never sends, until the owner says so
Oscar tested an invoicing mode that refuses to chase unsent invoices, holds near lien deadlines, and never sends without the owner's yes. Small A/B, n=10.
SBA & Government-Backed
Set-aside bid looks open. Are you actually eligible?
Set-asides can open doors on federal work, but each SBA program has its own eligibility rules. Read official pages before you bid as if you qualify.
SBA & Government-Backed
SBA 7(a) and 504 loans for construction companies
7(A) and 504 are different SBA tools. Match the program to equipment, real estate, or working capital needs under current SOP rules.
Equipment & Invoice Finance
How should contractors plan cash flow around retainage?
Treat retainage as unavailable until it clears. Scope complete is not the same as cash released.
Brokers & Harassment
How the calls work, written by someone who used to make them — and how to make them stop.
Stop the Calls, live path: did a first-result improvement land, and what usage is actually logged?
The live /stop-calls page now opens a stop-request draft after a lookup, with the skill zip as the second step. Usage counts have not been pulled and are unknown.
28 minutes Friday: stop requests, log, then report
A weekly contractor office routine: written stop emails, a six-column log, DoNotCall.gov for personal cells, and FTC or FCC reports for repeats.
12 funding rings before lunch. How do you silence unknowns?
Crew-run shops can whitelist job contacts, enable carrier filters, and add a press-1 attendant so funding robocalls drop without blocking real work calls.
From the Notebook
Funding calls spiked after the skid steer UCC filed
Public UCC filings and shared quote forms help explain post-funding call waves. Fix records, separate funding contact info, and log stops.
From the Notebook
Spoofed local ID. Was it the GC or a funding robocall?
Spoofed funding robocalls mimic local GC numbers on a shared crew cell. Hang up on urgency, dial saved contacts, and use carrier filters without promising silence.
From the Notebook
Nine funding calls before noon. What do you say?
Screen funding calls with a short script, written terms requests, and a hard stop on bank logins. Link the longer Stop the Calls guide for deeper tactics.
Markets & Main Street
What Wall Street is doing to the street you actually work on.
Three skills as a new owner: what actually works, and how long to a first result?
A scripted new-owner run through Stop the Calls, Chase the Invoices and the blogging system: clicks, time to first result, and where each path broke. Small sample, n=1 per skill.
From Wall Street
Golfzon Holdings (121440): Four Demands Seek About 250 Billion Won Returned by November 10
Golfzon Holdings (KOSDAQ: 121440) closed at 8,110 won on November 4, 2026. On November 5, activist holder Terton Capital published four demands that the board accept the Golfzon…
From Wall Street
Cheesecake Factory (CAKE): A Short Seller Maps 21% Downside to an $89-$92 Gap
Deep Sail Capital on November 3, 2026 pointed to an unfilled Cheesecake Factory chart gap at $89 to $92, about 21% below levels near a $112.96 prior close. The note is technical…
From Wall Street
A.k.a. Brands (AKA): U.S. Sales Rebound 14% While the Profit Plan Gets Cut
A.k.a. Brands reported third-quarter net sales of $161.3 million and U.S. sales of $112.6 million, up 14%, then cut full-year Adjusted EBITDA guidance to $29 million to $30…
Getting the calls? Shut it down.
Check a broker, then use the finance skill in your own AI. MCAFax has no user accounts and no sign-up.
Open the finance skill