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From the Notebook
we were in the backyard
A friend came by at eleven and nobody answered — we were in the backyard for Sukkot.
From the Notebook
the round closed while i stepped away
The payout round I thought was still in drafts was already paid — it closed while I stepped away for the holiday.
From the Notebook
the folder the scoreboard missed
I sat with the recruiting books for almost two hours and ruled on what we owe — and the day scoreboard still called it empty.
From the Notebook
twelve minutes later
Twelve minutes after they acknowledged the file, the certificate of no debt unlocked a deposit I had been waiting on.
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 written, dated instruction to stop contacting you — across every channel, including the affiliates and the "different" company that calls next week.
Business Funding
Grants, SBA loans, MCAs, and everything in between — what each one really costs and who actually qualifies.
Grants
What Is Invoice Factoring and How Does It Work for Small Businesses?
Invoice factoring lets B2B businesses turn unpaid invoices into immediate cash by selling them to a factor at a discount. Learn how factoring works, what it costs, and whether it…
Grants
Ten Business Grants That Are Actually Realistic for Small Businesses
Discover ten realistic small-business grant opportunities active today, complete with eligibility requirements, award amounts, and strategies to avoid funding scams.
SBA & Government-Backed
How to get an SBA 7a loan without getting hooked by brokers
Getting an SBA 7a loan takes good credit, profitable tax returns, and 30 to 90 days. Here is how to apply directly with real lenders without falling for broker bait-and-switch…
Brokers & Harassment
How the calls work, written by someone who used to make them — and how to make them stop.
From the Notebook
the one nobody put on the list
Yesterday I finally picked up the phone about learning to skate — the item nobody wrote on the board.
From the Notebook
we were in the backyard
A friend came by at eleven and nobody answered — we were in the backyard for Sukkot.
From the Notebook
the round closed while i stepped away
The payout round I thought was still in drafts was already paid — it closed while I stepped away for the holiday.
Markets & Main Street
What Wall Street is doing to the street you actually work on.
From Wall Street
mula and the metronome
Dinner Deals: the wedding month, a starting-capital count emailed to myself, a dead laptop, and the metronome lesson that still runs under every business since.
Small Business
they wanted someone older
A look at the early days of freelancing and sales: dealing with cold-call rejection, turning down hourly work for prestige, and surviving on $48 a month.
Small Business
the month i applied for everything
Sending 20 generic job applications brings zero results. Learn why announcing an initiative and leveraging existing skills beats cold pitching every time.
Getting the calls? Shut it down.
MCAFax was built to do the thing you can't do from inside the room: make the phone stop. Check any broker against our member-built database, send cease & desist letters from your own Gmail, and build the paper trail. Some laws, like the TCPA, put statutory damages on illegal calls — whether they apply to your calls depends on your situation, and business lines get less protection than home ones. It's free, and we're not a law firm.
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