Industry Scams
Your $47,500 "SBA grant" wants a $890 processing fee
A real grant does not text you money.
SBA & Government-Backed
Underwriting killed the deal at 1.08x, not at the pitch
A pretty Year-2 slide does not rewrite last year's tax return.
From the Notebook
He Signed at 2:47. They Debited at 2:51
Somebody else's debit had already won.
Grants
$10K for women-led beauty brands closes in 5 days
Five brands get $10,000 each. No equity. Applications close October 9.
Your Rights & the Law
Stop the Calls, Part 1: the 22-second script that ends a broker call
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.
Industry Scams
You're preapproved for $276K.
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.
SBA & Government-Backed
Your seller note can cover only $40K of the $80K SBA wants
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.
Grants
3 Grants close Oct 31 — one pays $10K for two free classes
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.
Industry Scams
2,752 Reports. The top "collector" was your card company.
Merchants filed 2,752 reports on 1,707 numbers. Top "collector" numbers were card-company lines, spoofed or misreported. 5 checks before you block.
Term Loans & Credit Lines
QuickBooks Capital Review (2026): Term Loans, Lines of Credit and Who Qualifies
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).
Merchant Cash Advances
Resolve Review (2026): B2B Net Terms with Non-Recourse Advances
Resolve review: B2B net terms advancing 50%-90% of invoices, risk-based fees. Paper Grade A; Reputation Score not yet scored.
Merchant Cash Advances
Become Review (2026): Business Funding Marketplace with MatchScore
Become review: a business-funding marketplace using its MatchScore tool. Paper Grade TBD; Reputation Score not yet scored.
Merchant Cash Advances
Clarify Capital Review (2026): Business Loan Marketplace, 500 Credit Minimum
Clarify Capital review: a NY loan marketplace with 75+ lending partners. Paper Grade TBD; Reputation Score not yet scored.
Merchant Cash Advances
Clearco Review (2026): Revenue-Based Funding for E-Commerce Brands
Clearco review: revenue-based funding up to $10M for DTC brands, a 2023 recapitalization. Paper Grade A; Reputation Score not yet scored.
Merchant Cash Advances
Mr. Advance Review (2026): Merchant Cash Advances up to $1.5M, What We Could Verify
Mr. Advance review: MCAs up to $1.5M with a 500+ recommended credit score. Paper Grade D; Reputation Score not yet scored.
Merchant Cash Advances
Clover Capital Review (2026): Invitation-Only Merchant Cash Advances for Clover Merchants
Clover Capital review: invitation-only MCAs for Clover merchants with 6+ months in business. Paper Grade A; Reputation Score not yet scored.
Merchant Cash Advances
DoorDash Capital Review (2026): Sales-Based Financing for DoorDash Merchants via Parafin
DoorDash Capital review: sales-based financing with a one-time fee, provided through Parafin. Paper Grade A; Reputation Score not yet scored.
Merchant Cash Advances
Toast Capital Review (2026): $1K–$300K Restaurant Loans Repaid From Card Sales
Toast Capital review: restaurant loans of $1K to $300K issued by WebBank, repaid from card sales. Paper Grade A; Reputation Score not yet scored.
Merchant Cash Advances
Wayflyer Review (2026): Requirements for Revenue-Based Business Financing
Wayflyer review: financing from $10K to $20M for $10K average monthly revenue, no personal guarantees. Paper Grade A; Reputation Score not yet scored.
Merchant Cash Advances
Liberis Review (2026): Embedded Business Funding Through Partner Platforms
Liberis review: embedded revenue-based funding via partners in 15 markets. Paper Grade A; Reputation Score not yet scored.
Getting the calls? Shut it down.
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