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What Small Merchants Pay: 21¢ Cap, Interchange Fees, Audit Steps
U.S.-focused explainer of interchange fees, the 21¢ debit cap, and a step-by-step audit merchants can run to lower card-processing costs.
Small Businesses: Avoid SBA's 5%,3%,1% Loan Prepayment Penalty
Small businesses: learn when SBA and lender prepayment penalties apply, how the 5%/3%/1% SBA fee works, and when paying early actually saves money.
6 Terminal Checks Merchants Must Run to Verify EMV Compliance
A merchant first EMV compliance playbook: six terminal checks to secure liability protection, reduce PCI scope with P2PE, and finance upgrades.
Qualify for U.S. Small Business Loans: 720 Credit, 1.25 DSCR
Get a lender-facing eligibility checklist for U.S. small businesses: 720 or higher credit, 1.25 DSCR, documents to gather, and practical next steps to apply.
1%–5% Origination Fees Cut Your Cash, Small Businesses, Check 4 Numbers
Learn how 1%–5% origination fees cut your net proceeds, raise APR, and which four numbers small businesses must confirm before signing a loan.
Avoid a Balloon Loan Shock: Refinance 6–9 Months Early, CRE Owners
Avoid repayment surprises on balloon payment business loans. Read regulator-backed workout examples, SBA 504 alternatives, and why to start refinancing...
SMB Chargeback Management: 24–72 Hour Alerts, ROI
Stop disputes with 24–72 hour pre dispute alerts, fix billing descriptors, and use an expected value ROI test to decide whether to build or buy a platform.
Decide ABL or Cash Flow in 60–90 Days for Small Businesses
Compare asset-based and cash flow loans for small businesses. See typical advance rates, prep steps (13 week forecast, AR cleanup), and expected closing...
Convert MCA Factor Rates to APR in 4 Steps for Small Businesses
Convert MCA factor rates to effective APRs in 4 steps. See worked examples and grab a checklist to compare offers before you sign.