Funding Readiness
The Real Hours a Loan Application Actually Costs You
I started timing it after a client complained that "the application only took twenty minutes" and then spent the next three...
A client who runs a small landscaping business came to me last year puzzled by a loan rejection. His business income was modest but steady, around 4,800 dollars a month.
Recent
Funding Readiness
I started timing it after a client complained that "the application only took twenty minutes" and then spent the next three...
Alternative Funding
A landlord client of mine owns eleven rental units spread across three small buildings, and she called me in February asking if...
Business Loans
In ten years underwriting small business loans at a regional bank, I turned down more applications from Native owned businesses...
Alternative Funding
A client of mine resells hand-embroidered pashmina shawls and small batches of saffron threads sourced through import contacts,...
Business Loans
A father who ran a small auto parts business came to me last year trying to figure out how to fund something entirely outside...
Funding Readiness
A small hardware store owner applying for a term loan once asked me, half joking, whether the five hundred dollars a year he...
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Archive
Three people who have sat on different sides of a funding decision: a former underwriter who spent a decade deciding which loan applications got approved, a small business owner who has borrowed through a term loan, two lines of credit, and one merchant cash advance she still warns people about, and a bookkeeper who sees a client's cash flow problems months before the owner does. Every article carries a byline, and nothing runs that the writer has not actually dealt with.