Category · 2 field notes

Buyer's guide

How to read an offer, decode the fee schedule, and avoid the two contract clauses that ruin most deals.

Buyer's guide

How MCA Factor Rates Really Work: The Math, in Plain English

Factor rates aren't APR. Here's exactly what they are, how the payback math works, how to translate a factor into an honest APR — and the two contract clauses that decide whether the deal is fair.

7 min read

The True Cost of a Merchant Cash Advance (and When It's Still Worth It)

MCAs get a bad reputation — often deservedly. But there are five situations where the math actually works. Here's the honest breakdown.

Also on the journal