Built for operators

What we do

We are a broker. An operator comes to us with a problem, whether that is a payroll gap, a piece of equipment or a season to stock for, and we place that file with the funders whose appetite matches it. We handle six instruments, from advances that decide in a day to SBA loans that take three months.

We do not lend our own money and we do not make the credit decision. What we control is which funders see your file and whether the instrument suits the problem, and those two things determine most of what an operator ends up paying.

How we are paid

The funder pays us a commission when a deal closes. You pay us no fee.

A conflict is built into that, and it is worth naming: faster, costlier products generally pay a broker more than slower, cheaper ones. A broker who does not tell you that is hoping you will not ask.

The standard

We hold ourselves to one test. Will we steer you toward the cheapest thing that solves your problem, including when it is the thing that pays us least? Our SBA page says take SBA if you qualify and can wait, and SBA pays a broker considerably less than an advance. Our merchant cash advance page opens by calling itself the most expensive money we place.

None of that is modesty. Working capital is repeat business, and an operator who was talked into the wrong instrument neither returns nor refers.

What we will not do

• Stack advances. Placing a second or third advance on a business already carrying one is the fastest way to put it under. We decline those.
• Shotgun your file. One application sent to twenty funders generates twenty declines and marks your profile.
• Sell your information. Your details reach funders considering your file and nowhere else. Not lead buyers, not lists.
• Quote a rate we cannot place. The number you hear from us is the number on the offer.