Articles and updates on receipt and invoice extraction, data processing and automation.
An honest 2026 guide to the best merchant cash advance underwriting software, what separates the tools, and how to pick for your deal volume.
Read articleHow a borrowing base certificate works: eligible receivables and inventory, advance rates, the ineligibles that shrink the base, and over-advances.
Read articleA factor rate is total cost; an APR is cost per year. Convert one to the other with the formula, a worked example, and a conversion table by term.
Read articleHow MCA funders underwrite from bank statements: true revenue net of transfers, NSF and negative days, average daily balance and stacked positions.
Read articleHow hard money lenders underwrite a loan: LTV and ARV limits, borrower liquidity and experience, DSCR on rental deals, and the exit strategy.
Read articleAsset-based lending vs cash flow lending: what secures each loan, how lenders underwrite them, advance rates, leverage multiples and the cost.
Read articleSBA 7(a) DSCR requirements under SOP 50 10 8: the 1.15x floor for standard 7(a) loans, 1.10x for 7(a) Small Loans, and how lenders calculate coverage.
Read articleCommercial credit analysis is how banks judge a borrower's ability to repay: spread the financials, run cash flow and ratios, weigh the 5 Cs, then risk rate.
Read articleDetect loan stacking from bank statements by spotting multiple recurring daily or weekly MCA debits to different funders, high holdback and clustered NSFs.
Read articleA business debt schedule lists every loan, lease and note a company owes. What lenders look for in one, what to include, and how it drives the credit decision.
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