News & insights
Reporting and plain-language analysis on merchant cash advance debt, stacking, defaults, and what business owners can do before a default is on the record.
A Big Shift is Underway: Does the New SBA Rule Allow You to Pay Off Merchant Cash Advance with an SBA Loan?
A recent survey showed that 80% of all small business borrowers who secured an SBA loan said it helped their business; with some reporting the lower interest rate funding of an SBA led to substantial growth.
More from Berkshire
10 Most Common Questions Small Business Owners Ask About Merchant Cash Advances
Merchant cash advances promise fast cash when banks say no — and for many owners that quick fix turns into a slow squeeze. Straight answers to the ten questions we hear most.
The Hidden Dangers of Stacking Merchant Cash Advances
Stacked advances have become one of the fastest routes to small business bankruptcy. Here is what stacking actually costs in real numbers — and the options that exist before the next advance.
7 Small Businesses Crushed by Merchant Cash Advance Debt (And How to Avoid Their Fate)
Court records show a clear pattern: one advance, then another, then several more just to keep up. Documented cases of businesses hit hard by MCA debt — and the warning signs they share.
MCA Line of Credit Scams and the Simad Holdings Bankruptcy: What Every Business Owner Should Know
An upfront-fee scam pattern spreading nationwide and one of the largest MCA-related bankruptcies on record. Two stories that are worth slowing down for before you sign anything new.
Florida BBQ Franchisee Files for Bankruptcy Again, Blames Costly MCA Loans
A single-location Woody's Bar-B-Q franchisee filed Chapter 11 for the second time in three years, calling its advance terms usurious. The filing is a warning sign for any owner using MCAs to cover cash flow gaps.
MCA Debt Relief Guide: What to Do Before Defaulting on a Merchant Cash Advance
Struggling with MCA payments? You are not alone. A practical guide to the steps that protect leverage — and the ones that destroy it — before a default is on the record.
MCA Stacking: The Hidden Debt Trap That Can Destroy a Small Business
A second advance almost never fixes the first one. Here is how stacked positions compound and what owners can do once several funders are pulling from the same account.
New York AG Lawsuit Raises Questions About MCA Arbitration and Merchant Cash Advance Debt
An enforcement action out of New York has put arbitration clauses in merchant cash advance contracts under scrutiny. Here is what business owners should take from it.
Merchant Cash Advance Debt: Understanding the Risks for Small Business Owners
Fast funding carries costs that are easy to miss when the money arrives in a day. A plain look at factor rates, daily debits, guarantees, and default terms.
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