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@media(prefers-reduced-motion:reduce){ Assumes remittance every business day across the stated term, the standard
merchant cash advance structure. APR solved by internal rate of return, then
annualised over 260 business days.
Full methodology and worked examples
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Startups #nofilter
New York City
Independent since 2015
New York City small business financing
The factor rate is not the cost.
A 1.4 factor rate sounds like 40%. On a nine-month advance with daily
remittances, it is closer to 95% APR. Nobody in the
merchant cash advance industry puts that number on the term sheet.
We put it on the homepage.
We cover how small businesses in New York actually get funded, who is
lending honestly, and what to do if you have already signed something
you regret.
Factor rate → true APR
True annualised cost
95.0% APR
Cost of this advance$20,000
Same sum, 12% term loan$2,533
- Publishing since 2015
- 50+ on-record founder interviews
- No lender owns this site
- Every commercial relationship disclosed
What we cover
Three desks.
Financing is the main beat. The interviews and the ecosystem coverage are how we know who is telling the truth.
Desk 02
Founder interviews
Long-form conversations with founders who built something in New York and elsewhere. On the record, named, unedited questions.Desk 03
The New York ecosystem
NYC venture capital, fintech, and the state rules that shape how businesses here borrow money.If you have an advance right now
Read these four, in this order.
Most people arrive here already in a contract. This is the sequence that gets you from "what did I sign" to "what are my options."
-
01
How a merchant cash advance actually works
Factor rates, holdback percentages, daily remittance, and why an advance is legally not a loan.14 min -
02
What yours is really costing you
Put your own numbers in. Compare the advance against a term loan and a line of credit at the same amount.Tool -
03
Confessions of judgment in New York
What the 2019 reform changed, what it did not, and how to check whether one is buried in your agreement.11 min -
04
Getting out of an advance
Reconciliation rights, renegotiation, consolidation, and the options that usually make things worse.16 min
Latest from the financing desk
Recent reporting.
TODO · Date
TODO: Article headline
TODO: One or two sentences of standfirst.TODO · Date
TODO: Article headline
TODO: One or two sentences of standfirst.TODO · Date
TODO: Article headline
TODO: One or two sentences of standfirst.On the record
TODO Name · TODO Company ·
Read the interview
TODO Name · TODO Company ·
Read the interview
Ten years of founder interviews.
Named founders, real companies, questions they were not expecting. The archive is the reason we can tell a good lender from a bad one.
“TODO: pull a real sentence from this interview.”
“TODO: pull a real sentence from this interview.”
Who writes this
One editor, named, reachable.
TODO: two or three sentences in the first person. Who you are, how long you
have covered this, and why financing specifically. Say something only you
could say. Generic bios are worth nothing here.
TODO: one sentence on what you do not do. For example: no lender pays for
coverage, and no ranking on this site is for sale.
How we work
Editorial standards.
We show the arithmetic
Every cost claim is reproducible. Where we quote a rate, we say when we checked it and how we calculated it.We disclose every relationship
TODO: state plainly whether you receive compensation for referrals, and from whom. If you refer to a specific lender, name the arrangement.We do not promise approvals
No lender can guarantee approval, and any site that says otherwise is selling your details. We do not run those offers.We correct in public
Corrections are noted at the foot of the article with the date. Nothing is quietly edited away.What lenders are quoting this month.
A short monthly note on real rates we have seen in the New York market, plus anything new from Albany that changes what lenders must disclose.Monthly. No lender gets your address. Privacy