Pages > Home > Custom HTML block (use a full-width / blank page template so your theme's sidebar and container don't fight the layout) EVERYTHING IS SCOPED under .snf so it cannot leak into your theme, and your theme cannot leak into it. SEARCH FOR "TODO" TO FIND EVERY PLACEHOLDER YOU MUST REPLACE. ============================================================ -->

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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

Advance amount $50,000

Factor rate 1.40

Repayment term 9 months

True annualised cost

95.0% APR

Cost of this advance$20,000

Same sum, 12% term loan$2,533

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

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 01

Small business financing

Merchant cash advances, term loans, lines of credit, SBA and EIDL. What each one actually costs, who it suits, and where the traps are.

All financing coverage →

Desk 02

Founder interviews

Long-form conversations with founders who built something in New York and elsewhere. On the record, named, unedited questions.

Read the archive →

Desk 03

The New York ecosystem

NYC venture capital, fintech, and the state rules that shape how businesses here borrow money.

NYC coverage →

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

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 Name · TODO Company · Read the interview

“TODO: pull a real sentence from this interview.”

TODO Name · TODO Company · Read the 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.

Full bio LinkedIn X Contact

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.

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The factor rate is not the cost.

Three desks.

Small business financing

Founder interviews

The New York ecosystem

Read these four, in this order.

How a merchant cash advance actually works

What yours is really costing you

Confessions of judgment in New York

Getting out of an advance

Recent reporting.

TODO: Article headline

TODO: Article headline

TODO: Article headline

Ten years of founder interviews.

One editor, named, reachable.

Editorial standards.

We show the arithmetic

We disclose every relationship

We do not promise approvals

We correct in public

Startup Execs

Farmster is Helping Small Scale Farmers Reap Big Time Profits

Saving Lives: WayCare is Predicting & Preventing Car Crashes

Show Me The Money: Investable Solutions Will Help Your Startup Get Funding

Everything Startups Need to Know About Virtual Data Rooms

What Is a Virtual Data Room?

Key Features Startups Should Look For

Benefits for Startups

Explore Our VDR Reviews and Guides

The factor rate is not the cost.

Three desks.

Read these four, in this order.

Recent reporting.

Ten years of founder interviews.

One editor, named, reachable.

Editorial standards.

We show the arithmetic

We disclose every relationship

We do not promise approvals

We correct in public

What lenders are quoting this month.

Startup Execs

Everything Startups Need to Know About Virtual Data Rooms

What Is a Virtual Data Room?

Key Features Startups Should Look For

Benefits for Startups

Explore Our VDR Reviews and Guides