The Guide They Don’t Want You to See

Written by a Retired CFP Professional with 35 years of business finance experience.

18 funding products explained honestly. Real costs. The lies brokers tell. The questions they hope you never ask. Everything a business owner needs to know before signing anything.

• The true cost of every funding product in plain English — no jargon
• What a 1.35 factor rate actually costs you (hint: it’s not 35%)
• 17 alternatives to MCAs most brokers will never show you
• The exact questions to ask any lender before signing
• Red flags in funding contracts — the clauses that trap business owners
• The honest truth about SBA loans, HELOCs, equipment financing, 0% cards, and more