In the first quarter of 2017, five of the US’s largest banks actually deposited more money in the Fed ($12.9 billion) than they lent ($9.1 billion). Here is a link to the statistic: https://www.forbes.com/sites/greatspeculations/2017/06/13/loan-to-deposit-ratios-for-largest-u-s-banks-show-signs-of-recovery-in-q1/#18d8772412f4   Phil Gramm, former Chairman of

Businesses often have a misguided view on the pros and cons between factoring receivables and venture capital (or private equity). Many entrepreneurs today truly misunderstand how to compare the cost of equity vs debt.  Indeed, this can be a daunting

MCA (Merchant Cash Advance) loans are marketed as a fast way to access cash. Online Lenders such as On Deck, Kabbage and others are pitching themselves as Small Business Lenders offering teaser rates as low as 9.99%. These so-called lenders

“Cash” is the energy that flows through a business giving it life. It’s like the electrical current that flows through a laptop or smart phone. Without the flow of electrical energy, the unit is non-functional. In a business, if cash

Many FinTech companies have the goal of selling their product directly to consumers.  Most of them are financed by Wall Street related backers (hedge funds, private equity firms, venture capital firms, etc…). In fact, it is common knowledge that these

Financial industries such as Factoring, Asset Based Lending, and Purchase Order Financing make up a riskier segment of the Commercial Finance business. Companies in this business are always faced with difficult credit decisions. However, lenders are in the business of