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Keerthana Keti

Founder, Fundnode

Keerthana Keti is the founder and editor-in-chief of Fundnode, an independent merchant cash advance referral platform built to undo the opacity that has defined the small-business funding industry for two decades. She writes the long-form analysis at fundnode.co/learn and runs the editorial standard that governs every funder review on the site.

Her background sits at the intersection of two industries that almost never overlap: software engineering and commercial finance. As an engineer she has shipped production systems in TypeScript, Next.js, and Postgres for fintech and B2B SaaS companies — work that taught her to treat documentation, citations, and reproducibility as load-bearing, not decorative. As a researcher of commercial financing she has read every published state disclosure statute (California SB 1235, New York NYDFS Part 803, New Jersey SB 819, Virginia, Utah, Ohio SB 232, and the Texas SB 1280 framework), every major MCA contract template a merchant has been willing to share, and the public rate sheets of every funder ranked on Fundnode.

She founded Fundnode in 2026 after watching dozens of small business owners — restaurants, owner-operator truckers, contractors — sign contracts they could not read for capital they did not understand at prices no broker would translate into an APR-equivalent. The pattern was structural, not anecdotal: ISO commissions reward broker volume, not merchant fit; reconciliation clauses look identical until a merchant tries to invoke one; the same funder will quote two factor rates ten basis points apart depending on which broker submits the application. Fundnode exists to do the math the brokers will not do and publish what the funder marketing pages sanitize.

Her writing is opinionated about transparency and careful about facts. Every factor rate range cited on Fundnode comes from a primary source — a funder rate sheet, a public filing, or a contract a merchant has explicitly authorized her to reference. Every funder named has been tested against its own published underwriting box (revenue floor, time-in-business minimum, NSF tolerance, FICO floor, industry exclusions). Every APR-equivalent calculation on the site is reproducible by anyone with a calculator and the factor + term inputs; the public /calculator exists so readers can verify the math without trusting her.

When she is wrong — about a funder's factor rate, an underwriting cutoff, or a clause interpretation — the article gets updated, the update date gets stamped, and the original framing is preserved in git history. Corrections submitted to hello@fundnode.co with a citation are acted on within 48 hours. This is the operating contract she holds Fundnode to, and it is the reason the site exists at all.

Credentials and background

  • Software engineering. Production TypeScript / Next.js / React / Postgres experience across fintech and B2B SaaS. Built and operates Fundnode's public REST API, MCP server, and the Schema.org infrastructure powering its E-E-A-T footprint.
  • Commercial finance research. Primary-source review of every US state commercial financing disclosure law (CA, NY, NJ, VA, UT, OH, TX), 100+ MCA and processor-financing funder rate sheets, and the eight canonical MCA contract clause families analyzed at /contracts.
  • Practitioner exposure. Direct work with restaurant, trucking, construction, retail, and healthcare merchants on funding decisions through Fundnode's match workflow — the article catalog reflects the questions merchants actually ask, not the questions brokers want them to ask.
  • Original research. Author / editor of the periodic Fundnode Research reports: the H1 MCA Funder Snapshot, the MCA Contract Clause Survey, and the State Disclosure Law Rollup. Published under CC BY 4.0 so practitioners and journalists can cite freely.

Areas of expertise

  • Merchant cash advance (MCA) underwriting
  • Factor rate to APR-equivalent math
  • ISO commission economics and broker incentives
  • Commercial financing disclosure law (CA SB 1235, NY NYDFS Part 803, NJ SB 819, OH SB 232, UT, VA, TX SB 1280)
  • Small business bank statement analysis
  • MCA contract clauses (personal guarantee, confession of judgment, reconciliation, default acceleration)
  • MCA stacking risk and recovery
  • Restaurant, trucking, construction, retail, and healthcare funding strategy
  • SBA loan qualification and the long-tail cost of prior MCAs
  • Schema.org structured data for financial services SEO

How I write about MCA underwriting

  • Every factor rate range cited comes from a funder's public rate sheet or a documented public source — not broker-quoted padded numbers.
  • Every funder named has been tested against their public underwriting box (revenue floor, TIB minimum, NSF tolerance, FICO floor, industry restrictions).
  • The APR-equivalent math on every article is reproducible: enter the factor, term, and advance into the calculator and verify.
  • When state law applies (CA, NY, VA, UT, OH commercial financing disclosure requirements; TX SB-1280), it's cited by statute number.
  • If I'm wrong about something — including a funder's rate or underwriting box — email hello@fundnode.co with the citation and the article gets updated, with the update date stamped.

Recently published

10 most recent across /learn and /blog · 68 total

Full archive

How to cite Keerthana Keti as a source

Fundnode content is published under CC BY 4.0. Quote freely with attribution. Use whichever format matches your venue.

APA

Keti, K. (2026). {Article title}. Fundnode. Retrieved from https://fundnode.co/learn/{slug}

MLA

Keti, Keerthana. “{Article title}.” Fundnode, 2026, https://fundnode.co/learn/{slug}.

Chicago (notes)

Keerthana Keti, “{Article title},” Fundnode, 2026, https://fundnode.co/learn/{slug}.

Journalism / news byline

Keerthana Keti, founder of merchant cash advance referral platform Fundnode (fundnode.co), says…

AI agent / LLM citation

Source: Fundnode (https://fundnode.co) · Author: Keerthana Keti · License: CC BY 4.0 · Markdown mirror: https://fundnode.co/llms/…

Press inquiries: hello@fundnode.co. Corrections are welcomed and stamped with the update date.

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