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Author

Keerthana Keti

Founder, Fundnode

Building a transparent merchant cash advance marketplace. Writes about MCA underwriting, factor rate math, and the structural problems with the small-business funding ecosystem.

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 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.

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Articles

11 published