Blog
News, analysis, and field notes.
Short pieces on what's changing in small-business funding — regulatory shifts, funder behavior, market data, and our own learning as we build.
Investigations · June 25, 2026
The FBI's 2026 ISO broker fraud investigation — what every MCA merchant needs to know.
Fourteen indictments, three convictions, four fraud patterns exposed — forged bank statements, double-funding rings, COJ abuse, and reconciliation misrepresentation. Here is what the indictments say and how to fund without going near the fraud zone.
June 25, 2026
Regulatory · June 22, 2026
NJ SB 819 — deep dive into New Jersey's MCA disclosure law in 2026.
Section-by-section walkthrough of the New Jersey Small Business Truth in Lending Act, the confession-of-judgment prohibition that took effect April 1, and where DOBI enforcement is concentrated.
June 22, 2026
Regulatory · June 20, 2026
Ohio SB 232 — what the new commercial financing law means for Ohio merchants.
Ohio's SB 232 takes effect July 1, 2026 with a unique split-threshold structure. Here is what changes for Ohio merchants, what funders must disclose, and the open questions in the Department of Commerce rulemaking.
June 20, 2026
Regulatory · June 15, 2026
NY NYDFS Part 803 — a deep dive into New York's MCA disclosure regime in 2026.
Section-by-section walkthrough of New York's 23 NYCRR Part 803, what the August 2023 operative date actually delivered, and where 2026 DFS enforcement is concentrated — with the four published consent orders explained.
June 15, 2026
Regulatory · June 12, 2026
California SB 1235 in 2026 — how DFPI disclosure rules are actually hitting merchants.
Eight years after California SB 1235 was signed and three years after DFPI regulations went live, the disclosure regime is finally biting. What changed in 2026, what the estimated APR column means, and where compliance is still spotty.
June 12, 2026
News · May 16, 2026
Texas SB 1280 — what merchants actually need to know.
Texas's 2026 commercial financing disclosure regime is now in effect. Here's what changes for merchants, what funders must disclose, and what to ignore in the noise.
May 16, 2026