by Stephen Troy | Aug 4, 2026 | Blog
Getting denied for business loans is common, and it says less about your business than it may seem. A denial letter doesn't explain much. It says no, maybe gestures at cash flow or time in business, and leaves you to figure out the rest.One quick note first....
by Stephen Troy | Jul 30, 2026 | Blog
Invoice factoring gets you paid on an invoice in days, not months. A bank loan asks for tax returns and a business plan, then makes you wait weeks to hear back. Invoice factoring skips almost all of that. You sell your unpaid invoices and get most of the cash today....
by Stephen Troy | Jul 28, 2026 | Blog
Accounts receivable financing turns unpaid invoices into cash today. It's one of the fastest ways to close a cash flow gap. You deliver an order, send the invoice, then wait, sometimes thirty days, sometimes ninety. Meanwhile, payroll is due Friday and your...
by Stephen Troy | Feb 22, 2023 | Blog
Wikipedia defines fintech as new technology to compete with traditional financial methods to deliver financial services using Artificial Intelligence, Blockchain, Cloud Computing and Big Data. The dictionary defines fintech as computer programs and technology that...
by Stephen Troy | Nov 30, 2020 | Blog
Shoppers have come to expect a variety of options before settling on their purchases. Options are everywhere, from hotel stays where you can get rooms in various sizes and views, to restaurants with different menus. Department stores offer clothes in a plethora of...
by Stephen Troy | Aug 27, 2019 | Blog
Ever since the Great Recession banks have tightened up their credit requirements, and more recently, interest rates on business credit lines have been rising. These events have made it increasingly difficult for small businesses to finance sales to their customers....
by Stephen Troy | Aug 1, 2019 | Blog
Nobody likes a thief. Unfortunately, as the economy gets stronger, and people get wealthier, there is no shortage of people who are looking to separate you from your money. You need to be the one to protect yourself from being one of thousands of victims of fraud each...
by Stephen Troy | Jul 31, 2019 | Blog
Technology has made factoring a more efficient business, requiring fewer banking skills, and much less labor than years past. Back in the 1980’s, when this author started in business, we were still working on handwritten ledger cards, and the “Yellow Pages” was the...
by Stephen Troy | Jul 9, 2019 | Blog
You would think with all of the access we have to information we would be able to spot fraud much easier and avoid losing our life savings or make devastating business decisions. No matter how much the police, FBI and the news media publicize fraud, millions still...
