CredisianNews, guides and insights on business credit and borrowing for US small-business owners.https://credisian.com/New York Court Lets Merchant Cash Advance Criminal-Usury Defense Proceed Over Reconciliation Disputehttps://credisian.com/ilend-advance-merchant-cash-advancehttps://credisian.com/ilend-advance-merchant-cash-advanceA NY court let a merchant cash advance criminal-usury defense proceed over reconciliation disputes. Learn what this ruling means for your business.Wed, 04 Nov 2026 05:12:00 GMTBefore You Finance a Truck or Trailer, Protect Your Business Credithttps://credisian.com/business-credit-buildinghttps://credisian.com/business-credit-buildingBusiness credit building starts before you finance equipment: check bureau reporting, compare lender types and terms, and ask what happens if prices change.Sun, 01 Nov 2026 22:08:00 GMTMerchant Cash Advance Cost Disclosure: Why Your State, Not Washington, Decides What You Seehttps://credisian.com/merchant-cash-advance-cost-disclosurehttps://credisian.com/merchant-cash-advance-cost-disclosureThe CFPB's small-business lending data rule leaves out merchant cash advances. Here's what that means for the cost disclosures you get.Thu, 29 Oct 2026 23:24:00 GMTSemi Truck Financing: What to Ask Before Your Next Equipment Dealhttps://credisian.com/semi-truck-financinghttps://credisian.com/semi-truck-financingSemi truck financing data points to more equipment finance activity and a jump in trailer orders. Know what to ask lenders before you commit.Thu, 29 Oct 2026 22:08:00 GMTBusiness Loan Denied: How to Find the Reason and Plan Your Next Movehttps://credisian.com/business-loan-denied-next-stepshttps://credisian.com/business-loan-denied-next-stepsA business loan denied by a bank or lender is information, not a verdict. Learn how to get the reasons, sort what you can fix and decide whether to reapply.Thu, 29 Oct 2026 09:00:00 GMTMCA Consolidation vs. Reverse Consolidation: Which Positions Close?https://credisian.com/mca-consolidationhttps://credisian.com/mca-consolidationMCA consolidation can pay off existing positions, while reverse consolidation usually leaves them open. Compare remittances, deposits and payoff documents.Thu, 29 Oct 2026 06:00:00 GMTSeasonal Business? How to Read Sales-Based Financing Disclosures Before You Signhttps://credisian.com/sales-based-financing-disclosure-seasonal-saleshttps://credisian.com/sales-based-financing-disclosure-seasonal-salesLearn how to read the Payment Terms, Estimated Payment, and Estimated Term rows on a sales-based financing disclosure if your business revenue is seasonal.Fri, 23 Oct 2026 17:28:00 GMTSBA Loan Refinance for an MCA: The 24-Month Path Under the Oct. 1, 2026 Ruleshttps://credisian.com/sba-loan-refinance-mcahttps://credisian.com/sba-loan-refinance-mcaAn SBA loan can pay off a merchant cash advance only after it becomes a term loan with 24 months of payments. Here is the path and what to ask.Tue, 20 Oct 2026 01:46:00 GMTMerchant Cash Advance Fees: What to Ask About Before You Signhttps://credisian.com/merchant-cash-advance-feeshttps://credisian.com/merchant-cash-advance-feesCompare merchant cash advance fees using one dated agreement: net funds, deductions, remittance and reconciliation questions to ask before signing.Thu, 22 Aug 2024 13:00:00 GMTAlternative Funding for Small Business: SBA Loans, Factoring and MCAs Comparedhttps://credisian.com/alternative-funding-for-small-businesshttps://credisian.com/alternative-funding-for-small-businessAlternative funding for small business is not funding without obligations. See how an SBA loan, invoice factoring and a merchant cash advance each work.Fri, 19 Apr 2024 13:00:00 GMTRising Interest Rates for Small Business: Fixed vs. Variable SBA Loanshttps://credisian.com/rising-interest-rates-business-financinghttps://credisian.com/rising-interest-rates-business-financingHow rising interest rates affect SBA payment planning: questions about fixed and variable terms, lender documents and your business cash flow.Fri, 27 Oct 2023 13:00:00 GMT