How to Respond to Negative Press

January 3, 2019
Article by:

Wondering what to do about negative press? deBanked spoke to some Public Relations professionals about helpful techniques to manage the situation. “When it comes to a negative story, we advise our clients to bridge back to something they are comfortable talking about,” said Bill McCue, Executive Consultant at Indicate Media. Bill McCue, Indicate media McCue […]

What’s a Broker To Do? Industry Execs Offer Their Insight

March 12, 2018
Article by:

Below are excerpts from separate interviews with four industry executives when asked for tips or advice for brokers: “I would just say to be in it for the long haul. Play the long game. Be the kind of quality partner that you would want in return. There are some brokers and referral sources in this […]

Google Penguin 2.1 Takes Swing at Merchant Cash Advance Industry

October 5, 2013
Article by:

If you noticed a shuffle in search rankings for industry keywords last night, it’s because Google unleashed Penguin 2.1. Penguin 2.1 launching today. Affects ~1% of searches to a noticeable degree. More info on Penguin: — Matt Cutts (@mattcutts) October 4, 2013 Penguin focuses on spammy or purchased backlinks so if you did one […]

Split Funding is Here to Stay

August 21, 2013
Article by:

I’ll say it for the hundredth¹ time, the advantage of split-funding is the ability to collect payments back from a small business that has traditionally had average, weak, or poor cash flow. Let’s put that into perspective. There is a distinct difference between a working business with poor cash flow and a failing business. A […]

When Merchant Cash Advance isn’t the Right Fit

August 12, 2013
Article by:

not the right fit

“I know you do a million in gross sales monthly but since you process only $5,000 in credit cards, we can only approve you for $7,000.” Before ACH repayment became mainstream, the MCA industry was incredibly restrained in its ability to help businesses. A merchant seeking a half million dollars with the cash flow and […]

Factoring Construction Deals: It’s not impossible

April 18, 2013
Article by:

Construction Factoring Company

Being my first post in the Small Business Corner, allow me to introduce myself. My name is Steve Ontiveros and I’m the founder of The Factoring Place. I’m good at finding the right factoring company for my clients based on their unique situations. Factoring and MCA really aren’t that different. Each company seeking a merchant […]

Don’t Get Banned by Your Target Market

March 19, 2013
Article by:

kicked out?

I’ve watched this happen a lot over the last several weeks, particularly on Google Plus. Businesses both large and small join a community, start posting links to their blog and then they get banned. Some are posting crap and others are posting genuinely good content, but the good content is being pushed on people and […]

Small Business Loans for Men? Not a Good Idea…

March 18, 2013
Article by:

business loans for men

A man walks into a bank and says “I want to know what kind of programs, discounts, and benefits you offer for men owned businesses.” The bankers exchange glances with each other and reply together, “For men? Sure! We love men!” Sounds a little outrageous doesn’t it? Don’t worry, this doesn’t usually happen, at least […]

Funding for Startups – An Ongoing Struggle

March 6, 2013
Article by:


Startup. Some people like the term and some people hate it. It doesn’t even mean the same thing to everyone. To some, the mega giant Groupon is a startup and they’ve been in business for almost 4 years and earned $638 million in revenue last quarter. To others, a startup is simply an idea for […]

The Inefficient Merchant Lending Market Theory

March 5, 2013
Article by:


There are 4 major factors used to determine approvals in the merchant lending market: • FICO Score / Credit Report history of owners • Monthly Gross Revenue • Time in Business • Average Daily Bank Balance Only 1 of these factors considers the applicant’s reputation, and that’s credit reports. Credit reports reveal past payment history […]

The Financial Statement Problem

February 26, 2013
Article by:

balance sheet

The Banks Know When You Don’t Keep Track In the land of underwriting, sometimes Assets do not equal Liabilities + Equity. This only happens of course when a Balance sheet is prepared so poorly that it doesn’t even do the fundamental thing, balance… and I’ve seen plenty of these in my career. I’ve hung around […]

Your Life or Your Bank Statements

February 20, 2013
Article by:

bank statemetn

“Um, I don’t feel comfortable sending them to you because they’re private.” One of the most interesting things I experienced as a broker and underwriter is the amount of times I heard merchants tell me their bank statements were too private to send in. I understand it’s not exactly the same thing as telling someone […]

Where’s the Reserve?

February 15, 2013
Article by:

cash reserves

5 years ago it was merchant account sales. These days it’s all about the average daily ending balance in the business bank account. As the alternative business lending industry evolved, so too did the criteria to qualify, and nothing is more important now than historical cash flow. I spent a lot of time underwriting MCAs […]

Competitive Advantage: Keeping What’s Yours

February 6, 2013
Article by:


The most effective competitive advantages are the ones you’re able to keep. And one of the most important of your competitive advantages can be your team. When a close partner, associate, consultant, or key employee leaves your organization there can be a really good chance of losing more than the individual qualities, skills, or experience […]

Social Media for Small Business: Food for Thought

January 29, 2013
Article by:

Google Plus Facebook

Here’s an interesting trend: blog posts on the subject of the “decline” of social media. Within 90 seconds you can locate three such articles on 3 Reasons You Should Quit Social Media In 2013 Facebook, Twitter? Can The Decline of Social Media Come Fast Enough? Why I Dumped My Smartphone – 2 Months Into […]

Coming In From the Cold: Connecting With Prospects

January 29, 2013
Article by:

ice cold call

A small business owner posted a great question on the LinkedIn group “Small Business Networks for Startups and Entrepreneurs” board: Are cold calls effective? Or is it old school? For a small company, what is the best way to promote the business? Any advice will be greatly appreciated.” The small business owner who posted this […]

The World is Going Mobile

January 28, 2013
Article by:

We noticed a lot of people sharing and retweeting a link today to a web campaign by Google to create mobile friendly sites. Coincidentally, we’ve been working on “mobile-izing” Merchant Processing Resource for the past couple weeks. We used Google’s GoMo tool to see how we’re doing so far: 2 Seconds and easy to use! […]

A New Approach to Providing Employee Feedback for Small Business Owners

January 22, 2013
Article by:


Sometimes you just can’t figure out how to deal with employees. Take Rebecca your receptionist. She’s excellent with clients, knows exactly what calls to put through and when to take a message, dresses professionally, and gets along with everyone in the office. She can juggle answering multiple phone lines while greeting multiple clients with ease, […]

Getting Permission

January 21, 2013
Article by:

opt-in marketing

Numbers don’t lie. 77% of online consumers surveyed said they want to receive permission-based marketing messages via email. Sounds impressive – but even more impressive when you learn that direct mail came in a distant second with only 9% looking forward to opening their mail box. Interestingly, only 5% preferred text messages. (Source: ExactTarget 2012 […]

Like a Rolling Stone

January 16, 2013
Article by:

cut ties

There’s an old story still making the rounds on the Internet about a woman calling into a computer company extremely frustrated because her new computer wouldn’t start up. The customer service technician, of course, first made sure the machine was plugged in (there’s a good chance that question made his customer even more angry and […]