Category
Trust & Transparency
This industry runs on information the customer does not have. How the broker is paid, what the funder's buy rate was before the markup, which fees appear only on the day of funding, what happens to an application after it is emailed to a stranger: little of that is secret, exactly, but almost none of it is volunteered. This category volunteers it.
The articles here explain how brokers, including this one, actually get paid, and why you should ask any broker that question directly. What backdooring is and how to protect your file from it. The fees nobody walks you through: origination, professional service fees, wire fees, and what each one actually costs on a real deal. The warning signs of a predatory funder, from reconciliation clauses that never reconcile to confessions of judgment. And why we will not quote you a rate before seeing your file, even though plenty of ads happily will.
ClickFundBiz is a commercial financing broker. We earn compensation, in most cases from the provider, when financing we arrange funds, and that fact shapes the incentives behind every piece of advice this industry produces, ours included. Publishing how the machine works is partly principle and partly strategy: informed customers choose honest counterparties, and we would rather compete for informed customers than confused ones. Read this category before you take anyone's word for anything, including ours.
All articles in Trust & Transparency
Trust & Transparency
The Fees Nobody Explains: Origination, PSF, and What They Actually Cost
Origination fees, professional service fees, wire and UCC charges: where each one hides, what it does to your real cost, and how to surface all of them early.
Trust & Transparency
How MCA Brokers Get Paid, and Why You Should Ask Yours
Points, buy rates, sell rate spreads and broker-side fees explained with worked numbers, how our own compensation works, and what to ask any broker you use.
Trust & Transparency
Is This Offer Too Expensive? A Framework for Deciding
A funding offer is never expensive in a vacuum. Weigh its dollar cost against what the money earns or saves, with worked math and signs a deal fails the test.
Trust & Transparency
11 Warning Signs You're Dealing With a Predatory Funder
Eleven concrete warning signs of a predatory business funder, from confessions of judgment to fees that appear at funding, and what to do when you spot one.
Trust & Transparency
Questions to Ask Before You Sign Any Funding Agreement
The questions worth asking a funder before signing anything: total payback, fees, early payoff, guarantees, liens, reconciliation, and who actually funds you.
Trust & Transparency
The True Cost of a Merchant Cash Advance (With Real Math)
The full math on a $50,000 advance at a 1.30 factor: payback, daily payment, annualized cost, what other products cost, and when speed is worth paying for.
Trust & Transparency
What "Backdooring" Is, and How to Protect Your Application
What backdooring means in business funding, how applications leak to shops you never chose, the damage done, and steps that keep your file where you sent it.
Trust & Transparency
When We Tell Clients Not to Take Funding
The situations where we advise against borrowing entirely: payments that fail the math, debt that services debt, and problems funding cannot actually solve.
Trust & Transparency
Why We Won't Promise a Rate Before Seeing Your File
Why a firm rate before underwriting is a number someone invented, what actually sets business funding pricing, and how to use quotes as a test of honesty.