Alternative Financing

Explore cutting-edge insights in Alternative Business Finance

Regulatory Technology [RegTech]

Aug 27, 2026

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9 min read

$964K clawback hits 3 MCA funders

Alleged rates ran 62% to 149% on money already paid.

Jordan Hansen

Regulatory Technology [RegTech]

Aug 25, 2026

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9 min read

7 agencies void targeted-loan cover

The rule that actually binds changed five weeks ago.

Jordan Hansen

Regulatory Technology [RegTech]

Aug 22, 2026

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8 min read

CFPB pulls 3.8M complaint narratives

A free early-warning surface for partner risk goes dark.

Jordan Hansen

Market Dynamics & Strategy

Aug 20, 2026

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8 min read

Clearco caps jump to $10M per merchant

Your upper-ticket ecomm deals just got a bidder

Jordan Hansen

Market Dynamics & Strategy

KBRA, Midland Flagged Partner Before Coastal Hit

Aug 18, 2026

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11 min read

KBRA, Midland Flagged Partner Before Coastal Hit

What your indemnity is worth if payment stops?

Jordan Hansen

Market Dynamics & Strategy

Nvidia offers 25% residual support in AI finance push

Aug 15, 2026

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9 min read

Nvidia offers 25% residual support in AI finance push

Separate supplier's risk from borrower's cash flow

Jordan Hansen

Regulatory Technology [RegTech]

DOJ SCRA settlements hit $916K across three firms

Aug 13, 2026

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10 min read

DOJ SCRA settlements hit $916K across three firms

Why 3931 affidavits reach your MCA and factoring book

Jordan Hansen

Market Dynamics & Strategy

Senate passes bill lifting Sub V cap to $7.5M

Aug 11, 2026

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10 min read

Senate passes bill lifting Sub V cap to $7.5M

Advances and factoring absorb it; secured keeps 1129(b)

Jordan Hansen

Regulatory Technology [RegTech]

Massachusetts Took $2.5M Over AI Underwriting, Using a Theory Federal Law Dropped on July 21

Aug 8, 2026

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12 min read

Massachusetts Took $2.5M Over AI Underwriting, Using a Theory Federal Law Dropped on July 21

Regulation B covers business credit, so the effects test left your merchant files too. New Jersey's statute reaches any loan for whatever purpose, and it did not move.

Jordan Hansen

Market Dynamics & Strategy

Banks Loosened Business Credit Past Its Historical Midpoint, Citing Nonbank Competition

Aug 6, 2026

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11 min read

Banks Loosened Business Credit Past Its Historical Midpoint, Citing Nonbank Competition

The Fed's July survey, released August 3, puts every other loan category at the tight end of its range since 2005, including the credit banks extend to nonbank lenders.

Jordan Hansen

Alternative Financing

Sallie Mae Targets $5 Billion a Year as Washington Exits Graduate Lending

Aug 4, 2026

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10 min read

Sallie Mae Targets $5 Billion a Year as Washington Exits Graduate Lending

The Ninth Circuit locked in $23 billion of borrower-defense relief the same month Grad PLUS ended. A roughly $15 billion a year federal market now belongs to private and state lenders, on private terms.

Jordan Hansen

Market Dynamics & Strategy

Open Lending's Only Bidder Cut Its Offer From $3.50 to $3.15

Aug 1, 2026

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9 min read

Open Lending's Only Bidder Cut Its Offer From $3.50 to $3.15

Eight buyers were contacted and one bid. While the two sides negotiated, certified loan volume kept falling, and the offer followed it down.

Jordan Hansen

Alternative Financing

Fortress Will Buy $1.5B of Merchant Advances

Jul 30, 2026

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8 min read

Fortress Will Buy $1.5B of Merchant Advances

A three-year forward flow for 5-to-10% fixed-fee paper, terms undisclosed

Jordan Hansen

Regulatory Technology [RegTech]

SBA Pushes $10M Loans as Defaults Hit a 12-Year High

Jul 28, 2026

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9 min read

SBA Pushes $10M Loans as Defaults Hit a 12-Year High

One borrower can now stack $5M of 7(a) on $5M of 504. The taxpayer guarantee cap never moved

Jordan Hansen

Regulatory Technology [RegTech]

Credit Washers Erased $10B. Their Files Score Prime

Jul 25, 2026

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8 min read

Credit Washers Erased $10B. Their Files Score Prime

Suppressed charge-offs default at 12x the clean-file rate; auto fraud losses tripled to $323M

Jordan Hansen

Regulatory Technology [RegTech]

Car-Mart Collected $730M and Still Ran Out of Cash

Jul 23, 2026

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8 min read

Car-Mart Collected $730M and Still Ran Out of Cash

The waterfall kept the cash. 60 of 154 lots closed, then came the going-concern warning

Jordan Hansen

Regulatory Technology [RegTech]

State AGs Move to Block OnDeck, Bitty Bank Deals

Jul 21, 2026

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11 min read

State AGs Move to Block OnDeck, Bitty Bank Deals

Enova owns OnDeck; OppFi has 35% of Bitty, 2027 option

Jordan Hansen

Regulatory Technology [RegTech]

Third MCA Funder This Year Prints a Rated ABS

Jul 18, 2026

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8 min read

Third MCA Funder This Year Prints a Rated ABS

ByzFunder and Kapitus ran the same rated-ABS playbook

Jordan Hansen

Regulatory Technology [RegTech]

Judge Doubts Plain Green's 8% Fix for 697% Loans

Jul 16, 2026

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9 min read

Judge Doubts Plain Green's 8% Fix for 697% Loans

Collection, not the rate, decides mootness

Jordan Hansen

Regulatory Technology [RegTech]

OCC, FDIC Tell Lenders to Price Deportation Risk

Jul 14, 2026

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9 min read

OCC, FDIC Tell Lenders to Price Deportation Risk

ECOA reaches your MCA and factoring book too

Jordan Hansen

Regulatory Technology [RegTech]

New Model-Risk Guidance Skips Agentic AI

Jul 11, 2026

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10 min read

New Model-Risk Guidance Skips Agentic AI

FREE SOS Agentic AI Access for Business Verification

Jordan Hansen

Alternative Financing

$321M AAA Deal Prices on FICO 9, Not Classic

Jul 9, 2026

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8 min read

$321M AAA Deal Prices on FICO 9, Not Classic

Warehouse eligibility criteria still assume classic FICO

Jordan Hansen

Regulatory Technology [RegTech]

Klarna Joins Affirm, OneMain in FDIC Charter Queue

Jul 7, 2026

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7 min read

Klarna Joins Affirm, OneMain in FDIC Charter Queue

Rival funds cheaper; that spread is his ad budget

Jordan Hansen

Market Dynamics & Strategy

Goldman Pays All Exits as Rivals Gate at 5%

Jul 4, 2026

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7 min read

Goldman Pays All Exits as Rivals Gate at 5%

Blue Owl tech fund exit calls hit 38% of shares

Jordan Hansen

Alternative Financing

Spurstone Credit Targets $100M-$1B Borrowers

Jul 2, 2026

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6 min read

Spurstone Credit Targets $100M-$1B Borrowers

Texas Capital Tie-Up Targets Non-Sponsor Credit

Jordan Hansen

Alternative Financing

$964K clawback hits 3 MCA funders

7 agencies void targeted-loan cover

CFPB pulls 3.8M complaint narratives

Clearco caps jump to $10M per merchant

KBRA, Midland Flagged Partner Before Coastal Hit

Nvidia offers 25% residual support in AI finance push

DOJ SCRA settlements hit $916K across three firms

Senate passes bill lifting Sub V cap to $7.5M

Massachusetts Took $2.5M Over AI Underwriting, Using a Theory Federal Law Dropped on July 21

Banks Loosened Business Credit Past Its Historical Midpoint, Citing Nonbank Competition

Sallie Mae Targets $5 Billion a Year as Washington Exits Graduate Lending

Open Lending's Only Bidder Cut Its Offer From $3.50 to $3.15

Fortress Will Buy $1.5B of Merchant Advances

SBA Pushes $10M Loans as Defaults Hit a 12-Year High

Credit Washers Erased $10B. Their Files Score Prime

Car-Mart Collected $730M and Still Ran Out of Cash

State AGs Move to Block OnDeck, Bitty Bank Deals

Third MCA Funder This Year Prints a Rated ABS

Judge Doubts Plain Green's 8% Fix for 697% Loans

OCC, FDIC Tell Lenders to Price Deportation Risk

New Model-Risk Guidance Skips Agentic AI

$321M AAA Deal Prices on FICO 9, Not Classic

Klarna Joins Affirm, OneMain in FDIC Charter Queue

Goldman Pays All Exits as Rivals Gate at 5%

Spurstone Credit Targets $100M-$1B Borrowers

Beyond Banks

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