Red flags in small‑business funding offers (and how to avoid them)
Common red flags
- Junk fees hidden in fine print (processing, “set-up”, “risk” fees). Ask for total payback and an all‑in schedule.
- Double dips: stacking new advances before the first is paid off. This can balloon effective cost.
- Opaque prepayment: policies that require the full fee even if you repay early. Ask for written early‑pay terms.
- Aggressive remedies: overly broad default clauses or aggressive collection terms. Read before you sign.
How we handle it
We disclose total payback and cadence in writing, explain trade‑offs in plain English, and avoid junk fees.