Practical, opinionated, non-sales-driven writing for business owners making hard financial decisions. Written by the Renaissance Capital Advisors consulting team.
Analysis
As of June 1, 2025, SBA 7(a) loans can no longer be used to refinance merchant cash advances. What that change actually means for business owners with stacked MCAs — and which exit ramps remain on the table. Read analysis
Analysis
Why the "no fee unless we save you money" model creates a built-in conflict of interest — and what to weigh instead before engaging any debt firm. Read analysis
Framework
Five questions that turn a confusing pile of merchant cash advance contracts into a decision you can actually make — before you settle, refinance, or restructure. Read framework
Guide
When an SBA loan is the right call, when alternative financing fits better, and when neither is the answer. A four-question framework for owners weighing capital options. Read guide
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