If your merchant is over leveraged or if they want something better than a MCA, reach out. I have done multiple MCA take outs using asset based lending, personal loans, term loans, factoring, real estate cash out, etc.

For all you brokers and reps out there....please reach out if you have ANY questions about alternative financing. I am more than happy to do a conference call with you and your merchant/client to investigate options for them.

Steve Benjamin

Professional Business Loans

Irvine, CA  92620

SteveProBiz@gmail.com   

Hey everyone,Excited to introduce U.S. Fund Advisor AI, a new AI-powered funding platform designed to help U.S. business owners find the most suitable financing options — 100% free and fully automated.

The platform analyzes each business’s data in real time and matches it with verified lenders that best fit their profile — with no human involvement, no bias, and no credit card required.

What makes it unique:

• ⚙️ AI-driven matching system

• ⏱️ Results in under 60 seconds

• 💵 Personalized funding report for each business

Q3 2025 Key Findings

1. Growth Expectations. Small businesses remain confident, with 93% expecting growth in the next year and 31% projecting significant growth — the highest since Q1 2024.

2. Access to Working Capital. Seventy-five percent (75%) of small businesses surveyed are bypassing traditional banks in favor of non-bank or fintech lenders, a continuing and steady trend with companies preferring the quicker lending decisions and simpler process offered by fintechs.

3. Top Challenges. Cash flow and inflation remain the top concerns for small business owners, reported by 30% of respondents in Q3.

4. AI Adoption. A majority of business owners (52%) report that they have incorporated AI into their operations.

5. Navigating Tariffs. Most small business owners (65%) remain unsure about tariff impacts, saying other factors — such as seasonal demand (40%) and credit access (38%) — will shape their business strategy more than tariffs (18%) for the rest of the year.

・FBI reportedly executed an arrest warrant at Evolve Bank & Trust headquarters in Arkansas.

・Reports are that CEO Bob Hartheimer was escorted from the building by agents.

・The bank remains under scrutiny for its role in the Synapse fintech collapse.

A source close to the bank said its recently appointed CEO, Bob Hartheimer — nicknamed “Boyscout Bob” — was escorted from the building by federal agents during the operation. He was just named CEO in August.

Sources are reporting that this may be a "personal matter", and not directly related to the bank itself.

Read Story on MSN

Who will be at the B2B finance expo next week. Looking to make contacts ahead of the event.

Special announcement

Senate Democrats voted to block a clean federal funding bill (H.R. 5371), leading to a government shutdown that is preventing the U.S. Small Business Administration (SBA) from serving America’s 36 million small businesses.

Every day that Senate Democrats continue to oppose a clean funding bill, they are stopping an estimated 320 small businesses from accessing $170 million in SBA-guaranteed funding.

As a result of the shutdown, we wanted to notify you that many of our services supporting small businesses are currently unavailable.  The agency is executing its Lapse Plan and as soon as the shutdown is over, we are prepared to immediately return to the record-breaking services we were providing under the leadership of the Trump Administration.

If you need disaster assistance, please visit sba.gov/disaster.

As of early October 2025, the U.S. Small Business Administration (SBA) and several other federal agencies displayed messages on their official websites and in…

From one of my SBA lenders:

SBA loans update with government shutdown- in most cases we are​ getting underwriting, approving, and completing the closing process(including 1919s, e-tran drafts, etc.), so that in theory we will be able to close these within a couple days of the gov reopening. I have about 6 right now that I’ve taken from acceptance to SBA approval and are ready to close, just waiting on the SBA.

Steve Benjamin

Professional Business Loans

Irvine, CA 92620

SteveProBiz@gmail.com

Good article from a local Brooklyn media outlet:

Fintech and the Changing Landscape of Short-Term Lending

FinTech in 2025 has evolved beyond disruption to become an integral part of the global financial system. Artificial intelligence, embedded services, and alternative data have transformed the way people access money, shifting borrowing and lending from slow, traditional processes into seamless, real-time experiences.

This transformation is especially visible in short-term lending, where digital platforms now offer instant approvals, flexible repayment options, and personalized terms tailored to each borrower’s financial profile. By leveraging advanced analytics and automation, lenders can assess risk more accurately, reduce barriers to credit, and deliver solutions that were unthinkable just a few years ago.

Embedded Borrowing

One of the most significant FinTech trends in 2025 is the rise of embedded finance. Credit is no longer accessed as a separate banking product but is built directly into the apps and platforms people…

Broker brings me a client with commercial property in recycling business.  Has $217,000 mortgage his bank refused to renew (with the bank 10 years). 

In addition has 7 MCA's at $750,000 and $350,000 in credit card debt.

Monthly revenue is $575,000 and debt payments are $12,000 a week.

Got him a LOI for $1MM collateralizing 3 properties 30 year loan at 10.1%. 5,4,3,2,1 prepayment penalty.

Reach out if you have any questions on taking out MCA debt for merchants.