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Chris Motola

Chris Motola

Expert Analyst & Reviewer at Merchant Maverick
An expert in personal and business loans and financial health, Chris Motola has been writing about small business finance and payments for over 5 years. He has been cited in various industry publications, including Forbes Advisor, GoBankingRates, and Medium. Chris is a graduate of the University of Central Florida.
Chris Motola
View Chris Motola's professional experience on LinkedIn.
merchant cash advance industry

What Is A Merchant Cash Advance & How Do They Work?

A merchant cash advance is a sales agreement where the merchant (the “seller”) is selling their future revenue at a discount to the merchant cash advance company (the “buyer”). Because merchant cash advances are sales agreements, they generally aren’t covered by usury laws that govern loans. This is where they get their dubious reputation. The effective APRs of merchant cash advances can easily crawl into the triple digits.

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Nov 20, 2020 Filed under: Business Loans, Merchant Cash Advance 5

What Is A Loan-To-Value Ratio (LTV)?

If you’re investigating hard money loans, a type of private lending used to purchase or upgrade real estate, you’ve probably come across an unfamiliar acronym: LTV. We’ll take a look at what LTV is and the role it plays in lending. What Is A Loan-To-Value Ratio? LTV stands for Loan-To-Value ratio. While it plays a […]

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Jan 9, 2020 Filed under: Business Loans 0

Is Hard Money The Answer When You Have Declared Bankruptcy?

Businesses that have declared bankruptcy can face a challenging road back to the regularly lending scene. If you search online for loan alternatives, sooner or later you’re going to run into the concept of hard money. Hard money loans are a type of direct loan from an investor to an individual or business for the […]

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Mar 3, 2020 Filed under: Business Loans 4

How Can I Get A Bank Loan For My Business If I’ve Had A Bankruptcy?

Bankruptcy shouldn’t be taken lightly. Aside from asset forfeiture, the shock to your credit rating is the main disincentive to filing bankruptcy. Prospective filers are cautioned that they’ll have a hard time accessing credit for up to a decade. While there’s some truth to these warnings, the worst case scenarios are also a bit overblown. […]

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Feb 27, 2020 Filed under: Business Loans 0

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