About the Author and Editorial Standards

CashFlow Alternatives is a small publication with one author and one discipline: price every funding option in the same units before comparing it. This page explains who writes the guides, the standards each page follows, and how numbers get checked. It exists because funding content has a trust problem. Too much of it is written by the companies selling the product.

The Author: Daniel Reyes

Daniel Reyes covers small-business funding costs for this site. He spent nine years on the lending side, first as a commercial credit analyst at a regional bank, then in alternative small-business finance. He underwrote working-capital deals and converted factor-rate quotes back into APR-equivalents for a living. His full profile lists credentials and specialization.

He is a publisher, not a lender. He holds no economic interest in any merchant cash advance provider. Where this site earns compensation, the page says so in plain language at the bottom.

Editorial Standards Every Page Follows

• Same measurement everywhere. A factor rate, a flat fee, and an interest rate are each converted to total dollar cost and APR-equivalent over a realistic window before any comparison appears.
• Primary sources for every figure. Provider disclosures, the SBA business funding guide, the CFPB complaint database, FTC enforcement records, and NAR research. No number is traced to another blog.
• Dated, not silently edited. When provider terms change, the page gets a new modification date at the top. Old numbers do not linger without a stamp.
• Costs named in dollars. An MCA at a 1.3 factor is described as $4,500 in fees on a $15,000 raise, not as “just 30 cents on the dollar.”
• No invented offers. The site does not fabricate quotes, screenshots, or testimonials. Where a figure is an approximation, the page says so.

How Pages Get Updated

Funding terms move. The MCA collection, the business cash flow lender pages, and the earnest money guides are re-checked against their sources on a rolling basis, and again whenever a reader flags a mismatch. Corrections go out the same day the source check confirms them, with the modification date updated to match.

Corrections and Questions

Spotted a number that looks wrong? Every figure keeps its source next to it, so a mismatch can be checked against the provider’s own disclosure. Corrections that change a comparison get applied to every page that repeats the figure, not just the one you were reading.

What This Site Is Not

Nothing here is financial, legal, or tax advice. Figures are market approximations as of the date published. Actual terms depend on your creditworthiness, revenue, and the provider’s underwriting. For a decision that size, read the relevant guide, then price your own offer with the same two numbers the guides use.