SpecialLoan

Guides

How these programs work, what the paperwork actually says, and which products are worth walking away from. Every piece carries the date it was last checked and the sources it rests on.

  1. What financing really costs

    The SBA stopped allowing MCA refinancing in 2025. Brokers are still selling it.

    SOP 50 10 8 made merchant cash advances and factoring agreements ineligible for 7(a) refinancing on 1 June 2025. Here is what the rule says, why the SBA made it, and what actually remains open to a business carrying MCA debt.

    Updated 2026-08-30