specialty finance

Federal small-business lending data rules and roughly ten state disclosure laws have turned documented, consistent MCA collections into a compliance requirement, not just a recovery tactic.

Two lenders, one book size, two collections cost structures. Why a manual desk scales with headcount while an operated cadence holds cost flat as the book grows.

Alternative lenders lose 15 to 20% of recoverable AR to inconsistent follow-up, not bad credit. Why recovery is a timing problem, and how CXO closes the gap.

Off-the-shelf underwriting was built for W-2 borrowers, not the cash-flow businesses alternative lenders fund. Here is where it leaks deals and how to fix it.