SBA Workforce Cuts: What It Means for Small Businesses and How to Navigate Potential Challenges

A recent article from Federal News Network reports that the Small Business Administration (SBA) is planning to cut 43% of its workforce and return to pre-pandemic staffing levels (“SBA to cut 43% of the workforce, return to pre-pandemic staffing levels,”

10 Ways Small Business Owners Can Leverage AI to Boost Their Business

As a society, we are in the midst of the beginning of the artificial intelligence revolution with the popularity and use of large language models such as ChatGPT, Google’s Gemini, China’s DeepSeek, and Tesla’s Grok – to name a few.

Is Debt Relief a Better Path Than Bankruptcy? A Comprehensive Analysis

In today’s volatile economic landscape, businesses facing severe financial distress often find themselves considering two primary options: debt relief programs or bankruptcy protection. Although both paths may provide solutions to overwhelming financial obligations, they differ greatly in their methods, effects,

Escaping the Merchant Cash Advance Minefield: A Path to Relief in 2025

As we move deeper into 2025, the financial landscape for small businesses is more treacherous than ever. The recent headlines tell a stark story: merchant cash advances (MCAs), once heralded as a lifeline for cash-strapped companies, are increasingly proving to

Understanding Your Rights: How UCC Article 9 Impacts Merchant Cash Advance Agreements

In today’s fast-paced business environment, merchant cash advances (MCAs) often appear as an attractive financing solution for companies facing immediate cash flow challenges. However, these financial instruments carry significant legal implications that many business owners only discover when facing financial

The Strategic Imperative: Mastering Cash Flow for Business Longevity

In the high-stakes arena of business ownership, few metrics carry the weight and consequence of cash flow. It’s not merely an accounting concept but the fundamental rhythm determining whether an enterprise thrives or falters. At EverydayDebt, we’ve witnessed countless businesses—from

Navigating MCA Reconciliation Clauses: A Business Owner’s Guide

In the complex world of merchant cash advances (MCAs), reconciliation clauses are a crucial yet often misunderstood aspect of these agreements. At EverydayDebt, we frequently meet business owners who have relied on these provisions, only to find significant limitations when

Merchant Cash Advance Mechanics and Hidden Risks: What Business Owners Need to Know

In today’s challenging business environment, access to capital remains a persistent obstacle for many companies. When traditional bank loans seem out of reach, Merchant Cash Advances (MCAs) often emerge as an appealing alternative. Their promise of quick funding without rigid