Daniel Reyes: Funding-Cost Analyst
Daniel Reyes covers small-business funding costs for CashFlow Alternatives. 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 an APR-equivalent. That lets owners compare an MCA against a term loan or credit-to-cash fairly. He now publishes independent cost comparisons. He is a publisher, not a lender. He holds no economic interest in any MCA provider.
Credentials and Why You Can Trust This Analysis
- Education: MBA, Finance (accredited US university)
- Experience: 9 years of commercial credit underwriting and alternative small-business lending
- Specialization: small-business working capital, MCA and factor-rate math, credit-to-cash
How Daniel Works and What He Reviews
Every funding option on this site is reduced to the same two numbers: total dollar cost and APR-equivalent over a realistic repayment window. An MCA, a term loan, and a credit-to-cash conversion can then be compared without translating marketing language first. Rates are dated. Provider figures are re-checked periodically.
Limitations of the Data and Methodology
Nothing on this site is financial, legal, or tax advice. Figures are market approximations as of the date published; actual terms depend on creditworthiness, revenue, and provider underwriting.
This site contains affiliate links. If you use a service through a link on this page, we may receive compensation at no additional cost to you.