Small Business Financing, Merchant Cash Advance, Small Biz Loan Brokers and The Three Card Monte.

Small business loans, merchant cash advance, and the Three Card Monty. If you own a small business and have searched online for a small business loan, or spoken with loan brokers, the chances that you have heard the following lines are pretty good. "It only starts out as a high interest rate, then automatically lowers in a few months." "Sign this funding contract and we'll refinance it to a much lower, monthly payment with a low APR next month." "Sign here, we'll fund you in a few hours at a higher rate, but it switches into a term loan at 6% after the 3rd month." "Sign here for the full funding amount, we'll give you half the capital and the remainder in a few months." We could tell you more "one-liners" but you get the drift. Perhaps, you have even been a victim of the nonsense above?

The Three Card Monte is also known as find the lady and three-card trick – is a confidence game in which the victim, or "mark", is tricked into betting a sum of money, on the assumption that they can find the "money card" among three face-down playing cards. It is the same as the shell game except that cards are used instead of shells. In its full form, three-card Monte is an example of a classic "short con" in which a shill pretends to conspire with the mark to cheat the dealer, while in fact conspiring with the dealer to cheat the mark. The chances of a mark winning are almost nil against a skilled con artist. Sadly, there are a lot of similarities to the Three Card Monte and the tactics being used in the small business loan industry. 

Folks, it is shocking what some funding companies & brokers are misleading business owners with, and it's even more shocking that business owners are putting the future of their business in the hands of strays they find over the Internet. There are thousands of funding companies and loan brokers who will tell you anything you want to hear to close a loan, and they could care less about burying you in debt, or putting you out of business. Small business financing has morphed into the same model as the mortgage industry, and look what happened there.


  • Do you know what the level of education is needed to offer small business loans, merchant cash advances "MCA's" and other small business funding products? NONE
  • Do you know how many certifications are required to offer financing advice? NONE
  • Do you know how many courses are needed to work at a funding company? NONE
  • Do you know how much regulation is behind the small business loan industry? NONE

In today's online and digitally connected business world, nearly all small business owners have 'shopped' banks, loan brokers, online lenders, loan platforms, etc., simply to see what kind of financing options are being offered. Heck, you don't even have to go out and search for financing anymore, it's practically being thrown at you from every angle. From telemarketer solicitations, loan brokers harassing you, social media constantly in your face, postcards arriving in the mail, flyers landing on your desk, banner ads flooding your search engines, pop ups appearing on every website you visit and emails flooding your inbox. All promising the lowest rates, best terms and instant pre-approvals for hundreds of thousands of dollars simply for having a pulse! These days, you can't get away from all the small business loan offers if you tried.

With literally thousands of online lenders, affiliate websites, bloggers and millions of other sources offering financial advice for small businesses, coupled with the constant barrage of loan offers being thrown at anyone who has ever searched for a loan online, it may seem like the best option is to shop around. With the non-stop promotion of "free quotes," gift cards and knife sets being offered as bribery to fill out loan applications, and web platforms being created for the purpose of having lenders fight for your business; small business owners have been led to believe that the more they shop for money, the better "deal" they will find. Nothing could be further from the truth. Not to mention, the shady business of pushing cookie cutter, one-size-fits-all loan solutions onto small businesses with varying needs could be more damaging than anything else. We hear about 1-2 small business owners every single week, being forced into bankruptcy or closing their doors, because they accepted the wrong small business loan from a lender who took them for a ride.

Obtaining capital for your business is not about finding the most amount of money, it's about putting the right amount of capital to good use and growing your business. You can't grow, if all you do is owe. Just because you find a lender who is willing to bury you in debt (and there's plenty of them out there that will be happy to), doesn't mean you should let them do it; or do it to yourself for that matter. It's astonishing how many business owners call us daily, complaining about how much debt they are in from small business loans and merchant cash advances, yet walk from realistic financing offers in search of the highest funding amount they possibly find. One minute these folks are complaining about the level of debt they're carrying, then go on a wild goose chase in search of the highest loan amount they can possibly find, which just buries them in more debt.

At LVRG, we’re always striving to offer the best client experience, whether that’s by helping you find the best small business funding at the lowest rate or just answering a question about cash flow. We are committed to building client partnerships, and the funding model of our firm is built around this principle. We connect business owners with funding opportunities that match their specific industry. LVRG specializes in securing funding opportunities that complement the needs of small and medium size businesses. We offer the best terms available in the industry, an easy application process, and rapid approval times. LVRG offers niche financing in a large array of categories. Our advisors are knowledgeable about the intricacies of each client's industry. LVRG is a real small business funding company, and we’re doing big things for small business.  

By working with you directly, we get to know both you and your business, from your short-term needs to your long-term goals. That way, we can create a funding option that works best for you. And by teaming up with LVRG, you know you’ll have a partner that’s committed to providing a superior borrowing experience. In order to create that experience, we emphasize how important it is that you’re able to not only borrow right away, but, more importantly, the right way. Some of our competitors talk a lot about how fast they can get you money. Sure, speed is important, but it’s hard to get to your destination quickly if you don’t know the right way to get there. We work with you to figure out the right-sized capital for your business. Our funding is fast, but it’s also thoughtful and affordable.

To find you the right-sized loan, we don’t just plug your information into a computer and let it make all the decisions. We enter into partnerships with clients, and our approach to success is to connect small business owners with appropriate funding. We provide guidance and share our knowledge of the industry with every client. We are not merely brokers; we strive to promote the careful maneuvering of the lending landscape to every entrepreneur. We strive to assist in the building of your business, and we do this by not leaving you adrift in the lending arena. LVRG endeavors to build client relationships that last beyond a one-time small business loan. We provide consultants who understand how to fit entrepreneurs with the products that fit their business and not the products that most benefit our firm.

We combine data-crunching software with a human touch to come up with affordable funding solutions that best fit your needs. LVRG is a team of the right people working with the right data getting you the right-sized funding for your business. At LVRG, we believe we are different from other lending firms. We never set out to be the biggest, but we do strive to be the best. Our deep sense of integrity, professionalism, and commitment to the spirit of entrepreneurialism propel our determination to provide assistance to small business owners in a challenging economic climate.