finance legal

SMB Alternative Financing AI Skills

For SMB CFOs + fractional finance: SBA Express + 504 + 7(a), MCA Davenport rule, equipment lease vs loan UCC §1-203, invoice factoring, ECOA personal guarantee, RBF cap-multiple, UCC-1 priority, EIDL collateral, Sub-V SBRA, seller-note IRC §453.

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12total skills

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12 of 12 — sorted by ROI

Skilski Smb Financing Alt Lender Disclosure State Apr

Alternative lender disclosure obligations — NY DFL 23-A, CA SB 1235 / SB 33 / 10 C.C.R.

10× ROI$50/mo

Skilski Smb Financing Eidl Collateral Securitization Collection Defense

SBA EIDL 2020-2024 collateral securitization mechanics — UCC-1 blanket lien on business assets, real property mortgage for loans >$25K, personal guarantee thresholds, SBA…

10× ROI$50/mo

Skilski Smb Financing Equipment Lease Vs Loan Ucc 1 203

UCC §1-203 economic-realities test to determine whether an equipment transaction is a true lease or a disguised security agreement (loan).

10× ROI$50/mo

Skilski Smb Financing Invoice Factoring Notification True Sale

Notification vs non-notification (recourse vs non-recourse) factoring structures — UCC Article 9, determine true-sale vs loan recharacterization risk, map account-debtor rights…

10× ROI$50/mo

Skilski Smb Financing Mca Usury Davenport Recharacterization

Davenport / LG Funding / Champion multi-factor true-loan vs receivables-purchase recharacterization test to a Merchant Cash Advance agreement.

10× ROI$50/mo

Skilski Smb Financing Personal Guarantee Ecoa Spousal Independent

ECOA Reg B §1002.7(d)(4) creditworthy-independently test to contest a lender's requirement that a non-applicant spouse execute a personal guarantee.

10× ROI$50/mo

Skilski Smb Financing Rbf Cap Multiple Variable Rate Structure

Revenue-Based Financing (RBF) deal economics at the drafting and diligence layer — cap multiple economics, payment percentage selection, remittance computation, prepayment…

10× ROI$50/mo

Skilski Smb Financing Sba Express Loan Eligibility

SBA Express loan eligibility — SOP 50 10 7.1 — $500K loan cap, 50% SBA guaranty, 36-hour decision commitment, delegated authority lenders, ineligible businesses, and structural…

10× ROI$50/mo

Skilski Smb Financing Sba Microloan Cdfi Technical Assistance

SBA Microloan Program eligibility ($50K cap), intermediary lender qualification, mandatory technical-assistance overlay, and CDFI fund eligibility as parallel or alternative…

10× ROI$50/mo

Skilski Smb Financing Seller Note Promissory Amortization Rollover

Structure seller-financed business acquisition deals — seller note mechanics (subordination, interest rate, amortization schedule, balloon, acceleration), promissory note…

10× ROI$50/mo

Skilski Smb Financing Subchapter V Sbra Debt Cap Eligibility

Operational SubChapter V eligibility analysis — current debt cap (post-June 21, 2024 expiration of $7.5M CARES extension, back to base $3,024,725 with inflation indexing),…

10× ROI$50/mo

Skilski Smb Financing Ucc1 Priority Pmsi First In Time

UCC Article 9 priority conflicts between competing secured creditors — first-to-file-or-perfect rule, purchase-money security interest (PMSI) super-priority exception, fixture…

10× ROI$50/mo

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