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Shela Heramis

August 28, 2026

August 26, 2026

9 Minutes Read

$964K clawback hits 3 MCA funders

Alleged rates ran 62% to 149% on money already paid.

Alternative Financing

Shela Heramis

August 27, 2026

6 Minutes Read

How to Build a UCC Coverage Roadmap and Safe Fallbacks

A coverage-first UCC workflow that interprets results only after jurisdiction, debtor identity, source support, filing types, and fallbacks are proven.

Alternative Financing

Shela Heramis

August 27, 2026

August 31, 2026

7 Minutes Read

A Six-Layer Risk Assessment Framework for Alternative Lenders

A six-layer architecture that separates source evidence, normalized signals, lender policy, credit models, exceptions, and the authorized outcome.

Alternative Financing

Shela Heramis

August 27, 2026

September 18, 2026

5 Minutes Read

How to Design a Dependency-Aware Pre-Screening Waterfall

A dependency-aware verification waterfall that resolves the legal subject, branches by coverage, parallelizes independent checks, and fails closed on missing evidence.

Alternative Financing

Shela Heramis

August 27, 2026

September 17, 2026

5 Minutes Read

OFAC Match Scores Need Change Control, Not Slider Tuning

A change-control process for OFAC similarity thresholds using labeled cases, shadow runs, protected candidates, approval, rollback, and post-release monitoring.

Alternative Financing

Shela Heramis

August 27, 2026

September 14, 2026

8 Minutes Read

EIN Verification for Business-Purpose Real Estate Lending

A business-purpose real estate identity map for separating the borrower, title holder, operator, guarantor, account holder, and verified EIN pair.

Alternative Financing

Shela Heramis

August 27, 2026

September 11, 2026

9 Minutes Read

EIN Verification, Contractor Licenses, and SOS Records Before Funding

A pre-funding control for joining the contractor's state entity, federal tax pair, license record, and receiving account before a credit decision.

Alternative Financing

Shela Heramis

August 27, 2026

September 10, 2026

8 Minutes Read

EIN Verification for B2B Buy Now, Pay Later Workflows

A B2B BNPL workflow for binding checkout accounts and later orders to one verified legal customer before a limit or shipment is released.

Alternative Financing

Shela Heramis

August 27, 2026

September 8, 2026

6 Minutes Read

Automating Court Record Checks in MCA Underwriting

An MCA court-evidence pipeline that proves jurisdictional coverage, resolves party identity, classifies docket posture, and routes material cases to review.

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