When I was eight years old, I threw a bag of pastries out of the kitchen window and into a bush. To be specific, this was a paper bag — still warm — filled with 5 freshly-baked croissants, one for each of my family members. Of the three children in…

Factoring companies will often claim that they’re your partner. Yes, you’re effectively paying them interest to ease your capital constraints, but as they stress, “No hidden fees. No tricks. We’re less a bank, and really more of a friend.” It’s all too easy to fall prey to this sales pitch…