Disclosures

Every way this site makes money.

Required by the FTC, and honestly the part you should read first.

Material connections

ProductOperated byOur relationshipHow we are paidScore
Aurea Growth Partners — Merchant Cash AdvanceAurea Growth Partners Consulting Services LLCWe own thisRevenue from the sale68.0/100
BizRep A.I. — AI Voice AgentBusiness Reputation Pro LLCWe own thisRevenue from the sale77.5/100
Tomorrow Doctor — Zero-Cost Benefit ProgramTomorrow Doctor Alliance LLCPays us commissionAffiliate commission69.0/100

This table is generated from the same data that generates the reviews, so it cannot fall out of sync with them. Every product we add appears here automatically.

In plain terms: we own two of the products currently reviewed on this site, and one pays us a commission when a reader enrolls. On those, we are not a neutral party and you should treat the recommendation as advertising. Products we cover that pay us nothing carry a green “No relationship” badge. Our scoring rubric is published at /methodology so a score can be checked against its criteria regardless of who is paying whom.

Not professional advice

Nothing published here is legal, tax, accounting, insurance, investment or financial advice, and no reader relationship is created by using this site. Figures in our calculators and articles are illustrative estimates assembled from published industry averages and the providers' own stated numbers. They are directional and your results will differ. Consult a qualified professional before making any borrowing, benefits or financial decision.

Merchant cash advances

Aurea Growth Partners Consulting Services LLC is a service that connects businesses to independent MCA providers. We are not a lender, broker or financial institution and we do not originate, underwrite or provide advances. An MCA is not a loan; it is a purchase of future business receivables, repaid as a percentage of daily or weekly sales plus factor rates and fees. In California it may be classified as a loan.

Approval, amount, term and rate depend entirely on provider criteria, business performance and credit and sales history, and are never guaranteed. Personal guarantees and collateral are typically not required, but default may lead to UCC liens or collections. MCAs carry high effective costs and can create debt cycles if sales decline. They are not suitable for every business.

Leads submitted through our funding pages may be shared with third-party providers for evaluation. Residents of regulated states — including but not limited to CA, CT, FL, GA, IL, KS, LA, MO, NY, TX, UT and VA — are entitled to receive disclosures from the provider at the time of offer, which may include the financed amount, disbursement net of fees, total repayment, finance charge, estimated APR where required, payment amount and schedule, prepayment policy, and broker compensation.

Testimonials and results

Testimonials appearing on linked properties may have names changed or be paraphrased to protect client privacy. Individual results vary. Approval statistics reflect industry factors and market conditions and are not a prediction of your outcome. We make no representation about outcomes.

Email and SMS

Commercial email from this domain and its subdomains complies with CAN-SPAM: accurate headers and subject lines, clear identification as advertising, a valid physical postal address, and unsubscribe requests honored promptly. SMS consent, where offered, is optional, is never a condition of purchase, and STOP opts you out immediately. Message and data rates may apply.

Advertising platforms

Promotions run from this property are intended to comply with Google and Meta financial services policies. No guarantees of results. Terms are subject to change without notice.

Contact

Questions, corrections or opt-out requests: [email protected].

Last updated 2026.

Independent reviews, calculators and guides for the things small businesses actually pay for. We publish our scoring rubric, we say who pays us on every page, and we tell you when the answer is to buy nothing.

Categories

How we make money, and who we are. MySmallBusiness.us is operated by Aurea Growth Partners Consulting Services LLC. We earn money three ways, and we label which one applies on every single review. (1) We own it: the business funding service is operated by Aurea Growth Partners Consulting Services LLC itself, and BizRep A.I. is operated by Business Reputation Pro LLC, which shares common ownership — when we review those, we are reviewing ourselves and we profit if you buy. (2) Commission: some links are affiliate links and we may be paid at no additional cost to you. (3) Nothing: many products we cover pay us nothing at all. Compensation never changes a score, because the rubric is published at /methodology and every score breaks down into it — but you should treat anything labelled “we own this” as advertising and verify it independently.

Not advice. Nothing on this site is legal, tax, investment, insurance or financial advice. Figures in our calculators and articles are illustrative estimates built from published industry averages and the providers' own stated numbers; your results will differ. Consult a qualified professional before making a financial, benefits, or borrowing decision.

Funding. Aurea Growth Partners Consulting Services LLC is a service that connects businesses to independent merchant cash advance providers. We are not a lender, broker, or financial institution and do not originate, underwrite, or provide MCAs. MCAs are not loans; they are purchases of future receivables repaid as a percentage of sales, plus factor rates and fees. Approval, amounts, terms and rates depend on provider criteria and are not guaranteed. Leads submitted may be shared with third-party providers for evaluation. Residents of regulated states are entitled to disclosures from providers at the time of offer.

Email. Commercial email from this domain complies with CAN-SPAM: accurate headers and subject lines, clear identification as advertising, a valid postal address, and one-click unsubscribe honored promptly. Reply STOP to any SMS to opt out.

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