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chris scarfo

Co-Founder, Lending Gurus

Chris Scarfo is the co-founder of Lending Gurus, a financial guidance marketplace that connects consumers and small businesses with vetted lending partners through a fast, conversation-based matching process.

Before building Lending Gurus, Chris spent years in commercial banking as a Senior Business Banker and Vice President, working directly with business owners on lending, treasury services, and growth financing. He understands the lending process from both sides of the table what lenders actually look for, and what business owners rarely get told upfront.

That experience is what shaped Lending Gurus: a platform built to cut through the noise and get people to the right funding partner faster.

He writes about small business funding, working capital, credit strategy, and the practical side of borrowing — with no jargon and no sales pitch.

Contact: chris@lendinggurus.com

Company: lendinggurus.com
Location: Roseville, CA

chris scarfo`s ARTICLES

Borrower comparing loan offers and fees
Business Funding
Borrowers: How a 2% Upfront Fee Raises APR Above Your Interest Rate
Clear borrower-focused breakdown of APR versus interest rate, with a short worked example and a simple checklist to compare real loan offers.
10 min read
September 29, 2026
Homeowner reviewing mortgage payoff figures
Business Funding
Stop Overpaying: Calculate Early Payoff Penalty for Mortgages & Loans
Calculate any early payoff penalty on mortgages and loans with step by step checks, worked examples, and a short decision checklist.
9 min read
September 28, 2026
Small business shipment ready for fulfillment
Business Funding
Purchase Order Financing for U.S. Businesses: Clear Rules, SBA Options
Learn when purchase order financing suits U.S. businesses, compare SBA export and 7(a) options, and get lender matches from Lending Gurus.
11 min read
September 27, 2026
Hands comparing credit card refinancing costs
Business Funding
Credit Card Refinancing: When a 0% Intro APR Actually Saves You Money
Decision-first guide to credit card refinancing. Learn when a 0% intro APR or personal loan truly cuts your total cost, what fees to check, and how to...
10 min read
September 26, 2026
Business owner opening bank account
Business Funding
Open a U.S. Business Account in Under 20 Minutes, FDIC & CDD Steps
Open a U.S. business bank account fast. Exact documents to bring, FDIC titling and FinCEN beneficial-owner rules, plus lender-matching options after setup.
15 min read
September 25, 2026
Owner inspecting inventory used as collateral
Business Funding
No Hard Pull Matches for Small Business Secured Lines of Credit
When should a small business take a secured line of credit? Find collateral rules, SBA $50,000 guidance, an application checklist, costs, and no hard pull...
12 min read
September 24, 2026
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