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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

Growth & Scaling

5 Myths About Invoice Financing That Are Holding Business Owners Back

Don't Let Bad Info Cost You Good Capital Invoice financing can be a game-changer for small and mid-sized businesses. It unlocks the cash flow sitting in unpaid invoices, helps you take on bigger projects, and keeps your operations running without interruptions. Yet many business owners hesitate. Why? Because of invoice financing myths that get passed…

6 min read

September 16, 2025

Growth & Scaling

Invoice Financing vs. Business Line of Credit: What’s Right for You?

If you're growing and running into cash flow gaps, chances are you've looked at invoice financing or a business line of credit. Both can help you smooth operations, seize new opportunities, and avoid reactive borrowing, but they work very differently. The right choice depends on your cash flow cycle, customer base, and long-term financial strategy.…

6 min read

September 2, 2025

Personal Finance

The Hidden Costs of Delayed Payments and How to Avoid Them

You sent the invoice. Now you wait. In an ideal world, your customers would pay the moment they receive your invoice. In reality, businesses often face 30, 60, or even 90-day waiting periods, while payroll, rent, and growth opportunities continue to pile up. Late payments don't just slow your cash flow; they quietly chip away…

5 min read

August 19, 2025

Growth & Scaling

Industries That Benefit Most from Invoice Financing

Invoice financing is an universal solution for every business but for the right industries, it's a cash flow lifeline that can dramatically improve growth, stability, and operational control. If your business invoices other companies and waits 30, 60, or even 90 days to get paid, you're already familiar with the pressure it creates. Expenses like…

6 min read

August 5, 2025

Growth & Scaling

5 Signs Your Business Might Be Ready for Invoice Financing

If your business is stuck waiting on payments while trying to cover payroll, take on new projects, or stock up on inventory, invoice financing could be the solution you didn't know you needed. In this post, we'll cover five real-world signs that your business might be ready for invoice financing and how it can help…

4 min read

July 22, 2025

Business Funding

How to Secure a Business Loan Without Collateral

Starting or expanding a business often requires funding, but what if you don't have valuable assets to put up as security? Fortunately, collateral-free business loans are a viable solution for entrepreneurs and small business owners. In this blog, we'll walk you through practical ways to secure a business loan without collateral and increase your chances…

7 min read

July 10, 2025

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