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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

Hands reviewing student loan disclosure documents
Business Funding
1.057% Federal Student Loan Origination Fee: Where It Shows on Docs
Find where origination fees appear on your Loan Estimate and Closing Disclosure, see the 1.057% federal student loan charge, and the exact questions to...
9 min read
September 18, 2026
Small business payment collection at checkout
Business Funding
Small Business MCA Decision: Convert Factor Rates to Real Costs
A decision checklist for small businesses: convert merchant cash advance factor rates to real costs, spot contract red flags, and decide fast.
12 min read
September 17, 2026
Trucker handing over delivery documentation
Business Funding
Non Recourse Factoring Often Isn’t: 4 Questions for Truckers & SMBs
For truckers and small businesses: learn when non-recourse factoring truly protects you, which contractual carve-outs matter, and four questions to decide.
12 min read
September 16, 2026
Borrower reviewing instant loan decision
Business Funding
7 Steps to an Instant Personal Loan Decision and Same Day Funds
Seven practical steps to secure an instant personal loan decision and the fastest route to same day or next day funding. Prequalify with a soft pull and...
13 min read
September 15, 2026
Owner comparing lender options on tablet
Business Funding
Minutes to 90 Days: Approval Times by Lender Type and Matching Limits
Typical approval timelines: online personal loans in minutes, bank loans in 1–7 business days, and mortgages or SBA loans in 30–90 days. Practical steps...
10 min read
September 14, 2026
Founder reviewing startup cash flow with analyst
Business Funding
3 Things Lenders Check for Startup Lines of Credit When Revenue Is Low
Founder first checklist to secure a startup line of credit with low or no revenue. Learn the three factors lenders check and get matched to vetted partners.
16 min read
September 14, 2026
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