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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

Invoice financing documents beside calculator
Business Funding
70–90% Advances: How Invoice Financing Works for U.S. SMBs
How invoice financing works for U.S. SMBs: typical 70–90% advances, 10–30% reserves, docs checklist, cost example, and lender matches.
12 min read
September 14, 2026
Applicant reviewing a personal loan rate
Business Funding
Apply for a Personal Loan With a 580 Score: How to Prequalify Safely
See which scores lenders accept, when a 580 can qualify, and what documents matter. Learn to prequalify with soft pulls and the next steps to apply.
11 min read
September 14, 2026
Uncategorized
Line of Credit Requirements: What Lenders Actually Check
Learn what lenders check for line of credit approvals, including creditworthiness, income verification, and essential documentation.
18 min read
August 27, 2026
Uncategorized
Hard Pull vs Soft Pull: What Each Means for Your Credit
Learn the key differences between hard pulls and soft pulls on your credit report, and how they affect your credit score. Discover more!
12 min read
August 26, 2026
Uncategorized
Invoice Factoring Costs: How to Find the Real Price
Discover the true costs of invoice factoring and learn how to navigate fees, advance rates, and more for smarter financial decisions.
15 min read
August 25, 2026
Uncategorized
Line of Credit vs Credit Card: Which One Fits Your Needs?
Discover how a line of credit and a credit card differ. Find out which option suits your cash needs, spending habits, and repayment plans.
12 min read
August 24, 2026
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