Alina Selyukh
speaker
82 appearances
1 recordings
1 series
first heard Jul 2026
last heard 25 Jul
Alina Selyukh’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.
Appearances
Consider This from NPR · The unexpected cost of tariffs for some small business owners · 25 Jul 2026
podcast
It's a really chaotic, really large industry.
Typically, the main thing is that it's really fast.
A traditional loan can take weeks, months.
And if you need money now, a merchant cash advance can deliver that.
Many small businesses do have a line of credit with a bank.
Many really small businesses run out of personal credit cards.
Like it's just me and my credit card buying my supplies and selling stuff on Etsy or whatever.
But for a lot of people, traditional banks and traditional lenders are simply not an option.
I've talked to, at this point, close to a dozen people who ended up taking merchant cash advances who did try to get a loan from a bank and got turned down.
They went to a credit union, got turned down.
A lot of it is first-time business owners, really young businesses that just don't have kind of a history.
And a lot of immigrant-started businesses end up in merchant cash advances.
And the wild thing about this is because merchant cash advances are not loans –
Lending laws mostly don't apply to them.
So they don't have to be licensed lenders.
The money that they give you comes really fast, but they take payments daily or weekly straight from your bank account.
And the fees they can charge legally don't have a cap.
And so to go back to Joshua, his business is selling hair care accessories.
His kind of claim to fame actually is the Cut Buddy, which is this kind of template that you can hold against your head and give yourself really sharp edges as you're cutting your hair.
He ended up taking, I actually have the numbers here.
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