Disclosure
How we make money
Every business-finance site you've read was paid by someone. Most of them won't tell you who. Here's our full list, updated whenever it changes.
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Referral partners right now
None. As of today there are no live lender, broker, or CPA referral partners on this site, so nothing tied to the financing or tax products we cover earns us anything. When that changes, the partner gets named in the table on this page and labelled on every page it appears, before the first link goes live. The one thing that does pay us today is books, covered next.
Amazon book links
A few pages link to books we actually work from, through the Amazon Associates program with the tag treasuryclear-20. If you buy through one of those links, Amazon pays us a small commission, usually a few percent, at no extra cost to you. As an Amazon Associate we earn from qualifying purchases.
Two rules keep this clean. Amazon links only ever point at books, never at the financing or tax products this site covers, because a commissioned link to a lender is the exact conflict everything here is built to avoid. And a book earns its place on the list by being worth reading, not by paying the most: the commission is the same slice whichever title you buy.
What the money can't buy
A referral fee doesn't buy coverage, placement, or a recommendation. We decide what a structure costs by reading the primary sources, and then we decide whether to point you at anyone at all. Plenty of pages here end with "don't borrow this money," which is not a sentence that pays.
The test we apply: if a partner asked us to soften a page and we couldn't afford to say no, the relationship is already wrong. Any partner who asks gets dropped, and we'll say so here.
What we refuse to take money for
Merchant cash advance is the richest referral rail in this niche. A typical MCA at a 1.4 factor rate repaid over six months works out past a 100% effective APR, and the broker who places it can earn 8 to 15 points. We take none of it, and the page we're writing on the subject tells you to walk away. Same answer for MCA consolidation, which sells a second advance to pay off the first, and for anything requiring a confession of judgment.
This isn't a promise you have to trust. It's enforced in the build: the code that constructs referral links throws an error on those products, so a future editor can't quietly wire one up.
What we are not
TreasuryClear is not a lender, a broker, an ISO, a CPA firm, or a registered investment adviser. We don't originate loans, place deals, prepare returns, or take a position in anything we write about. Nothing here is financial, tax, or legal advice. See our editorial standards for how the numbers get checked, and our terms for the legal version.
Advertising
If display advertising ever runs here, it will be labelled and it will never be sold to a company covered on the page it appears on. No advertiser gets a say in editorial. Today there are no ads.
The formal bit
This page exists under the U.S. Federal Trade Commission's guidance on endorsements and testimonials, 16 CFR Part 255, which requires clear and conspicuous disclosure of a material connection between an endorser and a seller. We read "clear and conspicuous" as meaning the disclosure sits before the link, in the same type size as the copy around it, and names the partner. Questions go to hello@treasuryclear.com.