Klarna Q2 2026 Earnings: $9M of Profit, a $69M Loan-Sale Gain and an $11.7B Deposit Base
Klarna earned $9M in Q2 2026 on $1.04B of revenue, but a $69M loan-sale gain did the work; $11.7B of deposits equal 120% of its $9.8B loan book.
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Be the Bank: A Beginner's Guide to Mortgage Note Investing
Mortgage note investing is buying a loan below its unpaid balance. Underwrite to foreclosure, cap ITV at 60–70%, and hire a licensed servicer.
Nubank Q2 2026 Earnings: The First $1B Quarter, 139M Customers and a 22.9% Net Interest Margin
Nubank earned $1.06B in Q2 2026, its first $1B quarter: 138.9M customers at a $1 monthly cost to serve, a 22.9% NIM and $6.59B of loss allowances.
Compilation, Review, or Audit: Which Financial Statement Service Does Your Bank Loan Actually Require?
Compilations format numbers with zero assurance, reviews add limited assurance, audits test them — match the service to your loan covenant before you pay.
One Lopsided Distribution Can Endanger Your S Election: The Single-Class-of-Stock Rule
An S-Corp loses its election if any share gets different distribution rights. Five IRS traps, plus the straight-debt safe harbor for shareholder loans.
How to Get Rid of PMI: Cancel at 80% LTV, Automatic Termination at 78%, and Why FHA Loans Play by Different Rules
Conventional PMI ends two ways: request cancellation in writing at 80% LTV, or wait for automatic termination at 78%. FHA MIP can run for the loan's life.
Prove You're Tax Compliant in Minutes: The IRS's New Digitally Authenticated Tax Compliance Report
The IRS Tax Compliance Report (Letter 6201/6574) proves you filed and paid on time with an embedded digital certificate — no income details shared.
The SBA's 2026 SBIC Overhaul: A New Funding Lane Beyond Banks and Venture Capital
The SBA's SBIC rule effective February 2, 2026 opens a $53B program to manufacturers and suppliers — debt from $250K to $10M at 9–16%, equity from $100K to $5M.
Loan or Capital Contribution? How to Document Shareholder Advances So the IRS Respects the Debt
Shareholder advances survive IRS scrutiny on behavior, not labels: a written note at or above the AFR, unsubordinated terms, and payments you actually make.
Lending Your Own Money for a Living: Licensing, Usury Caps, and Bookkeeping for Hard Money Lenders
US private lending: business-purpose loans escape licensing and usury caps only if documented so, points count as interest, and IRS Section 166 rules bad debt.
Home Equity Agreements: What Shared-Appreciation Cash Really Costs
Home equity agreements trade cash now for a share of your home's future value — no interest, but a balloon settlement and no IRS mortgage-interest deduction.
SBA International Trade Loans Now Carry a 90% Guarantee: What the 2026 Expansion Means for Your Business
The SBA's May 2026 expansion gives International Trade Loans a 90% guarantee and deems all manufacturing plus food supply chain NAICS codes import-injured.