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There are alternative financing sources for small businesses besides loans and lines of credit. Merchant cash advances (MCA) have been around for a long time, and businesses in the merchant cash advance industry were the pioneers in alternative financing. MCAs are not traditional business loans. In fact, they are quite different. A merchant cash advance is best for a small business that needs some extra money to make their business more competitive and functional. Not all small businesses can get bank loans to do all the things they want to do. A merchant cash advance company approves your business for a specific amount of funding and provides you with a lump sum of capital up front. You repay the money you received, with fees, using a percentage of your future sales. A merchant cash advance agreement is a contract in which a lender agrees to offer a cash advance that is to be repaid against future revenues of the business.  Advantages of MCA: A merchant cash advance (MCA) is a flexible way to borrow money for retail businesses or other companies with a reliable cash flow. If you own a small or medium-sized business and take care of payments, then an MCA offers several advantages. A merchant cash advance is available to businesses that have been processing credit and debit cards for four months or more. It provides a fast and short-term financing option, calculated by the average monthly card turnover. This type of financing is a perfect fit for pubs, restaurants, beauty salons, hotels, and shops, but many other businesses can benefit too. There are many advantages to securing a merchant cash advance—here are the top reasons to choose this alternative finance product. Disadvantages of MCA:
 Cash advance or loan which is right for my business? So now that you know the difference between a merchant cash advance and a loan, how do you decide which one is right for your business? The answer is that it all depends on you and your unique business needs. Here are a few things to consider to point you in the right direction. Credit: Your personal credit is a key component to helping you establish business credit. If your credit is less than stellar, a merchant cash advance may be the better option. Banks will look at your business’ overall profits and number of years in business as factors in determining whether you qualify for a loan. Companies that provide merchant cash advances are also interested in the amount of time you have been in business, but they are more interested in your credit card revenues. Fulfilling your agreement: To repay a traditional loan, you pay monthly instalments of a fixed amount due at the same time each month. Cash advances are different. The remittance is taken out at either daily or weekly intervals, and the amount will fluctuate based on your credit card revenue. If you are seeking a firm repayment schedule, a loan is the better choice. Capital utilization: Merchants like you will need capital for a variety of reasons. You need to buy new seasonal inventory and run a marketing campaign, which are ideal uses for cash advances because you anticipate making your money back relatively quickly. Are merchant cash advances an innovative idea? A merchant cash advance is best for a small business that needs some extra money to make their business more competitive and functional. Not all small businesses can get bank loans to do all the things they want to do. 
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 Concession Truck Loan Options ExplainedTo be successful in food business, you must have the correct menu, price, and overall food service experience. However, you may not require a physical location. Owners and operators of Food Stalls and Mobile Food Trucks provide a valuable service while also making a solid living. The mobile catering industry today employs over 25,000 individuals and has over 6300 registered businesses. Starting a business is simple due to the minimal start-up costs and lack of specialized knowledge necessary. Ice cream, roadside snacks, and sporting event pies and burgers will always be in high demand. Festivals have opened up new opportunities, such as mobile cocktail bars for private parties, juice bars, and specialty dishes, in addition to the classic favorites. With a food truck that sells specialty foods, you may test the market for the cuisine you wish to offer. Experiment with menus, learn what others want to eat, and even improve your cooking abilities. You may even use your mobility to find a pitch in a location where there is a ready market for your produce. Some sites are more suited for certain dining types than others, and a food truck allows you to determine where your most enthusiastic consumers are. Of course, running a mobile business comes with its own set of difficulties. It could be costly to find a pitch. To comply with hygiene rules, you'll need high-quality equipment, and your truck will require frequent maintenance. You may need to raise food truck finances, and finding lenders to give the funds you require may not always be straightforward due to the nature of your firm. Your catering business has a variety of financing food truck options. Obtaining the appropriate financing is critical. Purchasing and converting a vehicle, purchasing a going concern, requisitioning, and refurbishment all require various amounts of money. Understanding the various types of financing available is the first step toward obtaining the funds you require. They are as follows: Ready to start motile food serving service Funding for the purchase of a business Loans for small businesses Funding based on cash flow You may not require a new truck, you should be certain that whatever you purchase is capable of delivering dependable service. You might either purchase a truck that has already been transformed or arrange for the installation of appropriate equipment. Purchasing an existing catering business, may be less risky than starting from scratch. Turnover, costs, and profitability may all be predicted more accurately. A secured loan help you pay loan for food business. You may have a longer payback period and cheaper interest rates than with other forms of loans, making monthly repayments easier to fit into your budget. Although you will not be required to put up any assets as security against the loan, you will be required to offer a personal guarantee of financing for food truck. You can get a merchant cash advance, which is becoming increasingly important for all types of businesses.  Fast business loans for food trucks if you have bad credit is a common problem and we show you the solution. Food trucks are an exciting business but where will you get the money or food truck loan ?
Are you looking to start a food business and need fast business loans? Are you lost in terms of finding the best available food truck finance or food trailer finance? We have all sorted it out here for you. We have gathered all the options for your food trailer business and we will highlight the best three here in this article. As a new business owner, a food business is worth a try and for that purpose, a food trailer is one of the best options, to begin with as it offers guaranteed business. However, financing your food truck and finding the investment might be one heck of a task. We have options researched for you which are fast and simple providing fast business loans to the small-scale business owners in they market. Equipment Loans One of the priorities in a food trailer business is the equipment itself. To start a food trailer business, one needs a truck, oven, stove, and other related equipment. For that purpose, there is an option for equipment loans. You can take an equipment loan for the utensils you need and you can keep paying in installments and use the utensils at the same time. Although the title remains with the lender until the whole loan is paid, the buyer still can use the equipment in his/her business. This is the best way to secure all the utensils you need without paying the full price upfront. You can apply and get equipment loans from Wells Fargo (Gitlen, 2022). You can also get a loan from National Funding where you can get up to $5000 to $500,000 for used or new equipment. The loans are given for 2 to 7 years with a 1.09% factor rate (Marticio, 2021). The best part about national funding is that they do not require a down payment so it is a plus for all the borrowers who don’t have hard cash with them. They will respond within 72 hours and hopefully, they will respond with the money you need for your business. This is the best option for your food truck finance or food trailer finance. Microloans If you are an underserved business owner and have no or very less income, microloans are your best option to get a fast business loan and start with your food trailer business. Mostly, all the non-profit organizations and government organizations provide microloans which can be to $50,000 at 0-20% rates. The terms can be from 2 to 7 years (Marticio, 2021). The Small Business Administration (SBA) Loans also have an option of microloans. This loan scheme gives from $100 to $50,000 so if you are looking for a small loan to just kick-start your business, this is your best option (Gitlen, 2022). They will ensure guaranteed business loans. . Crowdfunding If you have applied for loans but failed to meet their requirements, you must lack the funds to start your business and arrange food truck finance. If you do not have the requirement but have time and skills, Crowdfunding might be a good option here as you do not have to repay any amount even if your business is boosting. This makes this option less-loan-like funding. However, raising funds here might not be as easy as you think. It will need outreaching and marketing skills to convince the public to give funds for your business which ultimately will require time, a lot of time. Be cautious while using these platforms as some have all-or-nothing funding models meaning that if you are unable to meet your goal amount, then you get no funds and everything will be returned. The platforms to avail these types of fast business loans are Kickstarter, GoFundMe, and Indiegogo which might charge fees of up to 5%. Other than that, this is also a good option and the best part is that you don’t have to pay back the funds. It will be all yours. There are more options out there for financing a food truck or a food trailer business but these three are in our opinion, the best options you can get for your concession trailer business. We hope this helps. We wish you good luck with your new business.  We all know that a profitable food business can be often found in the fast growing and often high profit food truck industry .
many people who can afford a new food truck will buy a used food truck often by making an offer for Pennies on the dollar via websites like nameyourpriceequipment.com which offers a format where you submit an offer that is reasonably ( half of asking price or more) then there commissioned brokers present the offer to the seller in hopes they accept your low bid . what do you do if you don’t have enough cash to pay for the food truck though? If you need money for the food truck you should try food truck funding , often online Funders like guaranteedbusinessfunding.org can offer good funding solutions for food truck funding , they offer food truck funding for bad credit food truck funding purchases as well as low rates for good credit food truck loans . So to recap if you want to enter the lucrative world of the food truck business, but you need to do it in the cheap, then try to buy a used food truck for Pennie’s on the dollar via nameyourpriceequipment.com and if that price that you bargain for is yo much for you to pay in cash then consider the food truck funding solution from guaranteedbusinessfunding.org Business Loan Requirements:
How to Qualify For A Business Loan 1. Business & Personal Credit Scores When you submit a business loan application, a lender will typically review both your personal and business credit scores to assess the risk you pose. While a bad personal credit score can hurt your chances of approval, a good personal credit score can improve your loan approval odds and help you secure a lower interest rate. 2. Annual Business Revenue & Profit Lenders often have minimum annual revenue requirements, and some have minimum monthly revenue requirements, too. To confirm your business’ earnings, a lender will request your business’ bank statements and income tax returns. You can upload your bank statements manually or allow a lender to connect to your bank and analyze your statements, if available. 3. Time in Business Businesses that have been in operation for longer have a greater chance of loan approval. While minimum time requirements vary, it’s common for traditional lenders to require you to have at least two years in business. Online lenders often require applicants to be in business for at least six months to a year. 4. Debt-to-income Ratio Some lenders will review your debt-to-income (DTI) ratio to determine whether you can afford to take on additional debt. Your DTI ratio weighs your monthly debt against your gross income. You can calculate the DTI ratio by dividing your monthly debt by your gross income.The higher your DTI ratio, the greater your risk is as a potential borrower. 5. Debt-service Coverage Ratio Another ratio some lenders consider is the debt-service coverage ratio (DSCR), which measures your business’ annual net operating income in relation to its total annual debt. Remember, annual net operating income is another way to say earnings before interest, taxes, deductions and amortization (EBITDA). 6. Business Plan Some lenders may require you to share your business plan, especially if you’re a startup, which may include the following: Financial projections Purpose of using the funds Industry outlook Competitive analysis Your plan should provide a lender with a detailed outline of how you intend to use the loan funds and include a five-year forecast of cash flow, income and expenses. Documents Commonly Required for Business Loans Before you apply for a small business loan, gather the required documents. A lender will likely ask for some or all of these items: Bank statements Personal and business tax returns Business licenses and permits Employee Identification Number (EIN) Proof of collateral Balance sheet Copy of your commercial lease Disclosure of other debt Accounts payable and accounts receivable aging Ownership and affiliations Legal contracts and agreements Your driver’s license Business insurance plans Payroll records Incorporation documents Business plan  How to sell your website Selling your website or online business might seem like a complicated process. When you add in steps to try to maximize the value pre-sale, things get even more complex. Below, we outline a 7-step process that will help you navigate this challenge. 1. Diversify Your Traffic Sources If your business is currently relying primarily on paid traffic and ads, you should diversify your traffic sources before considering a sale. In particular, you want to focus on increasing your organic traffic. Organic sources of traffic have higher profit margins, but that’s not all. Experienced buyers and brokers put a lot of value on long-term stability and ease of management. 2. Create Processes and Use Third-party Services Some types of websites and ecommerce stores require more involvement than others. If you are running an ecommerce store and are currently fulfilling your orders yourself, you should change that before selling the business. You must minimize your involvement in the business as much as possible before selling it. Potential buyers who have the capital to buy a business for a flat fee of tens of thousands of dollars aren’t looking for another full-time job. They are looking for ready-made investment opportunities. That typically means a business that’s automated and requires very little hands-on work. 3. Get Your Financials and Traffic Reports in Order Nobody is going to invest in a business that doesn’t have evidence of its finances and assets. If one of your online business assets is organic traffic or a social media following, take steps to document this properly. Keep in mind that marketplaces and brokers require months of verified financial and traffic reports. So make sure that you have installed Google Analytics or an alternative on your website. Sales reports can typically just be exported from any ecommerce tool and are less of an issue. 4. Choose the Right Marketplace or Broker Once you’ve dotted your i’s and crossed your t’s, it’s time to move on to the selling part. The first part is choosing the right place to sell it. 5. Know Your Potential Buyer and Customize Your Sales Page When you’re creating a page to sell your website, you need to know who your prospective buyers are and what they are looking for in a website. Watch this interview Empire Flippers did with a buyer and listen to his priorities and his fears. 6. Prepare Your Team or Virtual Assistants for the Sale Once you’ve decided to sell the business, you need to prepare everyone involved for the potential transfer of ownership. Ensure all the stakeholders understand the situation and that the core members are ready to help the buyer transition into the role of owner/operator. 7. Know What Your Site is Worth To avoid losing big, you need to know what your website is worth. Before you pull the trigger and sell your website, you should have a rough idea of what it could bring in.  HOW TO REPLACE HIGH INTEREST BUSINESS DEBT WITH CROWDFUNDING
Every successful goal starts with a plan. Thankfully, there are multiple resources available that show you how to get out of debt and create a budget for the first time. If you’ve ever wondered exactly how to get rid of debt but didn’t know where to get a fresh start loan alternative , we have four initial steps to help you get started. 1. Determine how much debt you have The best way to get out of debt is to compile all of your bills, look at all of your accounts, jot down interest rates, and list everything in a spreadsheet. Knowing the balance amount of how much debt you owe is half the battle. 2. Figure out what you should pay first It makes sense to start paying the debt with the highest interest rate first. But if this will take you years to do, paying off a smaller debt much faster might give you the motivation to keep going. Try exploring different tools such as a credit card calculator that will tell you how long it will take to pay off your credit cards, like this one from Time. Reducing the sheer number of creditors you owe will make finding help getting out of debt a significantly easier task. 3. Layout your budget and track spending A good budget is everything when learning how to get out of debt and coming up with extra money. Actually sticking to that budget is even more critical. These finance tips can help: Pad your budget to account for extra expenses and things that inevitably crop up during the month. Use a budget website or apps like Mint or YNAB to keep you on track. Try the debt snowball method. Once you pay off one debt, roll that money over into the next debt you want to pay off. 4. Cut out the extras It’s easy to forget all the online services you’ve subscribed to, so do a deep dive and unsubscribe from anything that isn’t a necessity. Do you really need to buy Netflix, HBO, or that monthly organic food subscription box? If you cut out these services, you’ll likely find that you’re saving more cash than you realized. Without these extras eating into your budget, you’ll be able to get out of debt fast. Crowdfunding with mainvest for startups
It's a bit like crowdfunding platforms Kickstarter and Indiegogo, but instead of contributing money in exchange for an early version of a product, MainVest investors are actually lending money. They do so through a special kind of debt instrument that pays them back via a percentage of the business's revenue. MainVest co-founder and CEO Nick Mathews hopes the idea will solve two problems. On one hand, small businesses have a harder time accessing capital than fast-growing tech startups, especially since banks have been more cautious about giving out commercial lines of credit in the wake of the recession. On the other hand, many people are locked out of investing in the most promising companies due to lack of knowledge or because they're not accredited investors. MainVest aims to bring the two sides together, providing investors with a pool of opportunities and businesses with a suite of tools to help them corral a herd of investors and handle all the necessary regulatory paperwork. This type of online fundraising was made possible by the federal JOBS Act in 2012. The U.S. Securities and Exchange Commission put final regulations into place in 2016. “It allows people to actually vote with their wallets and really have a say in shaping their communities,” Mathews said. “Businesses are going to have local allies and local evangelists, and they’ll have a competitive advantage in the market.” Mathews, who incorporated MainVest this spring along with co-founder Ben Blieden, was previously an early Uber employee and helped launch the ride-hailing service in the Northeast. “That first three years at Uber, our mission and our belief was really around economic empowerment” for drivers, Mathews said. In his view, that mission faded as the company grew, but he began to look for new ways to support independent business owners. Mathews said MainVest has been working with economic development agencies in multiple cities to identify businesses that might be interested in the site, which takes a 6 percent cut of successful fundraising campaigns. When MainVest launches this fall, it will have between 10 and 30 profiles for businesses in the Greater Boston area, Mathews said. One of them will likely be Wears Woody, a Cape Cod-born beachwear retailer that wants to raise money for its first brick-and-mortar location. Wears Woody founder Mike Norwood said he's always taken an unconventional approach to growing the company, which started off selling flip-flops and sunglasses to beachgoers out of the back of a station wagon named Woody. He sees MainVest as a way to raise outside funding for the first time while still remaining true to Wears Woody's loyal customer base. “We want to make stuff differently, we want to market it differently, and sell it differently," Norwood said. " I see MainVest as a vehicle for us to be able to legitimately and with structure fundraise and galvanize a community for us that we know exists." The retailer also donates 25 percent of its profits to diabetes-related nonprofits, and Norwood hopes people from that community will contribute to the funding as well. Wears Woody will likely try to raise enough money to build out a physical location somewhere in Greater Boston that combines a retail shop with a lounge-style space for customers and an inventory warehouse  How to Get a Business Loan
1. Figure out what kind of funding you'll need to maintain your business afloat. Lenders will question as to why you need a small-business loan. Your response will most likely fall into one of three categories, which can aid you in determining which type of business loan is right for you: There are two types of loans available: SBA loans and conventional term loans. These usually have large borrowing restrictions — SBA loans, for example, have a maximum lending amount of $5.5 million. Many lenders also offer solutions customized to the needs of a growing company, such as equipment or vehicle financing. Business credit cards and personal loans are two financing possibilities for entrepreneurs. Businesses in their first year of existence are sometimes unable to secure business loans because lenders require immediate payment. A company credit line. If you want to keep track of your day-to-day costs, this could be a good option. This type of flexible financing allows you to access funds as needed to cover obligations like payroll or unforeseen repairs, providing a handy safety net. 2. Determine whether you are eligible for a company loan. To see if you meet the conditions for a small-business loan, answer the following questions: How's your credit rating? Each of the three major credit agencies, Equifax, Experian, and TransUnion, will provide you with your credit report for free. Several credit card issuers and personal financial websites, such NerdWallet, will also provide you your credit score for free. According to Suzanne Darden, a finance specialist at the Alabama Small Business Development Center, banks prefer to offer low-rate business loans to clients with credit scores of at least 680. Consider small-business loans for borrowers with terrible credit or loans from a nonprofit microlender if your credit score falls below that mark. Have you been in business for a long time? Most online small-enterprise loans require at least one year of business experience, whereas most bank loans require at least two years. Do you have a sufficient income? Many lenders need a certain amount of annual income, which might range from $50,000 to $250,000. Consider short-term business loans, SBA microloans, or even equipment finance if your revenue isn't adequate. 3. Figure out how much you can pay each month. Examine your company's financials, particularly cash flow, and determine how much you can afford to put into loan repayments each month. Make sure to account for the fact that certain online lenders expect daily repayments. According to Darden, your entire income should be at least 1.25 times your total costs, including your new repayment amount, to easily repay your loan each month. If your monthly revenue is $10,000 and you pay $7,000 in rent, payroll, and other expenses, you should be able to afford a $1,000 monthly loan payment. Your income ($10,000) equals 1.25 times your costs ($8,000). 4. Determine whether and how you'll use collateral to secure the loan. A secured loan necessitates the use of business collateral, such as property or equipment, which the lender can seize if you default on the loan. Putting up collateral is hazardous, but it can increase the amount you can borrow from lenders and help you receive a better interest rate. Even for unsecured loans, lenders may require a personal guarantee. This implies you'll personally repay the loan if your company can't, and it may let a lender to foreclose on your home or car if you don't pay. 5. Shop around for small-business lenders. Online lenders, banks, and nonprofit microlenders are the three main providers of small-business loans. Each usually has several goods, but one may be superior to the others under particular situations. When to use internet lenders for a business loan: You're short on cash. In business, you're short on time. You require financing right away. Small-business loans and lines of credit ranging from $1,000 to $5 million are available from online lenders. Depending on the lender, the kind and size of the loan, the length of the repayment term, the borrower's credit history, and if collateral is necessary, the average annual percentage rate on these loans ranges from 6% to 99 percent. These lenders rarely provide lower APRs than traditional banks, but approval rates are greater and funding is faster — as fast as 12 hours — than with banks. When to seek a bank loan for a business: You've had your company for at least two years. You have excellent credit. You don't require immediate cash. Term loans, lines of credit, and business mortgages are all traditional bank choices for purchasing or refinancing properties. The US Small Business Administration, under its 7(a) lending program, provides general small-business loans, short-term microloans, and disaster loans to banks. According to the Congressional Research Service, the SBA grants loans up to $5.5 million, with 7(a) loans average $704,581 in fiscal year 2021. SBA microloans cost an average of $13,000. The SBA also offers a 504 loan program, which aids community economic development by providing long-term, fixed-rate financing for businesses' fixed asset purchases, such as land, buildings, or equipment. Due to considerations such as reduced sales volume and cash reserves, getting a small-business loan from a bank might be difficult. When you add in low personal credit or a lack of collateral, it's no surprise that many small-business entrepreneurs come up empty-handed. Although it takes longer to get funded than other options, banks normally provide the lowest APR. When should you turn to microlenders for a business loan? If you have terrible credit or no credit history. You're a brand-new company. You won't be able to obtain a typical loan. Microlenders are non-profit organizations that specialize in making small loans of less than $50,000. The annual percentage rate (APR) on these loans is usually greater than on bank loans. The application process can be lengthy if it requires a detailed business plan, financial statements, and a description of how the loan will be used. Furthermore, the loans are "micro" by definition. These loans, on the other hand, might be a good fit for smaller businesses or startups that can't get typical bank loans owing to a lack of collateral, a lack of operating history, or a lack of personal credit. Microlenders include Accion Opportunity Fund, Kiva, and Accompany Capital, to name a few. Calculate how much a business loan will cost. Calculate your projected payments to check if you're eligible for a business loan. 6. Gather all of your documentation Make sure you have all of the necessary documents before applying. The process of obtaining a small-business loan will be streamlined if these files can be located and made easily accessible now. You'll need to provide a mix of the following, depending on the lender: Tax returns for both businesses and individuals. Bank statements for both your business and personal accounts. Financial statements for a business. Documents pertaining to business law (e.g., articles of incorporation, commercial lease, franchise agreement). This is a business plan. 7. Make an application for a company financing. You've done it! It's time to apply now that you've decided on the type of loan and lender that's best for you. Begin by comparing two or three comparable loan possibilities based on loan conditions and annual percentage rate, or APR. APR is the easiest way to comprehend the overall cost of a company loan for the year because it includes all loan fees in addition to the interest rate. Choose the loan with the lowest APR among those you qualify for (as long as you can afford the loan's regular payments) and apply with the documentation you've acquired. It's worth noting that credit bureaus make no distinction between business and personal queries. When applying for a small business loan, your credit score may be affected if you utilize your personal credit history, which is why it's crucial to go with your best option.  Lets say you own a business, any business it could be a bicylce shop Financing for instance , or even financing a church, it really doesnt matter, your Credit scores in both cases (and all cases) are numbers that lenders use to evaluate the credit risk of borrowers. They range from 300 to 850.
This score is one of the most important factors that lenders consider when you apply for a loan. A high credit score indicates to lenders that you are a low-risk borrower, which means you are more likely to repay your loan on time. A low credit score, on the other hand, indicates that you are a high-risk borrower, which means you are more likely to default on your loan. There is no set credit score that you need to get a personal loan. However, your chances of getting approved for a loan with a favorable interest rate are much higher if you have a high credit score. If you have bad credit, you may still be able to get a personal loan from some lenders. However, you will likely pay a higher interest rate than someone with good credit. In some cases, people didn’t even get this bank loan on higher interest rate and thus became unable to do what they wanted to, and in such cases, merchant cash advances (MCA) take place. This cash advance is best for small businesses that need a quick investment to boost their business. MCAs are easier to obtain than loans, even for businesses with low credit scores. Not just this, but businesses that generate a lot of revenue may be able to qualify for larger MCAs. Also, businesses with strong cash flow may be able to repay an MCA more easily than those with weaker cash flow. However, there are some factors that one must look at before applying for a merchant cash advance. • The business's credit score: Businesses with low credit scores may have difficulty qualifying for loans. Merchant cash advances may be easier to obtain. • The business's revenue: Businesses that generate a lot of revenue may be able to qualify for larger loans. • The business's cash flow: Businesses with strong cash flows may be able to repay a loan more easily than those with weaker cash flows. • The business's need for funds: Businesses that need funds quickly may find that merchant cash advances are a better option than loans. Conclusion: To scale up the business, a quick investment is the need of every small business. for this reason, people often opt bank loans on their credit score. But due to low credit scores, they get rejected or have to pay a higher interest rate. This is the condition the merchant cash advance can help a business a lot. Through MCA one can get quick cash on favorable interest, many people call this a " bad credit business loan " although its technically not a loan, but the sale of future business receipts (anticipated future sales). |
Cox Business News staff WriterJournalists from around the world writing to give you answers, with Assitant Editor Dr Muhammad Hassan Fayyaz for articles in June and July 2021 
The Editor In Chief of Cox Business News
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