Michelle Lagos-DAC Funding

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Michelle Lagos-DAC Funding Helping business owners access working capital through one simple application. Serving businesses nationwide.

Fast funding options, equipment financing, cash flow solutions, and referral opportunities.

Preparation created possibility. ✨Imagine a business owner who wants to expand but isn’t sure the timing is right. Revie...
09/30/2026

Preparation created possibility. ✨

Imagine a business owner who wants to expand but isn’t sure the timing is right. Reviewing revenue, expenses, and the expected return helps them decide what the business can responsibly afford.

The lesson: confidence comes from understanding the numbers, not guessing.

This is an educational example, not an actual client result.

📈 Interest-Rate Update for Business OwnersOn September 16, the Federal Reserve raised its target interest-rate range by ...
09/28/2026

📈 Interest-Rate Update for Business Owners

On September 16, the Federal Reserve raised its target interest-rate range by 0.25 percentage point. The bank prime rate then increased from 6.75% to 7.00%.

Why does this matter?

Prime is commonly used as a starting point when pricing short-term business loans and lines of credit. As a result, some new financing may cost more, while existing variable-rate accounts could adjust according to their contract terms.

Before accepting a funding offer, ask:

✅ Is the rate fixed or variable?
✅ Is it tied to the prime rate?
✅ When can the payment change?
✅ What are the fees and total repayment?
✅ Can the business manage the payment during a slower month?

This update is not a reason to rush into borrowing. It is a reminder to review the complete numbers and choose financing that fits the business’s needs and repayment capacity.

Know your numbers before you need funding. 📊Could you say what your business brings in each month, what goes out, and ho...
09/28/2026

Know your numbers before you need funding. 📊

Could you say what your business brings in each month, what goes out, and how much is already committed to debt payments? Having those answers ready makes it easier to plan for growth or handle an unexpected expense.

This week, review your last three months of business bank statements. Look for patterns in deposits, recurring costs, and seasonal changes. What do the numbers tell you?

Faithful in the small things.We often pray for big opportunities, greater growth, and open doors—but God may first ask u...
09/27/2026

Faithful in the small things.

We often pray for big opportunities, greater growth, and open doors—but God may first ask us to be faithful with what is already in our hands.

Return the call. Keep accurate records. Follow through on your promises. Serve one customer well. Make the difficult decision with integrity. Keep showing up, even when progress feels slow and no one seems to notice.

“Whoever can be trusted with very little can also be trusted with much.” — Luke 16:10

The quiet work still matters. Every responsible choice, honest conversation, and small act of obedience can become part of the foundation God is building beneath your business.

Do not despise the season of small beginnings. Stay faithful, remain patient, and trust God with the results.

What is one small step you can faithfully take in your business this week?

Built by skill. Sustained by courage.Today’s Small Business Spotlight honors contractors and skilled-trade professionals...
09/26/2026

Built by skill. Sustained by courage.

Today’s Small Business Spotlight honors contractors and skilled-trade professionals—the people who build, repair, install, maintain, and keep our communities moving.

Behind every completed project are tools, vehicles, materials, permits, payroll, scheduling, changing costs, long hours, and countless decisions customers may never see.

These business owners do more than perform a service. They create jobs, solve problems, support families, and bring valuable skills into homes and businesses every day.

To every contractor, electrician, plumber, HVAC technician, roofer, landscaper, mechanic, and skilled-trade professional: your work matters, and your dedication deserves recognition.

Tag a contractor or skilled-trade business below and help us celebrate the people who keep our communities running!

✨ Happy Dolly Parton Day! ✨Today we celebrate the one and only Dolly Parton—a woman full of faith, talent, humor, genero...
09/26/2026

✨ Happy Dolly Parton Day! ✨

Today we celebrate the one and only Dolly Parton—a woman full of faith, talent, humor, generosity, and plenty of sparkle! 💖

Dolly reminds us to dream big, stay humble, help others, and never be afraid to shine.

As she famously said, “Find out who you are and do it on purpose.” 🌸

Here’s to strong women, big dreams, kind hearts, and a little extra rhinestone! 💎

A business can be profitable on paper and still struggle to pay this week’s expenses.Why? Because profit and cash flow a...
09/25/2026

A business can be profitable on paper and still struggle to pay this week’s expenses.

Why? Because profit and cash flow are not the same thing.

Profit is what remains after your business income and expenses are calculated over a specific period. Cash flow tracks when money actually enters and leaves your bank account.

For example, you may complete a profitable job today, but if the customer does not pay for 30 or 60 days, you could still face immediate expenses for materials, payroll, rent, or another project.

That timing gap is where cash-flow pressure begins.

Strong business owners monitor both profit and cash flow. Growing sales may look exciting, but without careful cash-flow planning, that growth can create financial stress.

Which is more challenging in your business—earning enough revenue or managing the timing of your expenses? Share your answer below.

Are you a business owner looking for funding? Depending on your needs and qualifications, several options may be availab...
09/24/2026

Are you a business owner looking for funding? Depending on your needs and qualifications, several options may be available.

Alternative business funding includes revolving lines of credit, term loans, and working capital. To qualify, your business should generate at least $10,000 in monthly gross revenue deposited into a business bank account.

Funding may be available up to $10 million, although approvals are typically around 10% to 20% of your annual gross sales. To begin a review, you’ll need a completed application and your last four months of business bank statements. Funding may be available as soon as the same day or the next business day.

Another option is our zero-percent business credit card program, offering 12 to 18 months at zero percent. This program generally requires a FICO score of 700 or higher. If the primary owner’s score is below 700, a qualified co-signer may be accepted. A full tri-merge credit report is required. Pre-approvals may be available within one to two hours, with funding typically completed within one to three weeks.

We also offer personal term loans for qualified borrowers with a FICO score of 640 or higher. You’ll need your last three months of personal bank statements. Pre-approvals may be available within one to two hours, and funding generally takes two to four business days.

Every situation is different, and approval is not guaranteed. Send me a message today, and let’s explore which funding option may be the best fit for you.

Your introduction could open a door for a small-business owner.Accountants, bookkeepers, insurance professionals, real e...
09/24/2026

Your introduction could open a door for a small-business owner.

Accountants, bookkeepers, insurance professionals, real estate agents, business coaches, and community connectors often hear about a financial need before anyone else.

A business owner may mention needing capital for inventory, equipment, payroll, repairs, marketing, or expansion. You do not have to be a funding expert to help. A simple introduction can connect that owner with someone who can listen, ask the right questions, and help them explore possible options.

Strong referral partnerships are built on trust, communication, and a shared commitment to helping business owners move forward.

If you are interested in learning more about becoming a referral partner, send me the word “PARTNER.” Let’s connect and see if this opportunity is a good fit.

Sometimes hearing “no” does not mean the conversation is over. It may mean the business needs a different plan.Imagine a...
09/23/2026

Sometimes hearing “no” does not mean the conversation is over. It may mean the business needs a different plan.

Imagine a business owner who needs capital but feels discouraged after being turned down by a traditional lender. Instead of giving up, they take a closer look at their numbers, clarify exactly how the money would be used, and explore options that may better fit the business.

The biggest win is not simply finding funding. It is replacing confusion and frustration with clarity, preparation, and a realistic path forward.

Every business story is different. Sometimes the next step is funding, and sometimes it is improving your financial position before applying again. Both can move your business forward.

If you have heard “no” and are unsure what to do next, message me. Let’s have a confidential, no-pressure conversation about your goals.

This is an educational example based on situations many business owners experience, not a specific client testimonial.

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Serving Businesses Nationwide
Antelope, CA
95843

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+19165887155

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