About and disclosure

Who it is for

Owners of trucking fleets, construction and trade companies, and businesses that deliver on government contracts. The three trades look different from the outside and share the same problem: payroll, fuel and materials are due now, and the invoice pays later. The Float is about managing that gap.

How The Float is paid for

The Float is affiliated with eFin Cap, a direct funder, and earns a fee when readers are funded through it.

eFin Cap is a direct funder of working capital for established small businesses. When a reader applies through a link on this site or in an issue and is funded, The Float earns a fee. That is the whole business model. There are no ads, no sponsored stories and no paid placements.

Every issue has one slot, always labeled “From eFin Cap, our funder”, and that is the only place the funder speaks. Everything else is written for owners first, and the news sections do not change because of who pays for them.

The two-minute check

Our what-could-you-qualify-for check gives a plain tier based on common funder rules of thumb: monthly revenue, time in business, industry and state. It runs in your browser, asks for no email, and never shows rates, factors or payment amounts. Every result is an estimate, not an offer. Any real offer comes from the funder, after an application, with its terms written down.

How issues are made

Each issue follows the same running order:

Lead story. One cash-flow story that matters this week, with its sources linked.
Trucking. Freight rates, fuel, broker pay and the cost of adding trucks.
Contractors. Pay applications, retainage, lien rules and job cash flow.
Government contractors. Payment timing, appropriations, new awards and subcontract terms.
Tool of the week. One template or habit you can put to work before Friday.
From eFin Cap, our funder. One clearly labeled note from the funder that pays for The Float.

Issues are drafted from public sources such as federal agencies, industry data publishers and the Federal Register, with AI tools doing the first pass. Every number and claim is then checked against its source before anything goes out, and anything that cannot be verified is cut. Sources are linked in the issue so you can read them yourself.

What we do not do

We do not give legal, tax or financial advice. We publish general information and link to the primary source.
We do not quote rates, promise approval, or describe how fast or how much anyone can be funded.
We do not sell your information. Our privacy policy says exactly what we collect and who sees it.

Corrections