Dare Capital

We recently attended the IFA’s meeting for Presidents and Senior Executives and came back with a ton of great takeaways for those in the factoring world. ? In general, portfolios are performing well and mostly growing, given the economic backdrop. NFE is up and there are pockets of weakness in sectors like apparel and transportation. Although bank referrals seem rare and competition is fierce with Supply Chain Finance, SBA, and MCAs, the 2025 outlook is optimistic. We discussed capital, which seems very plentiful and looking to deploy. We also discussed some of the new and innovative products coming on the market, like the new sub-debt revolver line pioneered by Haversine Funding and the emergence of Factoring-focused funds like Thirdmark Capital, Altriarch, and Climate First Bank. ?? Credit, fraud, and operations were some of the main topics of roundtable discussions. Thanks to AI, fighting fraud is tougher than ever. Email fraud is getting especially dangerous. The Dare team knows all the dreaded red flags of factoring. The key is to identify them BEFORE you fund into a problem. #DareCapital #fraud #IFA #riskmanagement #operationalrisk #credit #factoring #factoringupdate

The Hard Truth About Government Spending Cuts ?? Government spending cuts are good for economic stability, but let’s face it—spending also accounts for a significant percentage of GDP. Right now, U.S. debt has ballooned to $36.5 trillion, and with interest rates at 4.5%, taxpayers are footing a $1 trillion bill annually—just for interest. Of course, the spending spree of the past few years has put enormous pressure on our economy. The real dilemma? Slashing massive expenditures too quickly could trigger a major recessionary shock. ?? But speaking of shocking… the new administration’s findings on USAID are mind-blowing. As Elon Musk put it, “it became apparent that what we have here is not an apple with a worm in it, but we have actually just a ball of worms.” ?? While hardworking Americans pick up second and third jobs just to stay afloat, here’s a glimpse at USAID’s spending spree: ?? $2 million for sex changes in Guatemala ?? $20 million for a Sesame Street show in Iraq ?? $4.5 million to combat "disinformation" in Kazakhstan Taxpayers didn’t sign up for this. The era of accountability is (finally) here. ?? Of course, the real question remains: Will this administration tackle the big fish—Medicare, Medicaid, Social Security, and the military-industrial complex? Or are we only scratching the surface? What’s your take—how deep does the rabbit hole go? ?? Let’s discuss. #GovernmentSpending #DebtCrisis #Accountability #USAID #FederalBudget #Economy #TaxpayerMoney #FiscalResponsibility

Hit $65M in annual volume for 2024 in BRS Partner volume. Looking at $100M for 2025. But here's what gets me excited: Every time one of our BRS partners hits $100K+ in monthly income (like one did last month), I think about all the industry veterans trying to do this alone. Most have: → Great deal flow → Strong client relationships → Solid underwriting skills → Deep industry knowledge But here's the brutal reality of going solo: ? Expensive software contracts ? Operations overhead before revenue ? Learning risk management through costly mistakes ? Being chained to your desk 24/7 Truth is, I made every mistake possible building this engine. Took years to figure out: How to scale operations Which metrics actually matter When to hire (and fire) How to build proper KPIs What systems actually work ?? All that experience and 30+ years in factoring created BRS. BTW. One of our partners just cleared $100K last month alone. The difference? They focused purely on relationships while we handled: ? Portfolio management ? Onboarding ? Risk monitoring ? All the back-office heavy lifting ? NN6 integration You know what else? They can actually take vacations. Real ones. Not the "checking email every 5 minutes" kind. Let's talk about what that could look like for you.

The same morning DeepSeek took the number one spot on Apple's App Store, Nasdaq 100 futures took a nosedive. ?? Analysts and armchair investors alike see this as a major threat to US large cap stocks. We can look at DeepSeek as an underdog in the tech space, much scrappier than competitor OpenAI. The ChatGPT parent company was valued at over $157 billion back in October and has 22 times the employee base than DeepSeek. However, the underdogs proved that bigger isn't always better. DeepSeek is also over 96% cheaper than ChatGPT and 100% Open Source. Of course, this is turning the stomachs of large-cap US tech giants. AI hardware and software arguably played the most significant role in the bull market of the last two years. ?? History tends to repeat itself, that is until we learn enough from it to course correct. If DeepSeek's really all it's cracked up to be, NVIDIA and other big tech/AI darlings could find themselves in a dot-com-bubble-ish predicament. #factors #factoring #darecapital #marketinsights #NVDA #dotcombubble #AI #DeepSeek #bigtech

In this game, we call it like we see it—no illusions, no biases, just the raw reality of balls and strikes. The hero’s journey demands one thing above all: seeing things as they are, not as we wish them to be. That’s never easy. It takes courage to strip away assumptions and confront the truth, no matter how uncomfortable. ?? When money’s on the line, facts win. The clearer your head, the clearer your decisions—in life, in business, and in the markets. And the truth is, change is inevitable. No leader—company or individual—stays on top forever. As history has shown, every rise comes with a risk of a fall. DeepSeek might not be the ultimate domino, but it’s certainly a signal. The question is: Are you listening? ?? Ready to navigate a changing world with clarity? Let’s talk. #Leadership #Investing #TechTrends #AI #DecisionMaking #DeepSeek #MarketShifts #BusinessStrategy

Navigating the New Economic Reality: Where Are We Headed? As we try to keep pace with the never-ending barrage of news headlines, one thing is clear: we’ve crossed the threshold into a new era. The economic and political landscapes are shifting beneath our feet, and the ripple effects are being felt across industries. But here’s the million-dollar question: Where will we stand when the dust settles? ?? The bold moves by the Trump administration are making waves—some call it necessary action, others call it chaos. But are these fears grounded in reality, or is it just another cycle of media frenzy? ?? Here’s what we’re watching: ?? The BLS reported a 556K drop in December job openings, with overall 2024 job growth likely falling below what’s needed to keep unemployment stable. ?? Construction & manufacturing job openings are hovering near pandemic lows—yes, lower than when the economy was shut down. Meanwhile, small business employment is contracting at its fastest rate since the pandemic. ?? The nation’s top 10% of stocks now make up 75% of the U.S. equity market—eclipsing even the dot-com bubble peak of 73%. This level of concentration is something we haven’t seen since before the Great Depression. What does this mean for businesses, investors, and the average American? Are we witnessing market resilience or setting the stage for an economic reset? Are tariffs the villain or a necessary safeguard? Now, let’s dive deeper into the current cuts, market moves, and tariff fears—and what they mean for our future. What are your thoughts? Are we headed for a correction, crash, or continued strength? Let’s discuss. ?? #Economy #JobMarket #Investing #Manufacturing #StockMarket #Tariffs #BusinessTrends

In the early 2000s, Cisco was a leading supplier in networking equipment. Many of the startups at the time bought up Cisco equipment to create their infrastructure. However, once the bubble burst, demand for new hardware dried up and used equipment flooded the marketplace. ?? This could potentially also happen with NVIDIA, especially if DeepSeek indeed does take over the AI space. We could see the need for chips plummet as AI startups fail in droves and try to find buyers for all the tech they invested in. Like Cisco relied on dot-com startups to float its success, AI startups are what's propping up NVIDIA. ?? As we've mentioned before, NVIDIA's valuation is largely influenced by AI hype, which could be in for a massive correction. We're well aware that what goes up must come down. It's always just a matter of when and flavor of catalyst. #darecapital, #factoring, #marketinsights, #AIhype, #NVDA, #DeepSeek, #Cisco, #bigtech, #dotcombubble

AI’s Dot-Com Moment? The NVIDIA Paradox Looking back at the dot-com bubble, one name stands out: Cisco. In the early 2000s, Cisco dominated networking equipment sales, fueled by startups building the internet's backbone. But when the bubble burst, demand vanished, and a flood of used equipment crashed the market. Cisco’s stock never fully recovered from its peak. Fast forward to today: Could NVIDIA be next? If DeepSeek truly reshapes the AI landscape, we might see a wave of AI startup failures—leaving excess GPUs in their wake. Just like Cisco, NVIDIA’s meteoric rise is riding on AI hype, but what happens when the market corrects? ?? The lesson? What goes up must come down. It’s never a question of if, but when—and what triggers it. ?? Thoughts? Are we staring at an AI gold rush, or is this another dot-com déjà vu waiting to unfold? #AI #DeepSeek #NVIDIA #TechInvesting #StockMarket #ArtificialIntelligence #DotComBubble

We've been tracking cracks in the facade of the AI hype machine for quite some time now. In a twist of events, the world was blindsided by the surprising introduction of China's DeepSeek AI and the $1 trillion Wall Street bloodbath it left in its wake. ?? Essentially, DeepSeek set out to build a better mousetrap, something that would turn ChatGPT on its head. And they did just that. DeepSeek's AI model is much faster and cheaper. How they accomplished it boils down to two factors: smart engineering and access to American chips. ?? DeepSeek reported using over 2,000 Nvidia chips to train its AI. The chips were export-control compliant for China, but it's leaving Washington a bit uneasy. The Trump administration is currently revisiting Biden era policies around giving China access to the powerful tech they need to keep innovating. While the Biden administration did put some new rules in place to help close blind spots and loopholes, the DeepSeek sneak attack shows there's work to be done. Is this truly the beginning of the end of the AI hype era? ?? In our latest newsletter, we take a closer look at the writing on the wall and what it means for all of us on the journey. #markets #economy #AI #DeepSeek #NVDA #AIhype #China #bigtech

DeepSeek vs. Big Tech: The Underdog That Shook the Market ?? The same morning DeepSeek claimed the #1 spot on Apple’s App Store, Nasdaq 100 futures plummeted—a signal that sent shockwaves through Wall Street. Analysts and retail investors alike are calling this a major threat to US large-cap stocks. Why? DeepSeek isn’t just another AI model. ? 96% cheaper than ChatGPT ? 100% Open Source ? Leaner, scrappier, and moving at breakneck speed Meanwhile, OpenAI, valued at $157B, has 22x the employees of DeepSeek. Yet, size didn’t stop this AI disruptor from taking over the charts. The big question: Are the AI giants at risk? AI has fueled the market’s biggest rallies in recent years, but history warns us—when underdogs shake up an industry, giants either adapt or stumble. Could DeepSeek be the beginning of a new AI revolution—or will the incumbents find a way to fight back? What do you think? Are we looking at an AI shift, or is this just a short-term shake-up? #AI #TechDisruption #DeepSeek #OpenSource #Investing #BigTech #ArtificialIntelligence