Joshua Esnard
Small business owner of The Cut Buddy whose firsthand account about tariffs and merchant cash advance debt (described in the episode) illustrates the episode's central case study.
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Mar 11, 2026 • 9min
The shadowy world of merchant cash advances
Joshua Esnard, founder of The Cut Buddy, shares a small business owner’s tale of tariffs and crushing merchant cash advance debt. Alina Seljuk, NPR business reporter, explains how these advances work, why they skirt regulations, and how they target desperate businesses. They discuss urgent cash needs, opaque repayment practices, and efforts to rein in predatory lenders.
