What does Jon Lynch Financial Group do?

JLFG (operating as Pillar) is a veteran-owned small business holding company headquartered in Florida; its SDVOSB certification is in progress. We operate seven products: insurance (Bask), insurance-agent intelligence (Velo), B2B lead data (Forge), merchant-cash-advance underwriting intelligence (Comet), MCA pipeline management (Vault), autonomous trading research (Quorum), and macOS productivity utilities (Sweep).

How do I contact JLFG?

Call (786) 777-8869 or email jonlynchfinancialgroup@gmail.com. For specific products, visit the relevant subdomain — each has its own contact path.

Glossary

Plain-English definitions of the entity, federal-contracting, and financial-services terms used across Jon Lynch Financial Group properties.

JLFG Jon Lynch Financial Group: The parent holding company. veteran-owned, headquartered in Miami, Florida. Operates portfolio subsidiaries spanning insurance, fintech tools, lending brokerage, and quantitative trading. See home for the full subsidiary graph.
JLIG Jon Lynch Insurance Group: The JLFG subsidiary running the direct-sales insurance agency. Florida 2-15 licensed (Life, Health, Variable Annuity). Bilingual English/Spanish. Multiple A-rated carriers. Site: insurance.jonlynchfinancial.com.
JLFT Jon Lynch Financial Technologies — also "Jon Lynch FinTech": The JLFG subsidiary operating technology products: Velo (insurance producer licensing intelligence), Forge (B2B prospecting), Lending by JLFG (MCA broker operations), and Quorum (AI quantitative trading).
SDVOSB Service-Disabled Veteran-Owned Small Business: A federal-contracting designation issued by the U.S. Small Business Administration (SBA) and the U.S. Department of Veterans Affairs (for VA contracts). Eligibility requires at least 51% ownership by one or more service-disabled veterans who also control day-to-day operations. The designation enables sole-source contract awards up to certain thresholds and competitive set-asides. JLFG is veteran-owned (SDVOSB certification in progress) — see federal capability statement. Reference: SBA — SDVOSB program.
FAR 19.1405 Federal Acquisition Regulation — SDVOSB sole-source authority: The FAR section governing sole-source set-asides for SDVOSB concerns. Under FAR 19.1405, a contracting officer may award a contract on a sole-source basis to an SDVOSB without competition when the anticipated award price (including options) does not exceed $4.5 million ($7 million for manufacturing under NAICS sectors 31–33). Reference: Acquisition.gov — FAR 19.1405.
NAICS North American Industry Classification System: The standard industry classification system used by U.S. federal agencies for statistical reporting and procurement classification. Each contractor registers under one or more NAICS codes. JLFG carries codes spanning insurance services, software publishing, computer systems design, business support services, and management consulting — see federal capability statement. Reference: Census — NAICS.
Florida 2-15 license Life, Health, and Variable Annuity Agent License: The Florida Department of Financial Services (FL DFS) license authorizing the holder to sell life insurance (term, whole, universal, indexed universal), health insurance (ACA marketplace, supplemental, short-term), and variable annuities in Florida. Variable annuity sales additionally require a Series 6 or Series 7 securities registration. JLIG is staffed by FL 2-15 licensed agents — see JLIG About. Reference: myfloridacfo.com — Agent & Agency Services.
MCA Merchant Cash Advance: A financing product structured as the purchase of future business receivables at a discount. Repayment is collected as a fixed percentage of daily card sales (or daily/weekly ACH debits) until a fixed payback amount is reached. MCAs are not loans, are not regulated as loans federally, and are typically priced via a factor rate rather than APR — see APR vs factor rate. JLFG's Lending by JLFG sources MCA offers alongside conventional small-business credit products.
Factor rate How MCA cost is typically quoted: A number (e.g., 1.32) multiplied by the MCA advance amount to determine total payback. A $100K advance at factor 1.32 means $132K total payback. Unlike APR, factor rate doesn't directly reflect time — a 1.32 over 4 months and a 1.32 over 12 months have very different effective costs. Used because MCAs are structured as receivables purchases, not loans, and federal disclosure regimes do not require APR. See APR vs factor rate for the apples-to-apples conversion.
Working capital Day-to-day operating funds: Funds used to cover a business's day-to-day operating expenses — payroll, rent, inventory, AR financing — as distinct from capital used to acquire long-lived assets. In SMB finance, "working capital" loans (or MCAs) usually mean short-term funding with 6-18 month payback intended to bridge cash-flow timing gaps rather than fund expansion. See working capital options for SMBs.
DSCR Debt Service Coverage Ratio: Net operating income divided by annual debt service (interest + principal). DSCR > 1.0 means operating income exceeds the debt payment; DSCR > 1.25 is the typical underwriting target for SBA 7(a) and conventional small-business loans. MCA underwriting uses a related but distinct measure: holdback as a percentage of monthly deposits. See how to read a working capital quote.
ACH revoke The triggering event in most MCA disputes: When an MCA merchant instructs their bank to revoke the funder's ACH authorization, stopping daily payment debits. Triggers default within 24-72 hours and exposes the merchant to confessed-judgment enforcement (in NY pre-2019 contracts) or state-court suit. Most MCA disputes that reach court started with an ACH revoke. See when MCA consolidation actually helps for the alternative paths before revocation.
Stacking The highest-risk MCA default pattern: Taking on a second (or third, or fourth) MCA while a first MCA is still being repaid. The aggregate daily payback exceeds what most businesses can sustain operationally. Stacking is the highest-risk default pattern in MCA. Most funder contracts prohibit it, but enforcement is post-fact through default acceleration rather than prevention at origination. See when consolidation actually helps.