Is the Subprime Credit Bubble About to Burst?

[Image](   [ARCHIVES]( LIVE]( [Twitter]( [Youtube]( [Instagram]( [Tiktok]( [Discord]( [LinkedIn]( [Revolutionary Trading Software Crushing the Markets]( Since April, a new trading tech is responsible for pinpointing winning trades – with an average gain of 40% in only two weeks. While the stock market is tanking, regular people are using this tool for making money today. [Check it out here](   March 18, 2023 Dear Reader Good Afternoon, As we navigate the ever-changing landscape of the investment world, we must stay alert to potential risks and pitfalls before us as traders. It's easy to see how we could be facing a significant subprime credit problem, especially in the world of startups. As I look across the financial landscape, this is a classic vulture trade scenario. It's a moment when investors must question whether they're willing to take even more risks than they already have with venture capital. I personally doubt the wisdom of such a move, but some folks are willing to go all-in on the promise of changing the world through software as a service (SAAS) or some other ambitious venture. The other day, I caught a segment on Fox Business featuring a company providing bridge loans to pre-revenue VC firms at interest rates ranging from 12% to 25%. I found it a little predatory. If you're a startup, why not factor your invoices and pay a mere 3% per month? In the coming weeks, I anticipate we'll see some revelations about Ponzi schemes and other shady dealings in the startup world. It's possible that some companies may have misled their investors and could be facing collapse. But let's not forget that sunshine is the best disinfectant for business and the economy. I expect we'll see some eye-opening headlines in the days ahead. As always, we'll look for the [best opportunities to trade them]( in Flashpoint Trader. So, which banks are the most at risk? Simply put, any bank with exposure to subprime credit is vulnerable. Companies like ALLY Financial (ALLY) or Lending Tree (TREE), which engage in riskier loans, are particularly susceptible right now, as evidenced by the dismal retail numbers this week, indicating that consumers are reaching their limits. It's crucial to understand the big picture here. SVB Capital was pushed to the brink by a major trend: the fact that venture capital hasn't been raising money in the past six months. As a result, less cash has flowed into deposits, and companies have been burning through their reserves at the same rate as they did in 2020. They simply haven't been tightening their belts. Well, I hate to break it to you, but American consumers are facing the same problem as SVB Capital. Last year, they had all this extra cash coming in, but the well is starting to run dry in 2023. This means we're likely to see more layoffs and stagnant wages. And yet, people are still spending like there's no tomorrow, resulting in record-high credit card APR. There's a massive amount of consumer credit out there, and [many companies are exposed to risk]( because consumers may struggle to make ends meet and pay off their loans. Take Ally Financial (ALLY), for example. It had a fantastic start to the year, but it's now right back where it began. The same goes for peer-to-peer lending platforms like Lending Club (LC) - I wouldn't touch them with Shah's ten-foot pole. So, keep an eye on the list of companies at risk from MarketWatch; even typically healthy organizations like Zions (ZION) and First Bancorp (FBNC) look shaky. It's a situation reminiscent of 2008. So, let's stay alert and pay extra mind to momentum. And when we see our HyperMomentum light switch [get ready to trade the best-performing stocks]( when capital returns to the game. Cheers, Garrett {NAME} Did you miss the show? 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