Ingredient quality seems fine. Some of the stores are poorly run. The one near me has my order late about half the time, and sometimes the portions are tiny (I usually pay $16+).

Not much of an advantage other than that perhaps you can get a better yield, covenant package by being a more stable source of capital / reliable partner to borrowers whereas the primary HY bond market opens and shuts. But with more capital/competition within private credit that erodes

I work in finance. Also an avid cyclist - listening to people in the cycling industry describe what’s going on with supply chains has been my portal into the “real world” impacts on SMBs