Marc Marin | Gateway Commercial Finance

The Post Tax pivot: How smart businesses turn April cash crunches into growth catalysts.

Studio story https://gatewaycfs.com/the-post-tax-pivot-how-smart-businesses-turn-april-cash-crunches-into-growth-catalysts/ Trevor Mahoney for Gateway Commercial Finance The post-tax pivot: How smart businesses turn April cash crunches into growth catalysts For the majority of small business owners, April comes with a familiar worry. Tax payments are about to go out the door, and cash reserves dip as a result. The natural instinct is […]

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Minimum Wage Increase in 19 States in 2026.

Jeff Clemishaw for Gateway Commercial Finance [Getty photo] credit: RJ Sangosti // MediaNews Group / The Denver Post via Getty Images Minimum wage increased in 19 states in 2026. Here’s how businesses can protect their cash flow January marked a change in payroll across the United States. Nineteen states increased their minimum wage on the

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February cash collections sprint: 10 operational tactics to navigate the shortest month

February is an unforgiving time of the year. With both fewer calendar and working days, and one federal holiday, the margin for error in cash collections is virtually nonexistent. Shipments can slip, approvals can compress, and payment runs that might normally fall on the 30th accidentally get pushed into early March. Revenue that is technically

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Small Business Invoice Factoring | Faster Cash Flow Without Debt

Why is my business profitable, but I still don’t have enough cash to operate?. That’s one of the most common questions I hear from small business owners. I’m Marc J. Marin, Founder of Gateway Commercial Finance, and after nearly three decades working with U.S. small businesses, I’ve found that cash flow problems rarely come from

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What Net 30/60/90 Means: Understand How These Terms Affect Cash Flow.

In the world of B2B transactions, waiting to get paid is the norm. It’s not uncommon to see net terms range from Net 7 to Net 120 days, which translates into waiting to get paid by your customer. Landing that new customer also comes with playing their banker until they pay, which often stresses a

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When Chapter 11 Bankruptcy Becomes A Strategy: Turning Financial Distress Into a Business Reset

When Chapter 11 Bankruptcy Becomes A Strategy: Turning Financial Distress Into A Business Reset Originally Published in Forbes October, 2025 by Marc J. Marin Forbes Councils Member Bankruptcy filings are on the rise again, and 2026 is already shaping up to eclipse 2025. It’s not a surprise; we’ve been living in a long cycle of

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10 ways to accelerate cash flow in December without disrupting customer relationships

10 ways to accelerate cash flow in December without disrupting customer relationships December is one of the most financially strained months for businesses when it comes to cash flow. Year-end project surges, holiday closures, and fiscal budgeting cycles can create long wait times between delivering work and receiving payment. Many companies might feel stuck between

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Cyber Season: A CFO’s 10 Step Payment and Data Security Check Before Holiday Phishing Peaks

Cyber season: A CFO’s 10-step payment and data-security check before holiday phishing Peaks The end of the fiscal year is ideally supposed to be about closing the books rather than chasing fraud losses. For many finance teams, however, December also brings a spike in payment fraud attempts. Many criminals realize that the year’s end means

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The holiday late-pay list: Industries where invoices slow down most from November to January

When many businesses see winter on the horizon, they come to a similar conclusion: Cash flows will likely tighten. As customers make larger payments due to elevated holiday spending, invoices have a funny habit of trickling into the new year. This leaves suppliers waiting longer to get paid. Days sales outstanding (DSO) is a key

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The first 48 hours on a past-due invoice: A no-stress game plan

Late payments are, without a doubt, one of the most common headaches for small businesses. Often operating on lean budgets and quick working capital cycles, having access to cash is crucial. However, being too aggressive in your collections process can potentially lead to damaged client relationships. Gateway Commercial Finance, an invoice factoring company, put together

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How Bankruptcy Can Be a Smart Business Reset Strategy

Bankruptcy filings are on the rise again, and 2026 is already shaping up to eclipse 2025. It’s not a surprise; we’ve been living in a long cycle of easy credit for years, and now the tide is receding. Attorneys, lenders and investors are all starting to get the calls from business owners who have stretched

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How Social Media Is Shaping Gen Z’s Career Expectations and Job Decisions

Discover how Gen Z is using TikTok, Reddit, and YouTube to make job decisions, set career goals, and define workplace expectations.

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Essential Financial Tools Every Small Business Should Know in 2025

In today’s uncertain economy, small businesses need more than grit and hustle; they need data, automation, and smart planning. With inflation, rising borrowing costs, and unpredictable supply chains shaping the 2025 landscape, choosing the right financial tools can mean the difference between surviving and thriving. This guide from Gateway Commercial Finance, an invoice factoring company,

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Top financial mistakes small businesses make – and how to avoid them

Running a small business is exciting—but without sound financial practices, it’s risky. This article from Gateway Commercial Finance highlights the most common financial mistakes small business owners make, from poor cash flow management to mixing personal and business funds. It offers actionable steps—like forecasting, budgeting, and setting up emergency reserves—to build long-term financial health and stability.

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