Marc Marin | Gateway Commercial Finance

How to Stress Test Your Small Business Finances (before it’s too late)

When a downturn hits, small businesses often feel it first. This guide from Gateway Commercial Finance shows how financial stress testing can help you prepare for revenue drops, rising costs, and late payments—before they threaten your bottom line. Learn how to run realistic scenarios, track key financial metrics, and build a proactive strategy that keeps your business resilient no matter the economic climate.

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Secured Line of Credit: Business Pros, Cons & Alternatives

For business owners juggling cash flow and long-term growth, flexible access to working capital can make a measurable difference. One solution often considered is a secured line of credit (LOC)— a revolving financing option backed by business assets. This guide breaks down what a secured line of credit is, how it compares to unsecured

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How small businesses are navigating rising uncertainty in 2025

Gateway Commercial Finance explores how small businesses are responding to economic uncertainty in 2025 through trends in optimism, hiring, revenue, and access to credit.

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How tariffs are impacting U.S. state economies in 2025

Tariffs, though set nationally, have significant localized economic impacts across U.S. states. States that rely heavily on trade with Canada, China, and Mexico are feeling the most pressure, as tariffs drive up the cost of essential goods like steel, lumber, dairy, and grains. Gateway Commercial Finance analyzed data from several trade and economic sources to assess how tariffs are impacting state economies and industry sectors.

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Deferred Payment Terms Explained: Pros, Cons, and Use Cases

Deferred payment terms can boost sales and strengthen customer relationships, but they must be structured carefully to avoid straining your cash flow. Invoice factoring and automation platforms can help you manage deferred payments without sacrificing liquidity.

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How Payment Delays Are Fueling Recession Fears for SMBs

Delayed customer payments are an inconvenience and a growing threat to small business survival. In 2025, late invoices are creating ripple effects across SMB operations, from hiring and growth to daily cash flow. Gateway Commercial Finance surveyed over 500 small business owners to uncover just how serious the late payment crisis has become.

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Lessons From Failure: What Former Entrepreneurs Want You To Know

We surveyed 213 former small business owners to uncover the most common mistakes, regrets, and lessons learned after business closure — from missed red flags to funding missteps.

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How Factoring Companies Assess Customer Creditworthiness (15 Examples)

This in-depth guide explains how factoring companies evaluate the creditworthiness of your customers—an essential step in determining your eligibility for invoice factoring, as well as the terms you’ll receive. It outlines the tools factors use, such as credit reporting agencies and credit insurance providers, and details how elements like customer concentration, industry risk, and payment history influence decisions. It features 15 real-world examples to illustrate how various scenarios impact funding outcomes and offers actionable tips for businesses seeking better factoring terms.

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Debtor in Possession (DIP) Factoring for Bankruptcy

This article outlines the benefits of obtaining Debtor-in-Possession (DIP) financing for Chapter 11 bankruptcies, detailing the types of lenders and financing options available, including term loans, revolving credit lines, and invoice factoring. It emphasizes the collaborative approach between Gateway Commercial Finance and bankruptcy attorneys to facilitate pre-petition, post-petition, and exit financing, crucial for successful business reorganization and recovery.

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When to Use Invoice Discounting Factoring

Invoice factoring, particularly invoice discounting, offers accessible funding for a wide range of businesses, including startups, companies with operating losses, and those in rapid growth or bankruptcy. It provides a flexible financing solution that grows with the business, offers credit protection, comprehensive reporting, and peace of mind regarding cash flow stability.

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Invoice Factoring: An Appealing Alternative to Loans and Lines of Credit

Invoice factoring offers businesses a flexible solution for raising capital by leveraging their accounts receivable without adding debt or diluting equity. By selling their receivables to a third-party factor, companies can quickly access funds to meet financial obligations and fuel growth, ensuring financial flexibility and control.

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