Business Financial Fitness Blog | Gateway Commercial Finance

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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Net 30 Explained: Pros, Cons, and How To Use It Wisely

Net 30 means a customer has 30 calendar days from the invoice date to make full payment. It can be a useful tool for small business owners managing customer payments and cash flow. This common credit term used in B2B transactions gives clients flexibility while helping businesses maintain steady trade credit relationships. Net 30

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

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How Prepared Are Business Owners for a Recession?

A survey of 600 business owners found that many feel unprepared for a recession, with cash flow issues, late payments, and limited financing access posing major risks. As traditional funding proves difficult, more owners are turning to options like invoice factoring to stay resilient.

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Why Invoice Factoring Works for Box Truck Businesses

The box truck business is all hustle. For many truck drivers and delivery services, waiting up to 90 days to get paid makes it hard to keep up with fuel, maintenance, and payroll. This delay hits especially hard for startups or owner-operators who rely on fast-moving cash flow to keep their wheels turning. Invoice

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The Cost of Tariff Anxiety: How Economic Uncertainty Is Delaying Business Growth

As uncertainty around U.S. tariff policy continues into 2025, small and mid-sized business owners are playing defense. To better understand the impact, Gateway Commercial Finance surveyed 250 business owners across sectors to learn how tariff-related hesitation is affecting growth, pricing, investment, and competitiveness.

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Small business cash flow: What it is, why it matters, and how to get it right

Profit might look good on paper, but it’s cash flow that keeps your business running. In this guide, Gateway Commercial Finance explains why even profitable companies can run into trouble—and how to take control with smart forecasting, faster receivables, and better expense management. Learn the habits, tools, and tactics that help small businesses stay cash-strong and future-ready.

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Gen Z’s Career Commitment? It Lasts Less Than 2 Years on Average

A new survey reveals Gen Z professionals are redefining workplace loyalty, with average job tenures under two years and a growing preference for short-term “situationships.” Employers are scrambling to adapt with flexible schedules, growth paths, and stronger retention strategies.

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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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