Protected: How Prepared Are Business Owners for a Recession?
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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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Protected: The Cost of Tariff Anxiety: How Economic Uncertainty Is Delaying Business Growth
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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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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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NET Terms by Industry: What’s Normal? (Insights from 1,000+ Factoring Clients)
This article presents benchmark data on typical NET payment terms across eight major industries, based on insights from over 1,000 factoring clients. By understanding what’s standard in your sector, you can better negotiate terms, manage cash flow, and stay competitive. Use this research as a practical reference to compare your company’s payment practices with industry norms.
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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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