Business Financing | Gateway Commercial Finance

Navigating economic uncertainty: Financial planning for small business owners in 2025

Inflation adds to the weight. OnDeck’s 2025 Small Business Cash Flow Report reveals that 32% of business owners report rising prices as their single biggest challenge. At the same time, borrowing has become harder, supply chains remain uneven, and interest rate changes ripple across industries. For many, staying afloat means rethinking old habits and sharpening financial discipline.

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How small businesses adapted to tighter commercial lending standards in 2025

The Federal Reserve’s Senior Loan Officer Opinion Survey from Q1 in 2025 suggests that it has become more challenging for small businesses in the United States to secure commercial and industrial loans. As economic uncertainty rises, banks are becoming more hesitant to lend money to low-collateral businesses.

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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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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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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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The Impact of Late Payments on Small Businesses: What the Data Reveals

Late payments aren’t just an inconvenience for many small businesses—they’re a serious cash flow problem. When customers take 30, 60, or even 90 days to pay their invoices, it can leave business owners scrambling to cover payroll, purchase inventory, or keep up with daily expenses.According to the 2024 Report On Payments by the Federal Reserve, a staggering 80% of small firms experience some form of payment-related challenge.

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Is Debt Factoring Right for Your Business? A Detailed Analysis

Ensuring a steady cash flow is a frequent challenge faced by all businesses. Many entrepreneurs explore solutions to address the lag between sending out invoices and receiving payments, with debt factoring being a viable option. Nevertheless, it’s crucial to thoroughly evaluate this funding source’s processes, advantages, and potential downsides before determining if it suits your business needs.

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Get Your Start-Up Off The Ground With The Help Of Invoice Factoring

The article underscores the critical role of cash flow management for startups post-launch, often overlooked despite initial success. It advocates for invoice factoring as a proactive solution to sustain operations and propel growth, offering a lifeline for startups to navigate financial challenges and achieve long-term success.

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Factoring Agreements Explained: Structure, Risks, and Examples

This comprehensive article delves into the intricacies of factoring agreements, offering a detailed exploration of their definition, typical clauses, and real-world examples. Covering essential terms, such as purchase price calculation, advance rates, and miscellaneous fees, it provides invaluable insights for those seeking to understand or enter into factoring contracts.

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Debtor in Possession (DIP) Factoring – Getting Business Financing During 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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Invoice Factoring Addresses The Funding Needs Of Small Businesses

When big corporations hit cash flow problems, they have options like selling assets or securing credit. But for small business owners, access to such resources is limited. Invoice factoring offers a solution, allowing them to sell outstanding receivables for immediate cash advances, providing relief from cash flow challenges.

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Receivable Factoring Companies Supply The Essential Cash Flow For Business Success

When banks won’t assist due to lack of credit history, receivable factoring companies offer a lifeline. These firms quickly convert outstanding invoices into cash, ensuring businesses get the money they’ve already earned without waiting for client payments. With no need for credit information, the application process is streamlined, providing rapid access to funds to stabilize cash flow.

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How Do NATE Members Use Invoice Factoring

The article discusses the challenges of managing cash flow for small businesses experiencing rapid growth, using a hypothetical tower company as an example. It highlights how invoice factoring can provide a flexible solution to improve cash flow management and mitigate risks associated with delayed payments, enabling businesses to focus on growth and operational efficiency.

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