News & Research | Gateway Commercial Finance

Cybersecurity in business finance: Protecting your company in 2025

Cybersecurity in business finance: Protecting your company in 2025 As businesses increasingly rely on digital tools in an ever-evolving business world, cybersecurity is no longer just an IT concern. Cloud storage, digital payments, remote work, SaaS platforms, cryptocurrency, and more all present unique security challenges to modern businesses. For business owners, financial leaders, decision-makers, and […]

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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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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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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 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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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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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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