Minimum Wage Increase in 19 States in 2026.
Jeff Clemishaw for Gateway Commercial Finance [Getty photo] credit: RJ Sangosti // MediaNews Group / The Denver Post via Getty Images Minimum wage increased in 19 states in 2026. Here’s how businesses can protect their cash flow January marked a change in payroll across the United States. Nineteen states increased their minimum wage on the
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February cash collections sprint: 10 operational tactics to navigate the shortest month
February is an unforgiving time of the year. With both fewer calendar and working days, and one federal holiday, the margin for error in cash collections is virtually nonexistent. Shipments can slip, approvals can compress, and payment runs that might normally fall on the 30th accidentally get pushed into early March. Revenue that is technically
Small Business Invoice Factoring | Faster Cash Flow Without Debt
Why is my business profitable, but I still don’t have enough cash to operate?. That’s one of the most common questions I hear from small business owners. I’m Marc J. Marin, Founder of Gateway Commercial Finance, and after nearly three decades working with U.S. small businesses, I’ve found that cash flow problems rarely come from
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What Net 30/60/90 Means: Understand How These Terms Affect Cash Flow.
In the world of B2B transactions, waiting to get paid is the norm. It’s not uncommon to see net terms range from Net 7 to Net 120 days, which translates into waiting to get paid by your customer. Landing that new customer also comes with playing their banker until they pay, which often stresses a
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Invoice Discounting: Unlock Working Capital Without Debt
Struggling with slow-paying customers or long NET terms? An invoice discounting facility may be the fastest way to unlock trapped cash and stabilize your operations. Internationally, businesses use invoice discounting to free up cash tied in receivables, but in the United States, the same process is known as invoice factoring, the sale of invoices to
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Invoice Financing vs Invoice Factoring: Key Differences & Benefits
Invoice financing and invoice factoring both unlock working capital from invoices, but mechanically, they work differently. Factoring is the sale of invoices to a third party, while financing lets you borrow against invoices. Cash flow remains one of the biggest challenges for businesses, with billions tied up in unpaid invoices at any given time. According
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When Chapter 11 Bankruptcy Becomes A Strategy: Turning Financial Distress Into a Business Reset
When Chapter 11 Bankruptcy Becomes A Strategy: Turning Financial Distress Into A Business Reset Originally Published in Forbes October, 2025 by Marc J. Marin Forbes Councils Member Bankruptcy filings are on the rise again, and 2026 is already shaping up to eclipse 2025. It’s not a surprise; we’ve been living in a long cycle of
10 ways to accelerate cash flow in December without disrupting customer relationships
10 ways to accelerate cash flow in December without disrupting customer relationships December is one of the most financially strained months for businesses when it comes to cash flow. Year-end project surges, holiday closures, and fiscal budgeting cycles can create long wait times between delivering work and receiving payment. Many companies might feel stuck between
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Cyber Season: A CFO’s 10 Step Payment and Data Security Check Before Holiday Phishing Peaks
Cyber season: A CFO’s 10-step payment and data-security check before holiday phishing Peaks The end of the fiscal year is ideally supposed to be about closing the books rather than chasing fraud losses. For many finance teams, however, December also brings a spike in payment fraud attempts. Many criminals realize that the year’s end means
The holiday late-pay list: Industries where invoices slow down most from November to January
When many businesses see winter on the horizon, they come to a similar conclusion: Cash flows will likely tighten. As customers make larger payments due to elevated holiday spending, invoices have a funny habit of trickling into the new year. This leaves suppliers waiting longer to get paid. Days sales outstanding (DSO) is a key
The first 48 hours on a past-due invoice: A no-stress game plan
Late payments are, without a doubt, one of the most common headaches for small businesses. Often operating on lean budgets and quick working capital cycles, having access to cash is crucial. However, being too aggressive in your collections process can potentially lead to damaged client relationships. Gateway Commercial Finance, an invoice factoring company, put together
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How Bankruptcy Can Be a Smart Business Reset Strategy
Bankruptcy filings are on the rise again, and 2026 is already shaping up to eclipse 2025. It’s not a surprise; we’ve been living in a long cycle of easy credit for years, and now the tide is receding. Attorneys, lenders and investors are all starting to get the calls from business owners who have stretched
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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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