By Marc J. Marin for Forbes April 9, 2026 For three decades, I’ve watched businesses struggle with cash flow in ways that are both predictable and preventable. What’s changed recently is the scale of the problem. A very real shift is happening in how large companies manage their cash, and their suppliers are the ones […]
When Suppliers Become Lenders: Why Invoice Factoring is Gaining Ground in 2026 Show Me More »
Studio story Trevor Mahoney for Gateway Commercial Finance 7 Cash Flow decision to make before summer. Memorial Day doesn’t just mark the unofficial start of summer. For B2B businesses, the holiday marks the start of a season that can punish those who are unprepared. Factors such as decision-makers going on vacation, payment cycles naturally slowing
The summer operations checklist: 7 cash flow decisions to make before Memorial Day Show Me More »
Studio story https://gatewaycfs.com/the-post-tax-pivot-how-smart-businesses-turn-april-cash-crunches-into-growth-catalysts/ Trevor Mahoney for Gateway Commercial Finance The post-tax pivot: How smart businesses turn April cash crunches into growth catalysts For the majority of small business owners, April comes with a familiar worry. Tax payments are about to go out the door, and cash reserves dip as a result. The natural instinct is
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
Minimum Wage Increase in 19 States in 2026. Show Me More »
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
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
Small Business Invoice Factoring | Faster Cash Flow Without Debt Show Me More »
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
What Net 30/60/90 Means: Understand How These Terms Affect Cash Flow. Show Me More »
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
Invoice Discounting: Unlock Working Capital Without Debt Show Me More »
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
Invoice Financing vs Invoice Factoring: Key Differences & Benefits Show Me More »
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 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
10 ways to accelerate cash flow in December without disrupting customer relationships Show Me More »
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
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
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
The first 48 hours on a past-due invoice: A no-stress game plan Show Me More »
