The Commercial Finance Group has published a number of articles on all facets of commercial financing. Click on the titles below to read these articles.
The Commercial Finance Group has published a number of articles on all facets of commercial financing. At right, you can click on the various titles below to read about a variety of commercial financing and working capital financing topics.
In It's Time to Take a Fresh Look at Asset Based Lending, we see how There are many misperceptions among CFOs and finance executives when it comes to asset-based lending (ABL) - we dispel these myths and explain ABL and its advantages in today's lending market.
In the article Eight Reasons to Refer Non-Bankable Clients to CFG, we show how it can be extremely beneficial for lenders to have an established partnership with an alternative lender like the Commercial Finance Group.
In DataLogix Texas A Small Business Success Story With a Helping Hand From CFG, shows how CFG provided DataLogix Texas with a revolving credit line based on accounts receivable that allowed them to not only keep operations going, but to implement a growth plan that has resulted in 300 percent annual growth every year since 2003.
In Current Trends in Working Capital Management, we explain how business lending activity appears to be on the rise and discuss the current trends in lending and working capital in today's economy.
In The Shifting Financing Landscape and
Its Affect on Commercial Lenders, we learn Today's lending landscape is far different from what existed before 2008. Since the onset of the financial crisis, virtually everything about commercial lending has changed, from stricter credit criteria and more risk aversion by lenders to enhanced regulatory scrutiny.
In Commercial Financing: Off-Balance Sheet Financing, we explain the two different categories of commercial financing—on-balance-sheet financing and off-balance-sheet financing, including factoring—and how understanding the difference can be critical to obtaining the right type of commercial financing for your company.
In Do It Yourself Commercial Financing, we describe the three main ways to finance a business it: via debt, equity or "do it yourself" financing. At various stages in your business's life cycle, one or more of these methods may be appropriate.
Accounts Receivable (A/R) Financing Frees Up Hidden Cash, we describe how you can you release trapped cash and put it to good use in your business by using factoring and accounts receivable financing. This will enable you to replace your accounts receivable with cash in hand and could make a drastic difference to the way you run your business.
In Commercial Financing Options to Overcome the Credit Crunch, we note how asset-based lending (ABL) can be a lifeline for small businesses that are finding it harder to obtain commercial financing. The two main types of ABL are factoring and accounts receivable financing.
In Factoring nd Leasing: A One-Two Commercial Financing Punch, we point out how small business owners can use factoring and leasing to create financial leverage, thus preserving cash flow for the actual operations of the business. When used together, factoring and leasing provide a powerful one-two commercial financing punch.
Factoring Services and Prompt-Pay Discounts, we explain how using factoring can enable small businesses to take advantage of “2/10, net-30 discounts” in order to improve their cash flow. These discounts can really add up, especially for small businesses with thin profit margins.
In Gentleman Jim Provides Factoring and Commercial Financing Solutions, we introduce you to Jim O’Keefe, a CFG veteran with over 23 years of direct experience in the factoring industry. Jim has watched first-hand as CFG and the factoring industry have grown and evolved. In between, he has taken a very interesting career route.
In Focus on Business Fundamentals to Improve Cash Flow, we discuss how a recession or economic downturn forces most business owners to focus like a laser on the fundamentals of their business and take a hard look at how they're managing their finances. It lists five key areas to go back and reexamine if you haven't lately.
In Factoring as a First Resource for Commercial Financing, we point out how, in the midst of recent upheaval in the commercial financing markets, many small businesses are now turning to factoring for the capital they need to thrive and grow. With factoring services, small businesses sell their accounts receivable at a discount in order to accelerate cash flow.
In Accounts Receivable (AR) Financing: More Than Just Money, we explain the concept of "core competency," which refers to the things done by a business that lie at the heart of its ability to manufacture a product or deliver a service. Since managing accounts receivable isn't a core competency for most companies, many rely on accounts receivable factoring companies to handle their accounts receivable functions.
In Factoring Services Can Strengthen Supply Chain Links, we explain why successful entrepreneurs are concentrating on building strong links with their customers and vendors and how factoring services can help them do this. A strong supply chain has always been important in business, but the New Normal has made it absolutely crucial.
In Factoring Services and Commercial Financing a Whole New Light, we explain how many small businesses have discovered the potential benefits of asset-based lending and factoring. In the post-financial-crisis world, factoring has re-emerged as a way for fast-moving, aggressive businesses to meet the critical need for working capital finance.
In Commercial Financing Options Despite the Credit Crunch, we point out that amidst all the gloom and doom, it's important to keep one thing in mind: There are still options available for small business financing. It's simply a matter of knowing where to look and how to prepare.
In Commercial Financing: A Look at the Current Landscape, we examine a recent survey in which only 11 percent of respondents said they had sought new lines of credit or financing over the past year in an effort to help improve their cash flow. In this environment, owners need to be more agile, flexible and transparent.
In Factoring: The Revolution Has Begun, we report on the recent Annual Conference of the Association of Financial Professionals, where Sarsha Adrian, a senior consultant with Graber Associates, led a lively discussion on what she calls "the (r)evolution of factoring" over the past couple of years.
In How Alternative Financing Can Help Meet Cash Flow Challenges, we describe the “David vs. Goliath” scenario that plays out so often in the alternative financing industry: Small businesses land large contracts to supply big box chains, but they have to accept the big box’s extended payment terms. Alternative financing options can provide the cash infusion small businesses need in this scenario.
In Alternative Financing Can Help Plug Cash Flow Gaps, we explain how alternative financing solutions can help small businesses overcome the cash flow challenges presented by slow-paying customers. While many large corporations are sitting on huge piles of cash, they’re stretching out their payments to vendors even farther.
In Why Cash Flow is King, we point out one of the biggest financial mistakes many small business owners make: focusing too heavily on profitability at the expense of cash flow. Understanding the difference between cash flow and profits may determine whether your small business survives, much less thrives, in today’s challenging business and economic environment.
The Commercial Finance Group publishes a commercial financing newsletter with ideas, resources and working capital financing solutions for small to medium-sized emerging companies. You can read past issues here and sign up below to receive the newsletter each month.