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Commercial FinanceCommercial Finance Blog
07.29.21

Getting Small Business Financing is Difficult … or is it?

The challenges facing small and medium-sized businesses in today’s economic environment can be daunting. Changing market conditions, supply chain disruptions and difficulty hiring staff have emerged as new barriers to…
Chantal Giuliani
Commercial FinanceCommercial Finance Blog
07.21.21

Solving Top Cash Flow Problems for Manufacturers

The pandemic has altered the global economy unlike any preceding event. Supply chain disruptions and dramatically altered consumer spending habits have reshaped the economic landscape. Manufacturing companies serving industries that…
Chantal Giuliani
Commercial FinanceCommercial Finance Blog
07.20.21

Solving Common Business Challenges

There is no doubt small to medium size businesses have become particularly vulnerable to the economic impact of the pandemic. Access to cash flow is a significant concern as sales…
Chantal Giuliani
Commercial FinanceCommercial Finance Blog
07.14.21

How to Improve the Cash Conversion Cycle to Preserve Cash Flow

Managing cash flow to meet financial obligations is one of the most challenging aspects of running a business. In an ideal world, wholesalers and distributers push product and inventory quickly…
Chantal Giuliani
Image of an African American Baker and a lady in glasses discussing financing options for their startupCommercial FinanceCommercial Finance Blog
07.07.21

What Business Financing Options Do Startups Have?

These are exciting and challenging times for all businesses, old and new. Disruption to global economies caused by the recent pandemic has altered the landscape considerably, elevating some industries to…
Chantal Giuliani
Building Your commercial finance broker businessCommercial FinanceCommercial Finance Blog
06.29.21

Building Your Commercial Finance Broker Business

The post-pandemic era is on the horizon, some would argue that it has already begun. How small businesses faced the challenges of the pandemic is only now being assessed, but…
Chantal Giuliani
How Staffing Agencies Hire Top Talent? | eCapital Commercial FinanceCommercial FinanceCommercial Finance Blog
06.24.21

How Staffing Agencies Hire Top Talent

Companies hire staffing agencies for a multitude of reasons, but it boils down to two main objectives; to hire qualified candidates for specific job positions, and to manage the administration…
anthony
Time Tracking Solutions for Temporary Staffing AgenciesCommercial FinanceCommercial Finance Blog
06.16.21

Time Tracking Solutions for Temporary Staffing Agencies

Just like a coin has two sides, staffing agencies have two main functions – hiring productive workers to fill job positions and conducting the administrative management of those workers. The…
Chantal Giuliani
Background Image for How to Start a Temporary Staffing Company PageCommercial FinanceCommercial Finance Blog
06.09.21

A Guide on How to Start a Temporary Staffing Agency

Optimism for robust economic recovery is growing as the vaccine rollout continues creating an expectation for near-normal activity to resume during the coming summer months. With anticipated upswings in almost…
Chantal Giuliani
Using Government Contractor Financing to Bridge Cash Flow GapsCommercial FinanceCommercial Finance Blog
06.02.21

Using Government Contractor Financing to Bridge Cash Flow Gaps

The U.S. Federal Government is the world’s largest enterprise and is the single largest purchaser of goods and services in the world. The market is worth over $100 billion in sales…
Chantal Giuliani
What Is Cash Against Documents (CAD) Financing?Commercial FinanceCommercial Finance Blog
05.25.21

What Is Cash Against Documents (CAD) Financing?

Cash against document financing (CAD financing) is a method in which an importer pays for goods before receiving them. To ensure the satisfaction of the transaction from both parties, a…
Chantal Giuliani
How Invoice Factoring Can Improve Your Staffing Company Customer RelationshipsCommercial FinanceCommercial Finance Blog
05.19.21

How Invoice Factoring Can Improve Your Staffing Company Customer Relationships

“What will your customers think if your staffing company uses invoice factoring?” In today’s business environment the credit management benefits a factoring company provides are a value add for staffing…
Chantal Giuliani
How Invoice Factoring Can Improve Your Staffing Company Customer RelationshipsCommercial FinanceCommercial Finance Blog
05.12.21

Top 10 Reasons Why Staffing Companies Use Payroll Funding

As a staffing company, your core business is to source workforce talent, your next priority is to reliably make payroll on behalf of your clients to keep that talent in…
Chantal Giuliani
Top 10 Reasons Why Staffing Companies Use Payroll FundingCommercial FinanceCommercial Finance Blog
05.06.21

How to get Start-Up Financing Without a Loan

Navigating the unpredictable waters of starting a new business is challenging at best – advanced planning, preparation and good management can overcome a significant number of tests and trials that…
Chantal Giuliani
The Importance of a Notice of Assignment in FactoringCommercial FinanceCommercial Finance Blog
04.28.21

The Importance of a Notice of Assignment in Factoring

In a factoring arrangement, a Notice of Assignment (NOA) is the factoring company’s first communication with the client company’s customers. It is the starting point of an ongoing relationship between…
Chantal Giuliani
Will Your Trucking Company Get Paid? Assessing Credit RiskCommercial FinanceCommercial Finance Blog
04.19.21

What Is Invoice Factoring Without Recourse

Factoring accounts receivables to gain immediate access to working capital is a sound business decision. The process of selecting the right factoring company for your business requires proper understanding of…
Chantal Giuliani
a man and a woman shaking hands in the presence of a second man in glassesCommercial FinanceCommercial Finance Blog
04.14.21

Building Your Business

How we work with referral brokers. When companies need access to capital, they need a source that is responsive, adaptive and expedient. Since 2006, eCapital has worked with brokers in…
Chantal Giuliani
a man in suit and a woman in office wear walking down a hallCommercial FinanceCommercial Finance Blog
04.14.21

Creating Credit Heroes

How we work with bankers and financial advisors. Working with clients who are facing financial challenges is not only difficult, it can put a strain on your business relationship. When…
Chantal Giuliani
a team of corporate women having a meetingCommercial FinanceCommercial Finance Blog
04.13.21

Partners in Your Success

How we work with our clients. You’ve probably heard the popular saying, “It’s about the journey, not the destination.” Well, here at eCapital we have to disagree. When it comes…
Chantal Giuliani
Notice of Assignment factoringCommercial FinanceCommercial Finance Blog
04.08.21

DIP Financing Can Help Turn a Company Around Following Bankruptcy

Businesses in financial distress usually find that sources of new funding shrink just when they need it the most. The ability to obtain further advances from current lenders may be…
Chantal Giuliani
Four Nurses walking down a hallCommercial FinanceCommercial Finance Blog
04.01.21

Nurse Staffing Agency Financing

How do Nurse Staffing Agencies Get Funding? Running a nurse staffing company is no easy task. Even the most well-managed nurse staffing agencies find payroll, rapid growth and similar challenges…
Chantal Giuliani
Dip FinancingCommercial FinanceCommercial Finance Blog
03.11.21

Factoring for Small Business

Why Would A Small Business Use a Factoring Service? When your small or mid-sized business needs fast, flexible working capital financing, factoring companies provide needed cash flow. A small business…
anthony
Cost Per Dollar – The Real Cost of FactoringCommercial FinanceCommercial Finance Blog
02.17.21

Payroll Funding – What It Is, How It Works, and Its Advantages

What is Payroll Funding? Payroll funding, also known as payroll financing, enables a company to sell its invoices to get instant cash to fulfill its payroll needs. Payroll funding works…
anthony
How to get Start-Up Financing Without a LoanCommercial FinanceCommercial Finance Blog
02.17.21

What is Invoice Factoring?

Invoice factoring is a financial transaction and a type of debtor finance. In an invoice factoring agreement, a business sells its accounts receivable (invoice) to a third party (called a…
anthony
Door to a bank vaultCommercial FinanceCommercial Finance Blog
02.02.21

The Changing Role of the Commercial Banking System

During 2020 the government and the commercial banking system responded quickly and empathetically to provide assistance and credit with flexible terms to business customers. But this benevolence can’t be sustained. Current uncertainty…
Chantal Giuliani
How to Retreat from Small Business Loans on Good TermsCommercial FinanceCommercial Finance Blog
01.13.21

How to Retreat from Small Business Loans on Good Terms

How Do Banks Retreat From SBLs And Retain Customer Loyalty? In the words of Bob Dylan, "the times they are a changing”, again and again and again. Over the past two decades business trends and…
Chantal Giuliani
7 simple things to do to free up working capitalBlogCommercial FinanceCommercial Finance Blog
01.05.21

7 simple things to do to free up working capital

All companies should first focus on working capital management before considering any form of financial assistance. The efficient administration of inventory control, accounts receivable and accounts payable are of utmost importance. If done right, improved working…
Chantal Giuliani
The Business Funding LifecycleBlogCommercial FinanceCommercial Finance Blog
12.01.20

The Business Funding Lifecycle

David Zimmerman, Business Development Officer at eCapital Commercial Finance, has worked in commercial finance for over 20 years helping small to mid-market companies get the funding they need to thrive.…
anthony
How Do SMBs Best Manage Working Capital?BlogCommercial FinanceCommercial Finance Blog
11.24.20

How Do SMBs Best Manage Working Capital?

Commercial businesses in all industries share a common need: the ability to finance operations to keep business running smoothly and generate profit. Since the 2008 credit crisis, banks have increasingly restricted credit to small and medium-size companies in…
Chantal Giuliani
Payroll Funding – More Than a Quick FixBlogCommercial FinanceCommercial Finance Blog
09.02.20

Payroll Funding – More Than a Quick Fix

Julie Gaines, Senior Vice President, Business Development Officer at eCapital Commercial Finance, has partnered with staffing companies for over 20 years to successfully finance their business operations. In this interview,…
anthony
How to Finance Government ContractsBlogCommercial FinanceCommercial Finance Blog
08.05.20

How to Finance Government Contracts

Carol Apicella, Senior Vice President, Business Development Officer at eCapital Commercial Finance, has been helping government contractors successfully finance their business operations for over 20 years. In this interview, Carol…
anthony
Business executive surrounded by computer monitors reviews data graphs printed on paperBlogCommercial FinanceCommercial Finance Blog
06.13.20

Secure the Most Funding at the Lowest Rate

Growing a Small Business is Challenging and Finding the Right Financing is Vital for Success Small businesses are the backbone of the U.S. economy, making up 99.9% of all companies…
Corey Shelson
Four people sitting in a business meeting around a table while one person stands up and presentsBlogCommercial FinanceCommercial Finance Blog
06.13.20

5 Reasons Alternative Banking Helps Small Businesses Thrive

When seeking business financing, it is important to conduct a thorough evaluation of your business and educate yourself about the many financial options available. Here are five steps that every…
Corey Shelson
Person in a warehouse taking inventory using a tablet deviceBlogCommercial FinanceCommercial Finance Blog
06.13.20

What You Are Afraid to Ask About Inventory Financing

Supply chain finance allows a supplier to leverage an alternative lender to create cash flow on credit, secured by the invoices in accounts receivable that have not yet been paid.…
Corey Shelson
Trendy man with glasses looks into the distance thoughtfullyBlogCommercial FinanceCommercial Finance Blog
06.13.20

Top 5 Questions to Ask when Choosing a Payroll Funding Company

Choosing the right Payroll Funding company can be one of the most important decisions for your Staffing Agency. No matter the type or size of your business, covering payroll is…
Corey Shelson
Person taking notes while reviewing data graphs on a tabletBlogCommercial FinanceCommercial Finance Blog
06.13.20

Financial Solutions: Alternative Funding vs. Bank Loans

Established business owners can attest that traditional bank loans aren’t suited for every type of business or every stage of business growth. Further, Small Business Administration (SBA) business loans are…
Corey Shelson
Person writing a cheque on a wooden tableBlogCommercial FinanceCommercial Finance Blog
06.13.20

Payroll Factoring: What You Need to Know

Have you ever thought, “Can I meet my next payroll?” Making payroll can be difficult even for highly profitable businesses. Long payment terms on customer contracts or starting a large,…
Corey Shelson
Person in a warehouse using a laptop to help manage ordersBlogCommercial FinanceCommercial Finance Blog
06.12.20

Inventory Tips to Avoid Cash Flow Headaches When Tariffs Cause Pricing Volatility

When tariffs are imposed it naturally causes an increase in the costs of doing business. This cost shift causes volatility affecting the market in unexpected ways. For some industries, tariffs…
Corey Shelson
Business executive smiling in front of a white board with data graphs and post-its stuck to itBlogCommercial FinanceCommercial Finance Blog
06.12.20

Using Accounts Receivable Financing for the Liquidity

When running your business, a cash shortage can be a nightmare. You must pay bills, pay staff and order the goods that keep your business running. What can you let…
Corey Shelson
Man with glasses deep in thought while looking at a computer displayBlogCommercial FinanceCommercial Finance Blog
06.12.20

Bridging the Payroll Financing Gap with Alternative Lenders

Every business has cash obligations that it must meet. Chief among these obligations is payroll. Whether paid weekly, biweekly or monthly, payroll is a crucial cash need for most businesses…
Corey Shelson