Our Blog

Straight talk, advice, tips and insights.

What is Payroll Funding?Commercial 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
Commercial 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
Commercial 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…
Alma Bailey
Commercial 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…
Alma Bailey
BlogCommercial 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…
Alma Bailey
BlogCommercial 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
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…
Alma Bailey
BlogCommercial 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
BlogCommercial 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