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Commercial FinanceCommercial Finance Blog

Ways to Compare Staffing Factoring Companies

The staffing and recruiting industry is giant, with reported US revenues of $151.8 billion in 2019. 2020 saw a 21% decline due to the disruptions of the pandemic, but as…
Commercial FinanceCommercial Finance Blog

How to Set Up Your Staffing Agency to be Profitable

In general, temporary staffing companies run net profits ranging from 3 to 10 percent, depending on the industries served, local conditions and clients’ special service requirements. According to analysis, the…
Commercial FinanceCommercial Finance Blog

Make Payroll: Financial Solutions for Staffing Agencies

The key component to running a successful staffing company is managing financial performance — making a profit and having sufficient cash flow. Professionals need to have confidence that they will…
Commercial FinanceCommercial Finance Blog

How to Manage Your Small Business Post PPP Funding

As the business disruptions of 2020 become memory and the new challenges of a resurging economy continue to develop, small businesses are having to balance growth opportunities with limited sources…
Commercial FinanceCommercial Finance Blog

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…
Commercial FinanceCommercial Finance Blog

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…
Commercial FinanceCommercial Finance Blog

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…
Commercial FinanceCommercial Finance Blog

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…
Image of an African American Baker and a lady in glasses discussing financing options for their startupCommercial FinanceCommercial Finance Blog

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…
Building Your commercial finance broker businessCommercial FinanceCommercial Finance Blog

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…
How Staffing Agencies Hire Top Talent? | eCapital Commercial FinanceCommercial FinanceCommercial Finance Blog

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…
Time Tracking Solutions for Temporary Staffing AgenciesCommercial FinanceCommercial Finance Blog

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…
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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…
Using Government Contractor Financing to Bridge Cash Flow GapsCommercial FinanceCommercial Finance Blog

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…
What Is Cash Against Documents (CAD) Financing?Commercial FinanceCommercial Finance Blog

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…
How Invoice Factoring Can Improve Your Staffing Company Customer RelationshipsCommercial FinanceCommercial Finance Blog

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…
How Invoice Factoring Can Improve Your Staffing Company Customer RelationshipsCommercial FinanceCommercial Finance Blog

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…
Top 10 Reasons Why Staffing Companies Use Payroll FundingCommercial FinanceCommercial Finance Blog

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…
The Importance of a Notice of Assignment in FactoringCommercial FinanceCommercial Finance Blog

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…
Will Your Trucking Company Get Paid? Assessing Credit RiskCommercial FinanceCommercial Finance Blog

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…
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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…
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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…
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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…
Notice of Assignment factoringCommercial FinanceCommercial Finance Blog

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…
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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…
Dip FinancingCommercial FinanceCommercial Finance Blog

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…
Cost Per Dollar – The Real Cost of FactoringCommercial FinanceCommercial Finance Blog

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…
How to get Start-Up Financing Without a LoanCommercial FinanceCommercial Finance Blog

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…
Door to a bank vaultCommercial FinanceCommercial Finance Blog

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…
How to Retreat from Small Business Loans on Good TermsCommercial FinanceCommercial Finance Blog

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…
7 simple things to do to free up working capitalBlogCommercial FinanceCommercial Finance Blog

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…
The Business Funding LifecycleBlogCommercial FinanceCommercial Finance Blog

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.…
How Do SMBs Best Manage Working Capital?BlogCommercial FinanceCommercial Finance Blog

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…
Payroll Funding – More Than a Quick FixBlogCommercial FinanceCommercial Finance Blog

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,…
How to Finance Government ContractsBlogCommercial FinanceCommercial Finance Blog

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…
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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…
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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…
Person in a warehouse taking inventory using a tablet deviceBlogCommercial FinanceCommercial Finance Blog

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.…
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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…
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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…
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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,…
Person in a warehouse using a laptop to help manage ordersBlogCommercial FinanceCommercial Finance Blog

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…
Business executive smiling in front of a white board with data graphs and post-its stuck to itBlogCommercial FinanceCommercial Finance Blog

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…
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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…