The Staffing Industry’s Working Capital Problem and the Lending Opportunity It Creates
Key Takeaways: Staffing agencies pay placed workers weekly or biweekly while client companies pay invoices on net-30 to net-90 terms. That timing gap repeats every week across every client account. According to the Bureau of Labor Statistics, temporary help services employment tracks closely with broader employment conditions, making staffing agencies a persistent and embedded part... Read More →
How AR Financing Reduces Commercial Real Estate Concentration in Community Bank Portfolios
Key Takeaways: According to the FDIC’s 2025 Risk Review, roughly 31% of all U.S. banks were classified as CRE-concentrated at year-end 2024, meeting or exceeding the regulatory thresholds that trigger heightened supervisory scrutiny. CRE concentration has been linked to bank failures and asset quality problems across multiple economic cycles, and regulators have continued to emphasize... Read More →
How Community Banks Can Generate Fee Income Without Adding Operational Complexity
Key Takeaways: Community bank net interest margin remained below its pre-pandemic average through 2024, finishing the year at 3.44%, compared to a pre-pandemic average of 3.63%, according to FDIC data. Non-interest income has become a more important contributor to overall profitability as margin compression persists. AR financing programs generate recurring fee income on every... Read More →
The Case for Offering AR Financing Before Your Commercial Clients Find It Elsewhere
Key Takeaways: 24% of small businesses sought financing through an online lender in 2024, up from prior years, driven by speed, perceived approval likelihood, and lack of collateral requirements. Many of those applicants had an existing bank relationship. Online lenders consistently receive the lowest satisfaction scores in the Federal Reserve’s annual Small Business Credit Survey.... Read More →
The Transportation Sector’s Working Capital Problem and the Lending Opportunity It Creates
Key Takeaways: Truck transportation employs 1.6 million workers and accounts for 24% of all transportation and warehousing jobs in the U.S., according to the Bureau of Labor Statistics. Behind that workforce is a large base of small and mid-sized carriers with a persistent, structural cash flow problem. Trucking companies complete deliveries and then wait 30... Read More →
Texas Bankers Association Endorses Capstone Banktech
The Texas Bankers Association Services Company, Inc., (TBASCO) has announced its endorsement of Capstone Banktech, a leading provider of accounts receivable lending technology and support services for community banks and lending institutions. The endorsement gives TBA members access to CapitalExpress, Capstone Banktech’s proprietary, end-to-end AR lending management platform, enabling community banks to launch and manage... Read More →
The Energy Sector: Why Oil and Gas Services Companies Are a Prime Market for AR Financing
Key Takeaways: U.S. crude oil production set a new annual record in 2025 at 13.6 million barrels per day, driven by continued activity in the Permian Basin, Eagle Ford, and Bakken regions. That production volume supports a large and active ecosystem of oilfield services companies that operate on extended payment cycles. Oilfield services companies routinely... Read More →
Poor Cash Flow Is Your Small Business Customers’ Biggest Risk
Key Takeaways: More than half of small businesses — 56% — cite paying operating expenses as a financial challenge, and 51% report struggling with uneven cash flow, according to the Federal Reserve’s 2024 Small Business Credit Survey. A profitable business can still fail if the timing between money going out and money coming in is... Read More →
SMB Lending: Opportunities for Community Banks
Key Takeaways: Small business lending needs follow a predictable lifecycle, and community banks that understand this progression can position themselves to capture more of each stage. Community banks approve small business loans at higher rates than large national banks, and their relationship-based underwriting is a structural advantage that automated systems can’t replicate. AR financing programs... Read More →
Top Industries for Accounts Receivable Financing in 2026
The demand for accounts receivable financing and invoice-based working capital solutions continues to grow across the U.S. economy. According to market research data, the global AR financing market was valued at approximately $164 billion in 2025 and is projected to reach $250 billion by 2029, growing at an 11.1% compound annual growth rate. North America... Read More →