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... 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... 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... 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... 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... 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... 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... Read More →
U.S. Manufacturing Sector Analysis: Lending Opportunities in 2026
The U.S. manufacturing sector, which accounts for approximately 10% of GDP according to the Bureau of Economic Analysis, is projected to experience modest but positive growth in 2026 following recent global contraction. This analysis examines key trends, regional growth patterns,... Read More →
SMB Expansion and C&I Lending Opportunities: Strategic Analysis Through 2030
The U.S. small and medium-sized business sector has experienced substantial expansion since 2019, with significant implications for commercial lending portfolios. SMBs—defined as firms with fewer than 500 employees—have grown from approximately 30.7 million in 2019 to over 36 million by... Read More →