Blog | Commercial Funding Inc.

An Alternative to Merchant Cash Advance

February 18, 2026

Many businesses have cash flow challenges and could significantly improve their operations if they could improve their access to cash. In its simplest form, positive cash flow is a basic equation:

James Baugh

James Baugh joined Commercial Funding in Feb 2020. He started his career in commercial lending with Washington Mutual going through their commercial lender trainee program. During his bank, asset based lending, and factoring career he has held numerous positions in sales, operations, underwriting, and credit management. Prior to joining the company he spent 11 years at Summit Financial Resources where he was the Chief Credit Officer. James earned his Bachelors of Science Degree in Business Management from Southern Utah University.

Comparing Invoice Factoring to Asset Based Lending

January 27, 2025

A loan from your bank may be a funding solution for well-established companies with consistent revenue streams but what about companies that operate cyclically? Or companies that need quick access to inventory or raw materials and can’t afford to...

Asset-Based Loans: An Attractive Financing Option for Manufacturing Companies

August 20, 2024

In the world of business financing, asset-based loans (ABLs) stand out as a great option for companies seeking to leverage assets for growth and stability. These loans, secured by collateral such as accounts receivable, inventory, real estate, and...

Q & A: Financial Challenges For Companies Servicing The Oil and Gas Industry

July 9, 2024

With the ebbs and flows of the oil and gas industry, it is important to have a reliable financial partner. We sat down with Commercial Funding Inc. (CFI) regional sales managers to explore the economic and financial challenges oil and gas companies...

Is Invoice Factoring Right for Your Business?

January 10, 2023

Invoice factoring is a great way to improve cash flow without incurring additional debt. But how do you determine if factoring is right for your business? The questions below will help you make this determination.

What to Know About Switching Factoring Companies

October 20, 2022

If your company is a business-to-business (B2B) company that factors your invoices, you already know the benefits invoice factoring provides for your business. But while numerous companies offer invoice factoring, not all factoring companies are the...

What is Invoice Factoring?

August 9, 2022

Are you tired of waiting 30, 60, or 90+ days to get paid for your invoices? You’re not alone. Many business-to-business (B2B) companies struggle with cash flow issues resulting from delays in invoice payment.

Five Facts About Invoice Factoring

May 20, 2021

Invoice factoring is just one tool a company can use to improve cash flow. But many people don’t understand how truly simple it is and how it works.

Financing Alternatives to Small Business Loans

February 11, 2020

Find the Best Financing Options for Your Small Business.

Debtor Concentration's Impact on Accounts Receivable Financing

September 17, 2019

What is Debtor Concentration? Debtor concentration refers to the percentage amount of accounts receivable owed by a single debtor, or customer. If you do business with only one customer, your debtor concentration is 100%. If a single debtor...

How to Improve Cash Flow

June 27, 2019

What is cash flow? Cash flow is the amount of money that moves in and out of a business. The money coming in is earned by the products or services sold. The process includes the collection of accounts receivables from customers that did not pay at...

8 Reasons To Consider AR Financing To Help With Cash Flow

April 23, 2019

According to a study in 2017, 82% of small businesses fail due to cash flow problems. There are many aspects of cash flow management, but one of the best, and easiest ways to improve cash flow is to factor your receivables. Factoring is one form of...

Small Business Financing Options

January 23, 2019

There are many ways to get cash to run a business, and each method has associated benefits and pitfalls. The key to determining the best option for your business, is to look at the various options, determine the specific needs for your business and...

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