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Commercial Funding Blog

Interested in learning more about invoice factoring?

Our blog is full of useful factoring information from our subject matter experts, who touch on topics such as A/R financing basics, industry trends, unique funding solutions, and how factoring impacts different markets.

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THE LATEST

An Alternative to Merchant Cash Advance

February 18, 2026
TL;DR While merchant cash advances provide quick cash, their high costs and frequent repayment requirements can create long-term cash flow challenges. Accounts receivable financing (factoring) offers a more sustainable alternative by converting...
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James Baugh

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.

Recent Posts

Comparing Invoice Factoring to Asset Based Lending

January 27, 2025
TL;DR Two businesses may have the same working capital challenge yet require completely different financing solutions. Factors such as company maturity, collateral, reporting capabilities, and funding needs often determine whether factoring or...
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Asset-Based Loans: An Attractive Financing Option for Manufacturing Companies

August 20, 2024
TL;DR Manufacturing companies face unique financing challenges because large amounts of capital are often tied up in assets long before revenue is collected. Understanding how those assets can influence borrowing options may uncover opportunities to...
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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...
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Is Invoice Factoring Right for Your Business?

January 10, 2023
TL;DR Invoice factoring is often a strong fit for B2B companies that invoice customers, accept ACH/check payments, and experience payment terms of up to 90 days.
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What to Know About Switching Factoring Companies

October 20, 2022
TL;DR Businesses considering a new factoring partner should review contract terms early, compare service levels, and plan ahead to ensure a smooth transition.
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What is Invoice Factoring?

August 9, 2022
TL;DR Invoice factoring allows businesses to convert unpaid invoices into immediate working capital, helping improve cash flow without taking on debt Are you tired of waiting 30, 60, or 90+ days to get paid for your invoices? You’re not alone....
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Five Facts About Invoice Factoring

May 20, 2021
TL;DR Invoice factoring is a simple, non-debt funding solution that improves cash flow, scales with business growth, and relies more on customer creditworthiness than the company’s credit history Invoice factoring is just one tool a company can...
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Financing Alternatives to Small Business Loans

February 11, 2020
TL;DR When traditional bank loans are unavailable, accounts receivable financing can provide fast, flexible access to working capital without increasing debt.
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Debtor Concentration's Impact on Accounts Receivable Financing

September 17, 2019
TL;DR Even businesses with one major customer can qualify for accounts receivable financing if that customer has strong credit and payment history
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How to Improve Cash Flow

June 27, 2019
TL;DR Businesses can strengthen cash flow by accelerating receivable collections, improving cash management practices, and utilizing financing solutions such as invoice factoring.
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8 Reasons To Consider AR Financing To Help With Cash Flow

April 23, 2019
TL;DR Accounts receivable financing helps businesses get paid faster, improve cash flow, access scalable funding, and grow without taking on additional debt.
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Small Business Financing Options

January 23, 2019
TL; DR Comparing financing solutions such as bank loans, independent lenders, invoice factoring, and other alternatives can help businesses find the best source of working capital for their needs.
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