The funding gap nobody talks about
Most operating businesses live with a structural gap. Customers pay on 60-day terms. Suppliers want 14 days. Payroll is weekly. The gap doesn’t disappear, it just gets managed. Quietly, expensively, by the operator’s own bank balance. The reality of business cash flow The gap looks the same across most industries. Customer payment cycle is measured […]
Why we say “cash out”
“Cash out” carries baggage. Pawnshops cash out personal items. Fire sales cash out inventory under duress. Plenty of lenders shy from the term because of the association. ABL doesn’t. We say cash out because business owners search for it, brokers use it, and it’s the most accurate plain-English description of what we do. What cash-out […]
Why we don’t ask “what’s the money for”
Every business owner who calls a bank gets asked the same first question. “What’s the money for?” Then comes “What’s the plan to repay?” Then “Show us the last two years.” By question three, half of them know it’s not happening. ABL asks a different first question. “What do you own?” The cash flow lender […]