Angela Petulla – altLINE https://altline.sobanco.com Invoice Factoring, Accounts Receivable Financing, and Asset-Based Lending Mon, 09 Mar 2026 19:27:50 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://altline.sobanco.com/wp-content/uploads/2023/03/favicon-36x36.png Angela Petulla – altLINE https://altline.sobanco.com 32 32 How New Tariffs Will Impact Small Businesses https://altline.sobanco.com/how-tariffs-impact-small-businesses/ Tue, 18 Feb 2025 20:50:22 +0000 https://altline.sobanco.com/?p=18695 In the ever-changing tariff landscape, small businesses across the country are facing a wave of uncertainty. Tariffs have long been a tool used in trade policies to protect domestic industries, generate revenue, and create leverage in trade discussions. However, with the trade policy volatility so far in 2025, small businesses—particularly those that rely on imported […]

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]]> Interest Rates and Small Businesses: What You Need to Know https://altline.sobanco.com/interest-rates-impact-on-businesses/ Wed, 20 Mar 2024 20:27:14 +0000 https://altline.sobanco.com/?p=14691 Interest rates have been a hot topic of conversation for small businesses over the past year after the federal funds rate hit a 23-year high in July 2023. The Fed rate had then remained steady (5.25% – 5.50%) until a September 2024 decision to cut rates by a half point, a significant reduction. However, questions […]

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]]> Fuel Surcharge Calculator https://altline.sobanco.com/fuel-surcharge-calculator/ Fri, 27 Oct 2023 20:10:40 +0000 https://altline.sobanco.com/?p=13478 A fuel surcharge is the price a trucking company charges the shipper to make up for increases in fuel costs due to fluctuating diesel prices. Oftentimes, a freight company will calculate its cost to haul a load according to a baseline fuel price, but at the time the load is ready to ship, the cost […]

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]]> Cash Flow vs. Revenue https://altline.sobanco.com/cash-flow-vs-revenue/ Fri, 29 Sep 2023 20:17:51 +0000 https://altline.sobanco.com/?p=12868 Navigating the complexities of business finances can be daunting, especially for small business owners who wear multiple hats. Understanding cash flow and how it differs from revenue is critical for the financial health of your company. While the two terms may sound similar, they have different meanings, and to ensure the financial success of your […]

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]]> Transportation, Health Care Lead the Way in Employee Recruitment Growth https://altline.sobanco.com/industries-with-highest-job-growth/ Wed, 30 Aug 2023 15:09:45 +0000 https://altline.sobanco.com/?p=12409 The post Transportation, Health Care Lead the Way in Employee Recruitment Growth appeared first on altLINE.

]]> The Small Business Sector Is Alive in These Counties https://altline.sobanco.com/small-businesses-thrive-in-these-counties/ Wed, 02 Aug 2023 15:16:50 +0000 https://altline.sobanco.com/?p=11846 The post The Small Business Sector Is Alive in These Counties appeared first on altLINE.

]]> Trucking Industry Statistics and Trends for 2025 https://altline.sobanco.com/trucking-industry-statistics/ Tue, 18 Jul 2023 20:01:10 +0000 https://altline.sobanco.com/?p=11408 The trucking and freight industry is vital to the United States economy, but it has experienced large swings over the last few years due to the COVID-19 pandemic and the post-pandemic recovery. The trucking industry suffered in 2023 with the National Truckload Index experiencing consistent declines since the start of the year. Moving into 2024, […]

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]]> 10 States Where New Businesses Are Most Likely to Turn Into Employers https://altline.sobanco.com/states-where-new-businesses-turn-into-employers/ Tue, 27 Jun 2023 20:29:08 +0000 https://altline.sobanco.com/?p=11520 Monkey Business Images // Shutterstock Nearly 434,000 people applied for business applications nationwide in April 2023, according to Census Bureau data. Of them, only about 1 in 3 were deemed likely to become employers. Small businesses are the nation’s most common enterprises and employ nearly half of private workers, according to the Census Bureau. But […]

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]]> 5 Most Common Sources of Business Startup Capital https://altline.sobanco.com/most-common-sources-of-business-startup-capital/ Mon, 15 May 2023 14:21:01 +0000 https://altline.sobanco.com/?p=10909 The post 5 Most Common Sources of Business Startup Capital appeared first on altLINE.

]]> States Where Small Businesses Have the Highest Rates of Survival https://altline.sobanco.com/best-worst-small-business-survival/ Thu, 27 Apr 2023 21:03:00 +0000 https://altline.sobanco.com/?p=10501 Rido // Shutterstock If you’re thinking of starting a business, you might want to give some consideration to location. In which state would you have the best chance of success? Iowa tops the list, followed by Wisconsin, South Dakota, Kentucky, and Minnesota. And the worst? The state of Washington. The vast majority of small businesses […]

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]]> How to Write an Invoice in 7 Steps https://altline.sobanco.com/how-to-write-an-invoice/ Tue, 25 Apr 2023 20:38:30 +0000 https://altline.sobanco.com/?p=10405 Though invoices are relatively straightforward, they can look complex at first glance, compiling plenty of information. Many tasked with writing an invoice for the first time might wonder where to start. If you’re preparing to create an invoice for the first time, keep reading to gain a better understanding of invoices, including how to write […]

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]]> 2026 Small Business Revenue Statistics https://altline.sobanco.com/small-business-revenue-statistics/ Mon, 03 Apr 2023 18:23:16 +0000 https://altline.sobanco.com/?p=9994 Small businesses play a critical role in our local and global economies, but it can be difficult to make informed business decisions without having benchmarks or statistics to base your decisions on. We have put together some key small business revenue statistics to give business owners an idea of how their companies stack up against […]

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]]> New Companies Have Nearly Doubled Small Business Administration Borrowing Since 2020 https://altline.sobanco.com/sba-lending-analysis/ Thu, 30 Mar 2023 20:28:23 +0000 https://altline.sobanco.com/?p=10006 giggsy25 // Shutterstock The first two years can make or break a business. About 75% to 85% of companies typically make it through their first year. If they succeed for that long, their survival rates tend to rise with each passing year. As startups ramp up operations and start building a customer base, funding is […]

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]]> Net Working Capital and Working Capital Ratio Calculator https://altline.sobanco.com/working-capital-calculator/ Mon, 27 Mar 2023 15:23:22 +0000 https://altline.sobanco.com/?p=9964 Working capital is the money that a company has available to manage its day-to-day operations. Used to pay a business’s short-term expenses, working capital is an important metric in determining the financial health and operational efficiency of a company. To help you better understand what your net working capital and working capital ratio are, we […]

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]]> What Are My Working Capital Needs? https://altline.sobanco.com/how-much-working-capital-do-i-need/ Fri, 24 Mar 2023 14:57:19 +0000 https://altline.sobanco.com/?p=9894 As a business owner, properly managing your working capital is essential to maintaining healthy business operations and creating growth opportunities, and knowing how much working capital you need is the first step towards achieving this type of financial health. However, figuring out how much working capital you need can be tough since there are many […]

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]]> ACH Advance and Cash Flow Loan Calculator https://altline.sobanco.com/cash-flow-ach-loan-calculator/ Wed, 01 Mar 2023 17:10:36 +0000 https://altline.sobanco.com/?p=9595 An ACH advance (also referred to as a cash flow loan or ACH loan) is a type of short-term small business financing. While ACH loans can be easy to qualify for, they often come with high interest rates and lower funding amounts. To help you better understand the costs associated with a cash flow loan, […]

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]]> Merchant Cash Advance Calculator: How Much Does an MCA Really Cost? https://altline.sobanco.com/mca-calculator/ Mon, 27 Feb 2023 16:24:46 +0000 https://altline.sobanco.com/?p=9536 A merchant cash advance is a small business financing option that provides quick funding but often comes at a high cost. We’ve put together a calculator to help you better understand how long it may take to pay off an MCA and how much it may cost. How to Use the Merchant Cash Advance (MCA) […]

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]]> Payday Loans for Business Owners: What You Need to Know https://altline.sobanco.com/business-payday-loans/ Thu, 23 Feb 2023 21:33:02 +0000 https://altline.sobanco.com/?p=9504 You’ve probably heard of payday loans and want to know if businesses can also benefit from this quick financing option. While a popular alternative financing option, business payday loans come with their own set of challenges. Read on to get a better understanding of what a business payday loan is, its risks, and popular alternatives. […]

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]]> Free Invoice Template for Home Health Care Agencies and Caregivers https://altline.sobanco.com/home-health-care-invoice-template/ Tue, 31 Jan 2023 22:11:41 +0000 https://altline.sobanco.com/?p=9183 The post Free Invoice Template for Home Health Care Agencies and Caregivers appeared first on altLINE.

]]> Small Business Invoice Template https://altline.sobanco.com/small-business-invoice-template/ Mon, 09 Jan 2023 20:00:22 +0000 https://altline.sobanco.com/?p=9063 The post Small Business Invoice Template appeared first on altLINE.

]]> Invoice Due Date Calculator https://altline.sobanco.com/invoice-due-date-calculator/ Tue, 03 Jan 2023 16:51:02 +0000 https://altline.sobanco.com/?p=9019 Managing your business’ cash flow can be difficult, but knowing how long you have to pay your invoices (and how long you have to wait to be paid by your customers) can make budgeting and managing your cash flow that much easier. Use altLINE’s invoice due date calculator below to see when your invoices are […]

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]]> Invoice Factoring Calculator https://altline.sobanco.com/invoice-factoring-calculator/ Fri, 30 Dec 2022 15:07:01 +0000 https://altline.sobanco.com/?p=9007 Interested in invoice factoring but are worried about the costs associated with it? We know that the unknowns of financing can be stressful, so we’ve put together an invoice factoring calculator to help you estimate your cash advances, factoring fees, and cash due to you at the end of the factoring process. Try the calculator […]

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]]> How to Get a Small Business Loan With Bad Credit https://altline.sobanco.com/small-business-loan-with-bad-credit/ Thu, 29 Dec 2022 20:42:14 +0000 https://altline.sobanco.com/?p=8966 Starting and running a business is an exciting process. You get to be your own boss, follow your passions, and add purpose to your career. However, this enthusiasm can quickly become frustrating as you start trying to fund your business. As a new business owner or a business with bad credit, it can be difficult […]

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]]> B2B Invoice Template https://altline.sobanco.com/b2b-invoice-template/ Mon, 12 Dec 2022 20:26:18 +0000 https://altline.sobanco.com/?p=8600 The post B2B Invoice Template appeared first on altLINE.

]]> What Is Confidential Invoice Discounting? https://altline.sobanco.com/what-is-confidential-invoice-discounting/ Mon, 05 Dec 2022 21:03:15 +0000 https://altline.sobanco.com/?p=8566 If you run a startup or small business, you know how challenging it can be to manage cash flow while keeping customers happy. Thankfully, one alternative lending solution helps you stabilize cash flow: confidential invoice discounting. Confidential invoice discounting lets you access the money tied up in unpaid invoices without alerting your clients. This means […]

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]]> Professional Services Invoice Template https://altline.sobanco.com/professional-services-invoice-template/ Thu, 01 Dec 2022 19:20:14 +0000 https://altline.sobanco.com/?p=8486 The post Professional Services Invoice Template appeared first on altLINE.

]]> Janitorial and Commercial Cleaning Invoice Template https://altline.sobanco.com/commercial-cleaning-invoice-template/ Wed, 23 Nov 2022 20:48:12 +0000 https://altline.sobanco.com/?p=8463 The post Janitorial and Commercial Cleaning Invoice Template appeared first on altLINE.

]]> Security Guard Invoice Template https://altline.sobanco.com/security-guard-invoice-template/ Wed, 23 Nov 2022 16:06:37 +0000 https://altline.sobanco.com/?p=8451 The post Security Guard Invoice Template appeared first on altLINE.

]]> Staffing Agency Invoice Template https://altline.sobanco.com/staffing-agency-invoice-template/ Wed, 16 Nov 2022 22:14:35 +0000 https://altline.sobanco.com/?p=8396 The post Staffing Agency Invoice Template appeared first on altLINE.

]]> Why Do Companies Use Invoice Factoring? https://altline.sobanco.com/why-do-companies-use-invoice-factoring/ Fri, 04 Nov 2022 21:22:20 +0000 https://altline.sobanco.com/?p=8374 Invoice factoring is not a new type of financing, but it is still a new concept to many business owners. Invoice factoring is an alternative financing solution in which a company sells its outstanding invoices to a third-party “factor” (also referred to as a “factoring company“) for a discounted rate in return for a cash […]

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]]> Staffing Industry Trends & Statistics (2025) https://altline.sobanco.com/staffing-recruitment-statistics/ Thu, 27 Oct 2022 20:45:48 +0000 https://altline.sobanco.com/?p=8214 It’s no secret that America has endured a significant labor shortage since the height of the COVID-19 pandemic. While many employees that lost their jobs have been able to get back on track, the national labor outlook reveals that overall, jobseekers have had a tough time compared to pre-pandemic figures. As for the staffing industry, […]

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]]> How to Improve Cash Flow https://altline.sobanco.com/how-to-improve-cash-flow/ Fri, 07 Oct 2022 21:34:03 +0000 https://altline.sobanco.com/?p=8080 As a business owner, cash flow problems can be stressful. Paying rent, making payroll, and paying off debts all become even more taxing when your cash inflow is not as much as your expenses. To help you improve your cash flow and worry less over your payables, we have put together this list of some […]

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