RMAi Blog

JUNE 9, 2025

On May 28, 2025, Oklahoma Senate Bill 626 became law without the Governor’s signature. The legislation amends Oklahoma’s data breach notification law and will go into effect January 1, 2026. The amendments include expansion of the definition of “personal information” by including, in combination with an individual’s first name or initial and last name: any required expiration date in combination with a financial account number or credit or debit card number; a unique electronic identifier or ro

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Abrigo

JUNE 12, 2025

The power and value of income estimates Income estimates can inform critical decisions, but outdated data and techniques can cost financial institutions. Key topics covered in this post: Insights from income models are as reliable as the data behind them. Key advantages of a dynamic income model Workflow integration benefits The value of income estimates Many financial institutions rely on income estimates to inform critical decisions, from loan applications to portfolio management.

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Credit and Collections Small Businesses Credit Risk 78

Credibly

JUNE 9, 2025

     What you need to know about commercial loans and financing The benefits of commercial loans for business The drawbacks of commercial loans for business Smart ways you can use commercial loans for business expansion Managing your business finances while expanding Types of commercial loans and financing for business expansion What if you’re looking for commercial startup loans?

Credit Scoring 80

Credit Scoring Small Businesses 80

Trade Credit & Liquidity Management

JUNE 9, 2025

When reviewing a company’s financial statements to determine an appropriate credit limit, there are a multitude of things to consider. Trends related to revenue, profit, and equity, for example. Reviewing the relationship between key financial factors enables you to dig into the details and have a better perspective on how a company is performing.

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Speaker: Susan Richards

Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.

Bad Debt

Collenda

JUNE 11, 2025

Insolvency in Transition: What Today’s Trends Reveal About the Financial Health of the UK Consumer By Leo Petais, Director of New Business – Insolvency, Creditor Services and Collections The story of personal insolvency in the UK goes beyond mere financial hardship. It acts as a barometer of our economic environment, consumer confidence, and the effectiveness of policy interventions.

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Bankruptcy Credit and Collections 52

Credibly

JUNE 11, 2025

  Understand why your financing application may have been denied Top 5 ways you can improve your financing application for next time Review & boost your personal and business credit scores Strengthen your cash flow Lower your debt-to-income ratio Highlight business longevity Offer collateral One rejection doesn’t mean you’re out of options Getting turned down for business financing can feel like a hard stop—but it’s usually just a detour.

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Credit Scoring Credit and Collections Small Businesses 52

Trade Credit & Liquidity Management

JUNE 11, 2025

The vulnerability of applicants, customers, and their customers to cyberattacks should be a major concern of credit executives. Cyber-risks are a core vulnerability that your counterparts in Third Party Risk Management (TPRM) and Supply Chain Management (SCM) are already tracking. You should do the same. Cyberattacks are being perpetrated on customers of all sizes and industries.

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Cybersecurity Credit and Collections Credit Risk Small Businesses 52

Sky Business Credit

JUNE 11, 2025

In the staffing world, things move fast. Clients call with last-minute needs, top candidates are gone in a heartbeat, and new contracts can pop up overnight. But one thing can slow all of that down: cash flow. If you’re waiting on client payments to cover payroll and operating costs, it’s tough to grow or even keep up. That’s where factoring comes in.

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Gaviti

JUNE 13, 2025

In the fast-paced world of finance, businesses are under constant pressure to make smarter, faster, and more accurate decisions. From managing liquidity and evaluating creditworthiness to optimizing collections and forecasting risk, finance teams rely on data to power their every move. Despite this fast pace, traditional approaches to financial management, often rule-based and reactive, are beginning to show their limitations in a dynamic global economy.

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Credit Risk Credit and Collections Accounts Receivable (AR) Bad Debt 52

Credibly

JUNE 12, 2025

 Here’s what you can do to move forward after your financing application was denied 1. Find out why your financing application was denied 2. Take a look at your business debt 3. Consider crowdfunding your business 4. Improve your finances and reapply Take control of your cash flow. Getting turned down for business financing can hit hard, especially after you’ve put in the work to get your documents in order and apply.

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Credit and Collections Credit Scoring Small Businesses 52

Trade Credit & Liquidity Management

JUNE 10, 2025

The Credit and Collections function plays a major role in your company’s ability to generate the liquidity and working capital needed to meet its sales and financial objectives. This is even more critical for supporting company growth and remaining competitive in today’s dynamic marketplace and uncertain economy. The collectability of your accounts receivable (AR) portfolio also impacts your company’s operational and financial performance as well as borrowing capacity and costs

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Collector Credit and Collections Collection Effectiveness Index AR Aging 52

Chaser

JUNE 10, 2025

Keeping a complete record of your customer communications is essential in accounts receivable—especially when multiple teams are involved in chasing, following up, or reviewing a debtor's status. For finance teams using Chaser and sales or customer teams working out of HubSpot, this used to mean switching between tools, searching through inboxes, or asking around for updates.

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Due

JUNE 11, 2025

Parents Face New Financial Responsibility Options for College Students in 2025 As 2025 approaches, parents of college-bound students are confronting new challenges in teaching financial responsibility while maintaining oversight of their children’s spending habits. The balance between granting independence and providing guidance has become a key concern for families managing tuition payments and daily expenses.

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Waystar

JUNE 11, 2025

Thousands of healthcare leaders, innovators, and forward-thinking revenue cycle professionals recently joined the inaugural Waystar Innovation Showcase , an exclusive virtual event unveiling the latest innovations in healthcare RCM. From rising denials to shifting patient expectations, providers are facing complex challenges in the healthcare revenue cycle.

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Trade Credit & Liquidity Management

JUNE 11, 2025

By Robert DiNozzi Merchant Cash Advance (MCA) agreements have become a prevalent form of alternative financing, particularly among small and distressed businesses. Marketed as sales of future receivables rather than traditional loans, these agreements allow funders to withdraw fixed daily or weekly payments directly from a business’s bank account until a predefined “purchase amount” has been satisfied.

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Credit and Collections Bankruptcy Credit Management Default 52

Chaser

JUNE 11, 2025

Last week, the Chaser team had the pleasure of attending Sage Future 2025 , and what a fantastic few days it was. Held in Atlanta, Georgia , the event brought together Sage users and partners from across the globe. With 4 ,000+ finance and accounting professionals in attendance and over 109 exhibitors showcasing the latest in software, services, and tech innovation, Sage Future was a true celebration of the Sage ecosystem and its future-facing vision.

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Biz2X

JUNE 13, 2025

Reading Time: 8 minutes Artificial intelligence is a game-changer in the lending industry. According to The Business Research Company report , the global market size of AI in lending was valued at $9.18 billion in 2024. It is expected to grow to reach $11.46 billion in 2025. Continuing at the same CAGR, the market size of AI in lending is expected to reach $29.58 billion by 2029.

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Credit Unions Credit and Collections Default Small Businesses 52

TreviPay

JUNE 13, 2025

The rules of B2B payments are changing—fast. As buyers demand seamless, consumer-like experiences and finance leaders face growing complexity, one strategy is proving essential: embedded payments. In this eBook, The Embedded Payments Advantage: Transforming B2B Payments for Growth , you’ll learn how embedded payments are becoming a competitive edge for modern enterprises—and why now is the time to act.

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Trade Credit & Liquidity Management

JUNE 12, 2025

Featured Articles Trade Credit & Liquidity Management is a reader-supported publication. To receive new posts and support our work, consider becoming a subscriber. For a limited time, annual subscriptions are half off Conversations “The culture you have in your organization is the sum of all the wanted behaviors that you celebrate, minus all the unwanted behaviors that you tolerate.” — Danny Meyer Action Items Do you like the newsletter?

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Chaser

JUNE 13, 2025

Imagine Sarah, owner of a growing online boutique, drowning in a sea of paper checks. Each week, she spent hours manually logging payments, driving to the bank, and waiting for funds to clear. Cash flow was unpredictable, hindering her ability to invest in new inventory. Then, she discovers Accounts Receivable Conversion.

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Biz2X

JUNE 13, 2025

Reading Time: 7 minutes Today, we’re all living in a lightning-fast financial world, and hence, waiting for loan decisions for days and even a few hours feel like an eternity. And this is where the instant credit decision comes in. This system is boosting the bank’s and fintech’s operations. It is basically an ability to evaluate a loan application and provide approval or denial for it immediately – and often within seconds.

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Credit and Collections Credit Scoring Default Credit Risk 40

Emagia

JUNE 10, 2025

Enterprise finance is undergoing a dramatic transformation. Generative AI has proven its worth in content creation and as a valuable assistant; however, in complex, decision-intensive processes like Order-to-Cash (O2C), the limitations of generative AI are clear. That’s where Agentic AI comes in, capable not only of assisting but also autonomously executing, learning, and optimizing outcomes.

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Trade Credit & Liquidity Management

JUNE 12, 2025

From a Press Release dated June 10, 2025, San Francisco, CA Ratio , a platform that uniquely combines embedded Buy Now, Pay Later (BNPL) with a fully integrated Quote-to-Cash system for B2B subscription businesses, has reported over 800% growth in the past year and announced the launch of its new Custom Payment Terms feature. This innovation allows sellers to tailor financing options to each buyer’s cash flow requirements while still receiving full upfront revenue, effectively removing the

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Accounting Department

JUNE 10, 2025

Financial management is the backbone of any business, enabling owners to steer toward growth, stability, and long-term success. However, as businesses evolve and financial complexities escalate, choosing the right accounting model becomes a pressing decision. Should you rely on in-house expertise or entrust an outsourced accounting service? With rapid advancements in technology, talent shortages, and the rise of remote work, this decision is even more significant as we approach 2025.

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Biz2X

JUNE 13, 2025

Reading Time: 9 minutes Small businesses are the backbone of the US economy. The Bureau of Labor Statistics reports that small businesses accounted for 55% of the total net job creation from 2013 to 2023. These small businesses depend on quick finance to sustain operations and capture growth opportunities. FDIC’s Small Business Lending Survey 2024 reveals that 87% of small firms relied on small business lending as their primary source of finance.

Credit Unions 40

Credit Unions Default Credit and Collections Credit Scoring 40

Due

JUNE 12, 2025

Federal student loan debt has reached a critical point in the United States, with approximately 5.3 million borrowers currently in default. This represents a significant portion of the estimated 42 million Americans who hold federal student loans. The default numbers highlight a growing financial crisis affecting more than one in ten borrowers of federal student loans.

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Default Credit and Collections Credit Scoring 40

Trade Credit & Liquidity Management

JUNE 12, 2025

From a Press Release dated June 9, 2025, Fort Lee, NJ Cross River Bank has launched its Request for Payment (RfP) solution, a new feature designed to enable secure, real-time inbound payments via the RTP® (Real-Time Payments) network. This innovation addresses a longstanding imbalance in money movement: while outbound payments have become nearly instantaneous, incoming payments have typically relied on slower methods like ACH and wire transfers, which are limited by batch processing and ban

Transactions 52

Transactions 52

Credibly

JUNE 12, 2025

  How to calculate your working capital What is working capital? Why it matters in ecommerce You might be facing these challenges when dealing with ecommerce working capital The top 4 ways you can effectively manage working capital for your ecommerce business Signs it’s time you should look at a loan for working capital for your online business Tap into a working capital loan for online sellers today You track sales, monitor inventory, and analyze customer orders—but how often do you check you

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Days Sales Outstanding DSO Credit and Collections Transactions 52

Biz2X

JUNE 13, 2025

Reading Time: 7 minutes Have you ever considered why banks and financial institutions often struggle to efficiently process SBA (Small Business Administration) loans despite an apparent demand from small businesses? Well, to be precise, SBA loans are a lifeline for small businesses, as they provide much-needed capital for everything from startup costs to expansion plans.

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Small Businesses 40

Chaser

JUNE 12, 2025

Late payments aren’t just frustrating—they can be genuinely damaging. They disrupt cash flow, tie up working capital, and keep finance teams stuck in reactive cycles. In fact, the average mid-sized business is owed over £300,000 in late payments at any one time (Intuit), with 87% of invoices paid after their due date (The late payment report). That’s not just admin—it’s a major threat to your financial health.

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