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Phil Cohen

About Phil Cohen

Phil is the owner of PRN Funding and sister company Factor Finders. He has been an authority in the factoring industry for over 20 years, serving on the board of directors for several factoring associations.

Posts by Phil Cohen:

Why Growing Businesses Hit Cash Flow Walls

Growing businesses hit cash flow walls when expenses scale faster than usable cash, even while revenue and demand increase.This moment often feels confusing and frustrating. Sales are strong, opportunities are ...

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How to Stabilize Cash Flow When Customers Pay Late

Businesses stabilize cash flow when customers pay late by removing dependence on payment timing and building systems that protect operations regardless of delays. Late payments are common in B2B environments, ...

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What Causes Cash Flow Gaps in B2B Businesses (and How to Fix Them)

Cash flow gaps in B2B businesses are caused by timing mismatches between when expenses are due and when customer payments arrive.These gaps are common, predictable, and often misunderstood. Even profitable ...

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How Staffing Agencies Can Scale Placements Without Increasing Cash Risk

Staffing agencies can scale placements safely only when cash flow risk is managed at the same pace as growth.Many agencies increase placements successfully but discover that payroll risk, cash strain, ...

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The Real Cost of Funding Staffing Payroll With Credit Cards and Short-Term Loans

Using credit cards and short-term loans to fund staffing payroll often feels convenient, but it quietly increases cost, risk, and long-term cash flow instability.Many staffing agencies turn to these tools ...

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What Happens When a Staffing Client Pays Late (and How to Protect Payroll)

When a staffing client pays late, payroll risk increases immediately because employee wages must be paid regardless of when client cash arrives.Late payments are not unusual in staffing, but their ...

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How to Forecast Payroll Cash Needs in a Growing Staffing Agency

Forecasting payroll cash needs allows staffing agencies to grow without being surprised by payroll shortfalls.As placements increase, payroll obligations change weekly, while client payments remain delayed. Without a forward-looking payroll ...

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Why Staffing Agencies Struggle With Cash Flow Even When Sales Are Strong

Staffing agencies often struggle with cash flow not because sales are weak, but because payroll timing and client payment terms are fundamentally misaligned.It’s common for staffing firms to show strong ...

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How Long Payment Terms Quietly Kill Small Business Growth

Long payment terms don’t hurt small businesses all at once — they slowly restrict growth by starving operations of cash.Net 30, Net 45, and Net 60 terms are often treated ...

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