SMB Factor Podcast
SMB Factor Podcast
Podcast Description
Real stories of grit, growth, and getting paid.
Small businesses make up nearly half of the US economy, yet too many face late payments, tight cash flow, and constant hurdles to scale. The SMB Factor brings you raw, unfiltered conversations with founders who’ve lived through it all—big wins, close calls, and the creative ways they kept their businesses moving.
If you’re building something of your own or just want to hear what it really takes to run an SMB, this show is your behind-the-scenes pass to the hustle behind the headlines.
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Podcast Insights
Content Themes
The podcast centers on themes of entrepreneurship, financial strategy, and survival tactics for small and mid-sized businesses, with episodes highlighting topics such as cash flow management, the emotional challenges of entrepreneurship, and practical insights on factoring and bank relationships, exemplified by Mariana's story of navigating her B2B company's cash flow issues and Alex's explanation of invoice factoring.
Real stories of grit, growth, and getting paid.
Small businesses make up nearly half of the US economy, yet too many face late payments, tight cash flow, and constant hurdles to scale. The SMB Factor brings you raw, unfiltered conversations with founders who’ve lived through it all—big wins, close calls, and the creative ways they kept their businesses moving.
If you’re building something of your own or just want to hear what it really takes to run an SMB, this show is your behind-the-scenes pass to the hustle behind the headlines.
Powered by Kapwork.
Michael Richardson is a self-described ”ABL nerd” who has spent 13 years falling in love with the operational side of finance. Now building a new practice at Salem Five, he is on a mission to prove that Asset-Based Lending (ABL) is not a ”dirty word” but a strategic tool for healthy, growing companies.
In this deep-dive conversation, we discuss:
Asset vs. Cash Flow: Why lending against your AR and inventory offers more flexibility than traditional term loans.
The ”Boots on the Ground” Reality: What actually happens during a field exam and why physical audits (even checking for dust on pallets) protect both the bank and the borrower.
Right-Sizing Your Relationship: How to tell if your company has outgrown its current bank and how to unlock deeper liquidity from your collateral.
The Future of ABL: Why industries like Healthcare and SaaS are the next frontier for asset-based financing.
War Stories from the Field: A cautionary tale of how ”guaranteed sales” and high returns can kill a deal.
Learn more about ABL and Salem Five: https://www.salemfive.com/
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