---
title: Three Ongoing Business Challenges for 2014
description: Improving cash flow without having to add a burden of debt is a proven way of financing operational expenses and helping with company growth.
image: https://www.bayviewfunding.com/hs-fs/file-846592676-jpg/images/Bay_View_blog_5.21.jpg
---

[![Submit a Payment](https://no-cache.hubspot.com/cta/default/211725/2836a4c1-908b-4584-8956-c2dfd9109628.png)](https://cta-redirect.hubspot.com/cta/redirect/211725/2836a4c1-908b-4584-8956-c2dfd9109628)   [Client Login](https://bayviewfunding.profitstars.com/) [Contact Us](https://www.bayviewfunding.com/contact) [(888) 229-9993](tel:888-229-9993)

[![Bay View Funding Logo](https://www.bayviewfunding.com/hs-fs/file-433076702-png/images/logo-2.png?width=335&height=90&name=logo-2.png "Bay View Funding Logo")](https://www.bayviewfunding.com/)

Fast invoice factoring and reliable service since 1985

[Se Habla Español](https://sites.bayviewfunding.com/prestamos-para-negocios)

# Bay View Funding Blog

## [Three Ongoing Business Challenges for 2014](https://www.bayviewfunding.com/blog/three-ongoing-business-challenges-for-2014)

Posted by [Gil Oliva](https://www.bayviewfunding.com/blog/author/gil-oliva) on Wed, May 21, 2014 @ 07:52 AM

### As we near the halfway point of 2014, it is a good time to take a look at some of the big challenges small businesses continue to face.

![Cash flow challenges ](https://www.bayviewfunding.com/hs-fs/file-846592676-jpg/images/Bay_View_blog_5.21.jpg "Cash flow challenges ")In an article addressing [key issues small businesses will face in 2014](http://online.wsj.com/news/articles/SB10001424052702304773104579270572063381470), Angus Loten and Sarah E Needleman look at three big challenges for 2014 and beyond. In summary, they discuss the following:

1. Accessing Capital

Although tight credit markets are beginning to loosen up, many small business owners are still subsidizing their businesses with personal assets. There is still a tight hold on the ability to access a loan from the bank unless you can check all the relevant boxes. However, a popular new way of businesses seeking small dollar investors online is through [crowdfunding](http://www.wikipedia.org/wiki/Comparison_of_crowd_funding_services), an innovative approach to creating a source of growth capital for smaller businesses.

1. Concerns over Health-Care

Small businesses continue to be concerned with the prospect of higher premiums from health insurance companies. With the new law that all Americans must carry health insurance, or face a penalty, more uninsured workers are taking advantage of their employers’ healthcare plans, which in turn, boosts the overall cost of the plans. There is hope that once the technical glitches in the government’s online marketplace for coverage for Small Business Health Options Program (SHOP) are overcome, more small businesses will eventually have access, encouraging more competition, and lowering the premiums. However small businesses with 50 or fewer workers will be unable to apply until November of this year at the earliest.

1. Taxes, Subsidies and Federal Policies

Long-term commitments are harder for small businesses when it comes to hiring and spending plans due to uncertainty over taxes, subsidies and federal policies. While there has been resolution on some of the issues addressed in the article, there is still caution and concern over future dips in the economy.

[The economic future is slowly improving](https://www.bayviewfunding.com/blog/how-bright-is-the-economic-future-for-small-businesses#U3vyG7knKUk) for small businesses, and while they still have to navigate through the choppy waters of economic recovery, there are alternative ways to put their money to work, and it is based around [invoice factoring](https://www.bayviewfunding.com/faq). Selling accounts receivables to an [invoice factoring company](https://www.bayviewfunding.com) in return for immediate working capital is becoming a popular financing tool for all sizes of company. Improving cash flow without having to add a burden of debt is a proven and widely accepted way of financing operational expenses and helping with company growth.

[![Bay View Funding Number ](https://no-cache.hubspot.com/cta/default/211725/25101af1-7fbe-4342-8ce9-8261abea73a3.png)](https://cta-redirect.hubspot.com/cta/redirect/211725/25101af1-7fbe-4342-8ce9-8261abea73a3)

 Topics: [Cash Flow Solution](https://www.bayviewfunding.com/blog/topic/cash-flow-solution), [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring)

### Subscribe by Email

### Posts by Topic

- [About Invoice Factoring (157)](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring)
- [Financing Government Contractors (100)](https://www.bayviewfunding.com/blog/topic/financing-government-contractors)
- [Cash Flow (59)](https://www.bayviewfunding.com/blog/topic/cash-flow)
- [Cash Flow Solution (48)](https://www.bayviewfunding.com/blog/topic/cash-flow-solution)
- [Alternative Financing (42)](https://www.bayviewfunding.com/blog/topic/alternative-financing)
- [Business Growth (34)](https://www.bayviewfunding.com/blog/topic/business-growth)
- [Invoice factoring (29)](https://www.bayviewfunding.com/blog/topic/invoice-factoring)
- [Cash Flow management (19)](https://www.bayviewfunding.com/blog/topic/cash-flow-management)
- [The Benefits of Invoice Factoring (19)](https://www.bayviewfunding.com/blog/topic/the-benefits-of-invoice-factoring)
- [Factoring Accounts Receivable (17)](https://www.bayviewfunding.com/blog/topic/factoring-accounts-receivable)
- [Manufacturing and Distribution Financing (16)](https://www.bayviewfunding.com/blog/topic/manufacturing-and-distribution-financing)
- [Cash Advance (15)](https://www.bayviewfunding.com/blog/topic/cash-advance)
- [Temporary Staffing Agency Financing (15)](https://www.bayviewfunding.com/blog/topic/temporary-staffing-agency-financing)
- [How to Grow Your Business (14)](https://www.bayviewfunding.com/blog/topic/how-to-grow-your-business)
- [Trucking Factoring (14)](https://www.bayviewfunding.com/blog/topic/trucking-factoring)
- [Payroll Advance Program for Staffing Agencies (13)](https://www.bayviewfunding.com/blog/topic/payroll-advance-program-for-staffing-agencies)
- [Freight Factoring for Trucking Companies (12)](https://www.bayviewfunding.com/blog/topic/freight-factoring-for-trucking-companies)
- [Staffing Industry (12)](https://www.bayviewfunding.com/blog/topic/staffing-industry)
- [Factoring Companies (11)](https://www.bayviewfunding.com/blog/topic/factoring-companies)
- [Payroll Funding for Staffing Companies (11)](https://www.bayviewfunding.com/blog/topic/payroll-funding-for-staffing-companies)
- [Commercial Financing (10)](https://www.bayviewfunding.com/blog/topic/commercial-financing)
- [Business Financing (9)](https://www.bayviewfunding.com/blog/topic/business-financing)
- [Working Capital (9)](https://www.bayviewfunding.com/blog/topic/working-capital)
- [Accounts Receivable Management (8)](https://www.bayviewfunding.com/blog/topic/accounts-receivable-management)
- [Government Contract Financing (8)](https://www.bayviewfunding.com/blog/topic/government-contract-financing)
- [Small business loan (8)](https://www.bayviewfunding.com/blog/topic/small-business-loan)
- [Factoring Receivables (6)](https://www.bayviewfunding.com/blog/topic/factoring-receivables)
- [Financing for the Oil and Gas industry (6)](https://www.bayviewfunding.com/blog/topic/financing-for-the-oil-and-gas-industry)
- [Trucking Industry (6)](https://www.bayviewfunding.com/blog/topic/trucking-industry)
- [Business Finance Solutions (5)](https://www.bayviewfunding.com/blog/topic/business-finance-solutions)
- [Financial goals (5)](https://www.bayviewfunding.com/blog/topic/financial-goals)
- [Fuel Cards for Trucking Companies (5)](https://www.bayviewfunding.com/blog/topic/fuel-cards-for-trucking-companies)
- [Small Business (5)](https://www.bayviewfunding.com/blog/topic/small-business)
- [Small business financing (5)](https://www.bayviewfunding.com/blog/topic/small-business-financing)
- [Accounts Receivable Collection (4)](https://www.bayviewfunding.com/blog/topic/accounts-receivable-collection)
- [Bay Area Community Involvement (4)](https://www.bayviewfunding.com/blog/topic/bay-area-community-involvement)
- [Business Loan (4)](https://www.bayviewfunding.com/blog/topic/business-loan)
- [Fuel Advance Factoring for Trucking Companies (4)](https://www.bayviewfunding.com/blog/topic/fuel-advance-factoring-for-trucking-companies)
- [Purchase Order Financing (4)](https://www.bayviewfunding.com/blog/topic/purchase-order-financing)
- [Solving Cash Flow Problems (4)](https://www.bayviewfunding.com/blog/topic/solving-cash-flow-problems)
- [Cash for Copies Program for Trucking (3)](https://www.bayviewfunding.com/blog/topic/cash-for-copies-program-for-trucking)
- [Distribution Financing (3)](https://www.bayviewfunding.com/blog/topic/distribution-financing)
- [Freight Factoring for Trucking (3)](https://www.bayviewfunding.com/blog/topic/freight-factoring-for-trucking)
- [Invoice Factoring Costs (3)](https://www.bayviewfunding.com/blog/topic/invoice-factoring-costs)
- [Transportation Factoring (3)](https://www.bayviewfunding.com/blog/topic/transportation-factoring)
- [Wholesale financing (3)](https://www.bayviewfunding.com/blog/topic/wholesale-financing)
- [American Cancer Society (2)](https://www.bayviewfunding.com/blog/topic/american-cancer-society)
- [Business Forecasts (2)](https://www.bayviewfunding.com/blog/topic/business-forecasts)
- [Cash Flow Metrics (2)](https://www.bayviewfunding.com/blog/topic/cash-flow-metrics)
- [Cash reserves (2)](https://www.bayviewfunding.com/blog/topic/cash-reserves)
- [Credit cards (2)](https://www.bayviewfunding.com/blog/topic/credit-cards)
- [FAQ (2)](https://www.bayviewfunding.com/blog/topic/faq)
- [Factoring Brokers (2)](https://www.bayviewfunding.com/blog/topic/factoring-brokers)
- [Financing Payroll (2)](https://www.bayviewfunding.com/blog/topic/financing-payroll)
- [Freight Bill Factoring (2)](https://www.bayviewfunding.com/blog/topic/freight-bill-factoring)
- [Invoice collection (2)](https://www.bayviewfunding.com/blog/topic/invoice-collection)
- [Merchant Card Advance (2)](https://www.bayviewfunding.com/blog/topic/merchant-card-advance)
- [Start up funding (2)](https://www.bayviewfunding.com/blog/topic/start-up-funding)
- [Tax lien (2)](https://www.bayviewfunding.com/blog/topic/tax-lien)
- [Trends (2)](https://www.bayviewfunding.com/blog/topic/trends)
- [Truckers (2)](https://www.bayviewfunding.com/blog/topic/truckers)
- [Wholesaler distribution (2)](https://www.bayviewfunding.com/blog/topic/wholesaler-distribution)
- [Women owned businesses (2)](https://www.bayviewfunding.com/blog/topic/women-owned-businesses)
- [commercial funding (2)](https://www.bayviewfunding.com/blog/topic/commercial-funding)
- [factoring freight (2)](https://www.bayviewfunding.com/blog/topic/factoring-freight)
- [recourse and non-recourse factoring (2)](https://www.bayviewfunding.com/blog/topic/recourse-and-non-recourse-factoring)
- [American Staffing Association (1)](https://www.bayviewfunding.com/blog/topic/american-staffing-association)
- [Business Equipment Financing (1)](https://www.bayviewfunding.com/blog/topic/business-equipment-financing)
- [Cash Crunch (1)](https://www.bayviewfunding.com/blog/topic/cash-crunch)
- [Client Center (1)](https://www.bayviewfunding.com/blog/topic/client-center)
- [Client Relationships (1)](https://www.bayviewfunding.com/blog/topic/client-relationships)
- [Collection Agency (1)](https://www.bayviewfunding.com/blog/topic/collection-agency)
- [Contract Manufacturing (1)](https://www.bayviewfunding.com/blog/topic/contract-manufacturing)
- [Credit Application (1)](https://www.bayviewfunding.com/blog/topic/credit-application)
- [Credit History (1)](https://www.bayviewfunding.com/blog/topic/credit-history)
- [Cyber security (1)](https://www.bayviewfunding.com/blog/topic/cyber-security)
- [Digital trends and technologies (1)](https://www.bayviewfunding.com/blog/topic/digital-trends-and-technologies)
- [EBITDA (1)](https://www.bayviewfunding.com/blog/topic/ebitda)
- [EMV Chip card (1)](https://www.bayviewfunding.com/blog/topic/emv-chip-card)
- [Factoring Facilities (1)](https://www.bayviewfunding.com/blog/topic/factoring-facilities)
- [Government grants (1)](https://www.bayviewfunding.com/blog/topic/government-grants)
- [Manufacturing financing (1)](https://www.bayviewfunding.com/blog/topic/manufacturing-financing)
- [Merchant Cash Advance (1)](https://www.bayviewfunding.com/blog/topic/merchant-cash-advance)
- [Relay for life (1)](https://www.bayviewfunding.com/blog/topic/relay-for-life)
- [Temporary Employment (1)](https://www.bayviewfunding.com/blog/topic/temporary-employment)
- [Types of Invoice Factoring (1)](https://www.bayviewfunding.com/blog/topic/types-of-invoice-factoring)
- [Veteran owned business (1)](https://www.bayviewfunding.com/blog/topic/veteran-owned-business)
- [Whoelsale Financing (1)](https://www.bayviewfunding.com/blog/topic/whoelsale-financing)
- [entrepreneurs (1)](https://www.bayviewfunding.com/blog/topic/entrepreneurs)
- [payroll financing for staffing (1)](https://www.bayviewfunding.com/blog/topic/payroll-financing-for-staffing)
- [what is invoice factoring? (1)](https://www.bayviewfunding.com/blog/topic/what-is-invoice-factoring)

[see all](https://www.bayviewfunding.com/blog/three-ongoing-business-challenges-for-2014#)

### Share

[![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fwww.bayviewfunding.com%2Fblog%2Fthree-ongoing-business-challenges-for-2014%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.bayviewfunding.com%2Fblog%2Fthree-ongoing-business-challenges-for-2014%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fwww.bayviewfunding.com%2Fblog%2Fthree-ongoing-business-challenges-for-2014%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fwww.bayviewfunding.com%2Fblog%2Fthree-ongoing-business-challenges-for-2014%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Three%20Ongoing%20Business%20Challenges%20for%202014) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fwww.bayviewfunding.com%2Fblog%2Fthree-ongoing-business-challenges-for-2014%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fwww.bayviewfunding.com%2Fblog%2Fthree-ongoing-business-challenges-for-2014%3Futm_medium%3Dsocial%26utm_source%3Demail)

### Follow Us!

Copyright © Bay View Funding. All Rights Reserved.  
All California loans made or arranged pursuant to a California Finance Lenders Law License 603 8709

[Invoice Factoring Application](https://sites.bayviewfunding.com/apply-for-cash) / [Contact Us](https://sites.bayviewfunding.com/contact) / [Privacy Statement](https://www.bayviewfunding.com/privacy-statement)