Two years of OneAM: Co-founders Ksusha McCormick and Charlotte Ng reflect on building a smarter working capital solution for small and midsize businesses. From $4.5T in annual invoicing volume to AI-powered receivables financing, here's what they've learned and where they're headed. 

We’ve spent the last few months sitting down with business owners across the country—and one thing is clear: revenue alone doesn’t keep a business running. Cash flow does.

As payment cycles stretch and traditional financing options fall short, more operators are rethinking how they access working capital. Surprisingly, one of the most effective tools—accounts receivable financing—remains underutilized.

As 2025 comes to a close, the OneAM Founders take a moment to reflect on what this past year has meant for the company, and to say thank you to the community that has made it possible.

Why businesses may want to part ways with their factor, how they can terminate their agreement, and how modern, flexible tools such as OneAM Early Pay can offer the same cash flow benefits without the constraints.

When commercial lending tightens, even healthy and growing businesses can find themselves unexpectedly stuck. Forward-thinking businesses can pair their banking relationships with flexible, non-debt working capital tools like OneAM Early Pay to create a more resilient, diversified liquidity strategy. This empowers businesses to stay competitive without taking on new debt or disrupting the banking relationship they rely on.

When a customer informs you that you must delay sending them invoices due to a system outage, upgrade, or blackout period, the disruption to your business can be immediate. These delays can extend days' sales outstanding, delay revenue recognition, and complicate your cash forecast. Learn how OneAM and NextGen can help you stay ahead.

Behind OneAM is a shared mission: make financing simple, transparent, and built for the realities of small business. Founders Ksusha McCormick and Charlotte Ng combined two decades of experience in financial analytics, payments infrastructure, and SMB financing to create an early-pay solution that helps entrepreneurs unlock liquidity, invest in growth, and strengthen cash-flow resilience.

In an uncertain market, maintaining control over your business’s destiny is an act of grit and resilience. With the U.S. macroeconomic landscape more volatile than ever, early pay solutions have never been more critical — giving founders and SMB owners the liquidity and confidence to move forward when traditional financing options fall short.

Companies in the US energy sector have mastered extracting natural resources from challenging environments.  However, they're struggling with an equally complex challenge: extracting capital from an outdated financial system that's fundamentally misaligned with modern energy markets. 

In oil and gas, flexible terms are expected—but they can strain supplier cash flow. OneAM and NextGen Software show how early pay access and seamless B2B integration turn payment terms into a competitive edge. Win more contracts, protect vendor relationships, and boost agility—without overhauling your systems.

Smarter cash flow. Stronger negotiations.

This case study shows how a growing tech services company unlocked cash tied up in 120+ day receivables using OneAM Early Pay. Without taking on debt or giving up equity, they improved cash flow, kept control of customer relationships, and gained the flexibility to scale on their own terms.

Smart operators know the best time to solve a cash flow problem is before it becomes urgent. In volatile industries like energy, contingency cash planning gives you the flexibility to manage shortfalls without adding debt, disrupting customer payments, or locking into rigid financing. Early pay solutions help unlock the capital trapped in your receivables.

The future of business is already here and founders are responding with focus, agility, and smarter strategies. From AI tools that streamline operations to alternative financing options that protect equity, small and midsize businesses are building for scale despite today’s economic headwinds.

Big companies are extending payment terms to protect their cash, but that leaves small suppliers struggling. Delayed payroll and stalled growth shouldn’t be the cost of doing business. Early pay gives businesses the liquidity they need, when they need it. In this market, cash is queen.

The cost of capital used to depend on size and legacy. Today, it depends on data. For small and midsize suppliers, that shift opens the door to more affordable financing, not because buyers got more generous, but because the tools to assess risk got smarter.

If you’re a small or medium business (SMB) owner, you know all too well that the success of your business comes down to securing the capital needed for survival and growth.  While the cost of debt is typically clearly advertised by lenders – an annualized interest rate plus fees, the cost of equity capital is much more opaque.  

OneAM is proud to announce our new partnership with NextGen Software (NextGen), a leader in B2B technology solutions within the oil & gas industry.
Together, we’re giving businesses even more ways to unlock working capital, strengthen cash flow, and scale smarter, with the flexibility, transparency, and control they deserve. 

Discover how small businesses are using early pay solutions to unlock double-digit growth—without taking on debt or giving up equity. This blog breaks down the real math behind receivables finance and why structure matters more than just price.

Of all the decisions business owners face each day, few are more critical or more complex than how to finance growth and stability. Amid ongoing macro volatility, this piece unpacks today’s turbulent financing landscape and why non-debt solutions are becoming a smarter path to liquidity.

In Tariffs, Volatility & the Case for Early Pay, we unpack what the latest policy shifts could mean for suppliers — and why gaining control over working capital through early pay is more critical than ever.