The Future of Business Is Already Here

By: Ksusha McCormick and Charlotte Ng, Founders, OneAM
Published Thursday, June 6, 2025 | Estimated read time: 3 min

The most illuminating and gratifying part of this journey has been working with and hearing from small and midsize business owners, learning about their wins, their challenges, and what’s driving them forward. These founders and operators span industries, but they share a common thread: a relentless focus on growth and a willingness to explore new tools and strategies that can help them get there faster and smarter. 

In this moment, with technology evolving rapidly and traditional financing under pressure, the decisions you make today will shape the future of your business. Here's what we’re seeing, and how we're helping businesses stay ahead. 

Win: AI efficiency tools make it easier than ever to start and run a business.  

Like any disruptive technology, AI is lowering the costs and barriers to running a business, and it’s having a transformative effect on productivity. Rather than default to hiring large teams, which requires substantial financial capital and management resources, businesses can leverage the plethora of tools available to automate workflows in functions like customer support, marketing and sales, data analytics, finance and operations, content creation, security and fraud detection, and software development. This allows human talent to focus on higher-order thinking, decision-making, and relationship-building to move the business forward.  

At OneAM, we are fully embracing this sea change, both in how we operate our business and to power our infrastructure, which enables sophisticated, quantitative capital providers to price a high volume of risk programmatically and efficiently. We’re able to pass the benefits to our customers by extending more competitive financing terms in a flexible structure.  

Challenge: High financing costs aren’t going anywhere. 

With interest rates staying elevated, taking on debt burdens a business with high interest expense. It puts the business at the mercy of lenders, who can put a blanket lien on their assets and impose restrictive covenants that limit the business’ options. The numerous fees involved in borrowing raise the all-in cost of financing beyond the headline rates. If a business owner wants to sell the company or take it public, high leverage may make an exit more difficult.  

For startups looking to raise equity, venture capital is difficult to obtain because that industry is going through a difficult stretch. After the market peak of 2021, the VC bubble is still deflating, with clear winners and losers emerging. Small VCs are struggling to raise new funds while the large funds are focused on wildly ambitious ideas requiring rocket-fueled growth that’s extremely difficult to achieve. Faced with high risk premiums and diminished strategic control, startup founders who may have hoped to tap VC for their equity raise are increasingly forced to look elsewhere. 

So what’s the solution? Designed in a smart way, receivables finance can be a more flexible capital source than either debt or equity. By unlocking cash from accounts receivables, businesses can focus on growth without taking on additional debt or embarking on a lengthy and dilutive equity raise. At OneAM, we’re working with these businesses every day, helping them obtain fast, flexible, and reasonably priced financing. With our easy onboarding process, intuitive user experience, and underlying infrastructure connecting to a network of sophisticated capital providers, we give businesses unprecedented flexibility and control over their destiny.  

Learn more on our website and schedule a demo at info@oneam.us.