Automotive’s New Gear: Driving Through Delinquencies and Disruption

DONNA DELAROSABlog

Once upon a time, automakers worried about horsepower. Now? It’s cash flow power. In 2025, the auto industry isn’t just battling electric transitions and supply chain turbulence — it’s navigating a financing slowdown that’s stalling engines across the board. And for many OEMs and dealerships, it’s not inventory or interest rates that hurt the most. It’s late payments. The Cash …

When 5.7% Isn’t Just Dust: The Quiet Delinquency Boom in U.S. Mining

DONNA DELAROSABlog

The Bedrock Is Shifting For decades, mining has been the economic backbone of regions across the U.S. — a sector known for its grit, capital intensity, and strategic importance. From copper that powers EVs to rare earths critical for semiconductors, mining has always felt essential. And when something feels essential, financial risk tends to get underestimated. But lately, the numbers …