What is going on with the Supply Chain?

The Supply Chain 2022

Assuming something truly crazy doesn’t happen (like another February 2021 polar vortex), Q2 of 2022, we should see an ease in the supply chain.

The Shortage at Grocery Stores

Since the onset of the COVID-19 pandemic, grocery store sales (adjusted for inflation) have averaged ~12% above their 2018 levels, which is a very sharp increase.

Inventories haven’t kept up with sales. This can be seen in the ratio of inventories to sales for food and beverage stores (grocery stores are the largest subset of these stores, unfortunately data on monthly retail inventories is not reported by the Census Bureau). Since the onset of the pandemic, the ratio of inventories to sales has fallen from ~0.79 to ~0.73, which represents a 7.6% decline (which is very substantial over a short period). This means grocery stores are turning their inventories substantially faster than before.

fresh produce in grocery store

Retail Inventory/ Sales Ratios

Since March 2021 we have seen a sharp drop in the employment by grocery stores. Right now, despite inflation-adjusted sales being up ~12% from 2018 levels, employment is up only 2%. This makes it far harder to keep the shelves stocked.

While production of food was a more serious cause of shortages in 2020, the most recent data for production of food does raise some concerns due to the strong downward trend in the seasonally adjusted data since the middle of the summer.

Supply Chain graphic

Industrial Production – Major Appliances – 2022

Regarding large appliances, the biggest issue is strong demand. Industrial production last month was ~11.8% above September 2019 levels, but demand has outstripped this output.

Equipment Financing – Allows Your Business to Conserve Working Capital

Did you purchase equipment 2021? Section 179 write off.

All businesses that purchase, finance, and/or lease new or used business equipment during tax year 2021 should qualify for the Section 179 Deduction …

Section 179 End of Year Equipment Tax Deduction

The Section 179 deduction limit for 2021 is $1,050,000. This means your company can deduct the full cost of qualifying equipment (new or used), up to $1,050,000, from your 2021 taxable income.

Why Finance Your Equipment

Equipment financing will help conserve working capital and allow your company to invest in capital equipment, replace outside cost and reduce employee size.

cash flow

A Big Business Starts Small

Tips for building a good credit score

If you have a good credit score, you’ll almost always qualify for the best rates, and you will pay lower finance charges on loans.

credit score


If you’re looking for ways to improve your credit, taking care of negative information can help. Contact the reporting agencies if you find any inaccurate information on your credit report, pay down high balances, and bring all accounts current if you’ve fallen behind on any payments.

Keeping Informed

credit report

Here Are 4 Ways To Improve Your Credit

Your credit score is one of the most important pieces of personal information that is associated with you.

Where to Send Your Credit Dispute Letter

credit freeze

What Is a Credit Freeze? Should I Freeze My Credit?

What is a credit freeze? Also known as a security freeze, this free tool lets you restrict access to your credit report, which in turn makes it more difficult for identity thieves to open new accounts in your name. That’s because most creditors need to see your credit report before they approve a new account.

Sample Letter


What You Need to Know About Business Credit

Business credit refers to the collection of scores, ratings, and other indicators commonly used by lenders, suppliers, customers, and other partners to quantify the risk of working with a company. To help you better understand business credit, we’ll walk you through the basics

Request a free copy of your business report


Why Do We Have A Supply Chain Problem?

Supply Chain graphic

Global Supply Chains in a Post-Pandemic World

Why do we have a supply chain problem?

Understanding why & when our supply chain will recover

  • Why the long lead time
  • What products will recover faster
  • Will the US start to manufacture their own products moving forward?
  • Being prepared as a business

Read more…

transportation graphic

Companies need to make their networks more resilient. Here’s how.

When the Covid-19 pandemic subsides, the world is going to look markedly different

  • Incorporate the latest technology
  • Diversify your supply chain
  • Automation, Yes Robotic
  • New Processing technologies upgrades

The challenge for companies will be to make their supply chains more resilient without weakening their competitiveness. To meet that challenge, managers should first understand their vulnerabilities and then consider a number of steps.

Read more…

small business recovery graphic

The State of Small Business Recovery In the US

Small businesses are a powerful and influential piece of the economy. In fact, 99.9% of all businesses in the U.S. qualify as small businesses, collectively employing almost half (47.3%) of the nation’s private workforce.

See How Your State Is Doing…

Does Outer Space Have Laws?

Unlocking New Opportunities with Automation

Is It Time To Retool Your Business & Invest In Technology?

outer space

Does Outer Space Have Laws?

In 1967 the outer space treaty was announced.

The treaty covers the following

  • Is there law in space?
  • Who owns the Moon? Who will own Mars?
  • Can private companies mine asteroids?
  • Can we put weapons in space?

Read more…

most beloved brands chart

The Most Loved Brands by Generations

Brands that tap into consumers emotions can establish higher levels of trust. This in turn creates a culture of loyalty that creates long term buying habits.


  • Gen Z Millennials – 18-34 – PlayStation
  • Gen X 35-54 – Amazon
  • Baby Boomers – 55-64 – Costco

What Generation Are You?

small business recovery graphic

The State of Small Business Recovery In the US

While mom and pop might not always have been the focus, small businesses are a powerful and influential piece of the economy. In fact, 99.9% of all businesses in the U.S. qualify as small businesses, collectively employing almost half (47.3%) of the nation’s private workforce.

See how your state is doing…

SCL President Named to Top Women in Equipment Financing 2020

Equipment Financing

Guidelines: Opening Up America Again

President of SCL – Barbara Griffith, Named Top Women in Equipment Financing

SCL is proud to announce that our President, Barbara Griffith has been named by Monitor Daily as
“Top Women in Equipment Financing 2020.” Join us in congratulating Barbara for her well-deserved recognition and read the article to learn more about Barbara’s 30 year career in Equipment Financing.

SCL Equipment Finance Commits – $150 Million to Fund Businesses located in the US.

Since 1992, SCL has been providing equipment financing to businesses in the US. We understand that your business needs capital. Being able to retool your company will be very important as we continue to recover from 2020.

making a deal

What a Healthy Business looks like

  • Good cash flow
  • Equipment that automates your operations
  • A good business credit report

(request a free copy of your business report)