In this insightful episode of Mere MERCHANTS, Chief Merchant Tom Ott sits down with longtime friend and legendary fashion finance expert Mike Stanley, who many consider the godfather of factoring. With decades of experience helping brands navigate the ever-changing retail landscape, Mike shares the behind-the-scenes reality of financing fashion—from managing receivables and mitigating risk to building trust and surviving disruption.

They explore how the role of factoring has evolved, how smart partnerships can make or break a brand, and what emerging merchants should look for in a financial partner. Mike also offers advice for young professionals entering the industry and gives a candid outlook on what’s ahead for retail in 2025 and beyond.