How Invoice Factoring Gets You Paid in 24 Hours

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · May 21, 2026 · 11m · transcript

Lucas and Luna explore invoice factoring as a working capital tool for small businesses. They break down how factoring works, the real costs—typically 1.5 to 3 percent of invoice value—and when it makes sense versus a bank loan. Using the example of a $50,000 invoice factored at 2 percent, they show the net cash a business actually receives. They discuss the stigma around factoring, why it's sometimes called a loan of last resort, and how newer fintech platforms are changing the game with lower fees and transparent terms. Luna shares a story about a friend's landscaping company that…