Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Trade Credit Like a Free Loan from Suppliers
Most small-business owners treat supplier invoices as a deadline to dread. But the smartest operators see them as a source of zero-interest financing. In this episode, Lucas and Luna break down how trade credit actually works—from net-30 terms to early-payment discounts—and why the business that negotiates its payables strategically can fund its own growth without a bank loan. Using the example of a mid-size bakery that turned $150,000 in annual interest costs into $12,000 in savings just by shifting supplier terms, they explain the math behind stretching payables, the single biggest mistake…
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