How A 72-Hour Payment Window Cut Delinquency By 40 Percent

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jun 13, 2026 · 8m · transcript

Lucas and Luna examine how a small commercial printer in Portland slashed late payments by insisting invoices be paid within 72 hours of receipt. The printer's owner, a former logistics manager, noticed that the longer a receivable aged, the harder it was to collect — so she flipped the standard 30-day net and made speed the default. Lucas walks through the mechanics: a three-day window with a 1.5 percent discount for paying within 24 hours, and a hard stop at 72 hours before the account goes to a third-party collector. Luna pushes back on whether small businesses can actually enforce…