Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Painter Used Float to Bridge Slow Seasons
In this episode of Cash Flow Conversations, Lucas and Luna dive into how a residential painter in Portland used customer float — upfront deposits and milestone payments — to smooth cash flow during the rainy season. The painter, Maria Torres, shifted from billing net-30 to requiring a 40 percent deposit on all jobs over $1,500, plus a second payment at the halfway point. Lucas breaks down the math: by collecting $60,000 in deposits over six months, Maria avoided drawing on a high-interest line of credit. Luna challenges whether customers pushed back, and Lucas shares how Maria framed it as a…
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