Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Bakery Used Rolling Receivables Forecasts to Fix Cash Flow
In this episode of Cash Flow Conversations, Lucas and Luna dive into the story of a Chicago-based wholesale bakery that was profitable on paper but constantly starved for cash. The culprit: a mismatch between when they paid for flour, sugar, and butter—and when their café and grocery clients actually paid invoices. We follow how the owner, Maria, and her part-time bookkeeper built a rolling receivables forecast that tracked not just who owed what, but the probability of late payment for each customer. By segmenting clients by payment behavior and adjusting their credit terms accordingly…
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