How a Split Payment System Fixed a Retailer Cash Crunch

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jun 25, 2026 · 7m · transcript

Episode 74 of Cash Flow Conversations explores how a small retailer in Portland used a split payment system to break the net-30 cycle and stabilize cash flow. Lucas and Luna walk through the specific mechanics: receiving 50% at order placement and 50% at shipment, cutting an average receivables cycle from 38 days to 7 days. They discuss the psychology of payment timing, the operational shift required, and how the retailer's cash conversion cycle improved by 31 days. The episode also touches on why traditional payment terms persist despite their drag on small businesses, and what tools…