How a Rolling Reserve Unlocks Cash for Small Businesses

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · May 30, 2026 · 7m · transcript

Lucas and Luna unpack the rolling reserve—a cash management tool that helps small businesses smooth out lumpy receivables without factoring. They walk through how a wholesale distributor used a 10 percent rolling reserve to turn a $200,000 monthly revenue swing into predictable weekly deposits, cutting their cash-flow anxiety in half. The episode covers how reserves differ from factoring, the typical 5 to 15 percent holdback, and why banks and payment processors offer this structure. Lucas explains the math: if you run $500,000 monthly through a reserve, a 10 percent hold frees up $50,000 in…