How Late Payment Costs Kill Small Business Margins

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Oct 11, 2026 · 9m · transcript

Late payment isn't just an annoyance; it is a structural tax on small business growth. In this episode, we break down the hidden cost of capital tied up in unpaid invoices. We look at a specific case of a mid-sized commercial printer facing a four percent margin squeeze because their average collection period drifted from thirty to forty-five days. Lucas and Luna explore how that delay forces owners to choose between paying employees on time or investing in new equipment. You will learn why factoring might be cheaper than you think, but also why strict credit policies are the only real…