How Partial Payments Are Transforming Small Business Cash Flow

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · May 25, 2026 · 11m · transcript

Episode 11 of Cash Flow Conversations with Fexingo dives into partial payments — an emerging strategy that lets small businesses collect a percentage of an invoice upfront while offering customers flexibility. Lucas and Luna explore how this approach differs from traditional net terms, dynamic discounting, and factoring. Using the example of a boutique graphic design agency in Austin that shifted to 50 percent upfront, 50 percent on delivery, the hosts break down the impact on cash conversion cycles, customer relationships, and working capital. They discuss data from a 2025 Fundbox study…