Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Turn Receivables into Instant Cash Without Factoring
Episode 12 of Cash Flow Conversations with Fexingo. Lucas and Luna explore the receivable-backed credit line—a cheaper alternative to factoring that lets small businesses borrow against unpaid invoices without selling them. They walk through how it works, the typical cost structure (prime plus 2-3 points vs. factoring's 3-5% per month), and a real example from a Seattle HVAC contractor who swapped factoring for a credit line and cut his annual financing cost by $18,000. They also discuss the lender's perspective: why banks are warming to receivables-based lending in 2026, what…
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