How One Supplier Cut Net-60 to Net-10 With a Simple Rate Swap

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jun 22, 2026 · 10m · transcript

Episode 67 of Cash Flow Conversations with Fexingo. Lucas and Luna examine how a small auto parts supplier in Ohio broke the net-60 deadlock with their biggest customer. Instead of chasing invoices or factoring at high rates, they offered a simple trade: pay in 10 days and get a flat 1.5% discount, but funded by a third-party early-payment platform that took the risk. The result: supplier cuts DSO from 52 to 11 days, customer extends terms without hurting their own cash, and the platform earns a transaction fee. Lucas breaks down the numbers—1.5% annualized is 54.75% APR—and why this only…