Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How One Bakery Replaced Net-30 With Instant Payments
This episode drills into a specific case: a Brooklyn bakery with 14 wholesale accounts, $37,000 in average monthly receivables, and a chronic 38-day payment cycle that left them borrowing on a credit card every February. Lucas and Luna walk through how the owner swapped Net-30 terms for a 1.5% convenience fee on instant card payments — and what happened to her cash conversion cycle, her credit card interest, and her relationship with buyers. The episode covers the psychological friction of asking for faster payment, the arithmetic that made it work (the fee cost less than the float), and one…
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