How Net 15 Terms Beat Net 30 in Small Business

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Sep 17, 2026 · 8m · transcript

We break down the math behind a specific shift from net thirty to net fifteen terms using a mid-sized commercial HVAC contractor as our case study. The result was not just faster cash but a complete restructuring of how they price labor and manage payroll. We look at the hidden costs of long payment windows, the psychological impact on sales teams, and why shorter terms actually reduce bad debt risk rather than increase it. This is about operational discipline over financial engineering.

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