How Invoice Factoring Helped a Landscaper Land a 200K Job

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jul 26, 2026 · 5m · transcript

In this episode of Cash Flow Conversations, Lucas and Luna explore invoice factoring through the true story of Mike, a landscaper in suburban Denver who landed a $200,000 commercial contract with net-60 payment terms. With no cash to cover upfront costs, he turned to invoice factoring—selling his receivable to a factoring company for an 85% advance. Lucas breaks down the mechanics, the cost (2.5% per month), and the honest trade-offs: speed vs. expense, and the potential impact on customer relationships. They discuss when factoring makes sense versus bank loans or other financing, and how…