Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How One Auto Shop Used Credit Card Surcharging to Speed Cash Flow
In this episode of Cash Flow Conversations, Lucas and Luna explore how a small auto repair shop in Denver used credit card surcharging to incentivize customers to switch from credit to debit or cash, dramatically accelerating invoice payments. The shop owner, Maria Hernandez, noticed that 60% of her customers paid with credit cards, costing her 2.5% in fees and delaying settlement by 1-2 days. By implementing a 2% surcharge on credit card transactions — allowed under Colorado law and compliant with card network rules — she saw a 30% drop in credit card usage within three months. Lucas breaks…
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