Latest / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Predict Customer Late Payments Before They Happen
Lucas and Luna explore how small businesses can use payment data patterns to predict which customers will pay late before the invoice due date arrives. The episode focuses on a specific case: a wholesale distributor in Atlanta that reduced its average receivables aging from 52 days to 31 days by analyzing invoice-level payment histories and applying a simple scoring model. Lucas explains the concept of 'payment propensity scoring,' walks through the data points used — such as past payment speed, seasonal patterns, and communication frequency — and discusses the behavioral economics…
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