How a Craft Brewery Used Dynamic Discounting to Speed Payments

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jul 5, 2026 · 11m · transcript

In episode 95 of Cash Flow Conversations, Lucas and Luna explore how a mid-sized craft brewery in Portland used dynamic discounting to incentivize early payments from distributors. The brewery offered a sliding-scale discount — from 2% for payment within 10 days down to 0.5% within 20 — and cut its average receivables from 42 days to 18 days in six months. They walk through the math, the behavioral economics, and the negotiation with distributors. The episode includes a specific example of a $50,000 invoice and how the discount trade-off netted the brewery an effective annual return of over…