How One Plumbing Company Cut Its Payment Cycle from 60 Days to 4

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jun 30, 2026 · 8m · transcript

Lucas and Luna explore how a mid-sized plumbing contractor in Phoenix used a combination of instant invoice presentment, credit card surcharging, and a flat-fee lockbox to shrink its average payment cycle from 58 days to just 4 — without factoring or taking on debt. They walk through the specific mechanics: an automated portal that sent invoices via text with a pay button, a 3% convenience fee that 70% of customers willingly paid, and a daily sweep from a PO box into a money market account. The episode also touches on the tradeoffs — including a 2.8% drag on revenue from card fees — and how…