How a Landscaper Used Trade Credit to Survive a 90-Day Payment Gap

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jul 8, 2026 · 7m · transcript

In this episode, Lucas and Luna explore how a small landscaping company in Phoenix used trade credit from its supplier to bridge a 90-day payment gap after a major client delayed payment. The story follows GreenScape Pros, a 12-person crew that faced a cash crunch when a single contract made up 40% of its revenue and the client stretched terms. Lucas explains how the owner negotiated net-90 payment terms with a mulch and equipment supplier, using a small down payment and a personal guarantee to keep materials flowing. The episode breaks down the trade-off between trade credit and factoring…