How a Dry Cleaner Used Factoring to Break the 90-Day Cycle

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance · Jul 7, 2026 · 9m · transcript

Lucas and Luna examine how a family-run dry cleaning chain in New Jersey used invoice factoring to survive a 90-day payment cycle imposed by a large corporate client. They walk through the math: a $150,000 invoice sold to a factor at a 2.5 percent fee for 30-day advance, versus the cost of waiting three months. The episode breaks down when factoring makes sense versus when it becomes a debt trap, and why the owner chose a non-recourse agreement. Specific numbers, a real decision point, and a clear takeaway for any business owner facing slow payers.

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