Shows / Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Lucas and Luna anchor Fexingo's daily business coverage in this series dedicated to the lifeblood of any small enterprise: cash flow. Each episode examines a single working-capital challenge — from aging receivables to supplier credit terms — through the lens of a real small business case study. Lucas walks through the numbers on a restaurant's invoice cycle or a hardware store's inventory turnover, while Luna presses on what those ratios mean for a founder's ability to sleep at night. They…
Episodes
Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business FinanceWhy Your Cash Is Trapped in Prepayments
Small business owners often assume paying vendors early is a sign of good faith or a way to secure better prices. But as Lucas and Luna explore in this…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Supply Chain Finance Works For Small Business
We break down supply chain finance and reverse factoring, showing how large buyers like Walmart or Apple use their balance sheets to help smaller suppliers get…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Inventory Turns Into Lost Cash
Small business owners often fixate on profit margins, but inventory is the silent cash killer. In this episode, we examine how a specific distribution company…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Small Businesses Lose Cash To Overdue Invoices
We dissect the hidden tax of late payments using a concrete case study: a regional logistics firm in Ohio that bled ten percent of its annual revenue chasing…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Supply Chain Finance Fixes Working Capital
Small businesses often bleed cash not from poor sales, but from rigid payment terms with larger partners. In this episode, Lucas and Luna explore supply chain…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Inventory Bloat Traps Small Business Cash
Lucas and Luna break down the hidden cost of 'dead stock' in small business finance. They analyze a specific case of a regional hardware retailer who…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Vendor Financing Transforms Working Capital
We look at how vendor financing is quietly reshaping small business liquidity. Using a concrete example of a mid-sized manufacturer securing inventory without…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payment Terms Shift Risk In Supply Chains
We dissect the hidden leverage in B2B contracts by looking at a mid-sized manufacturing firm that shifted from net thirty to net sixty terms. The move…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Cross-Border Trade Delays Starve Small Business Cash Flow
We look at the hidden cash flow killer for small importers and exporters: customs clearance delays. Using a fictional mid-sized lighting supplier, we break…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Supplier Consolidation Boosts Working Capital
Small businesses often bleed cash through fragmented vendor relationships. This episode examines how consolidating suppliers reduces administrative overhead…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Vendor Financing Transforms Working Capital
Most small business owners think of financing as something you get from a bank or a factor. But what if your biggest suppliers are already offering free money?…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Net 15 Terms Unlock Small Business Cash Flow
Most small business owners default to Net thirty payment terms, accepting a two-week cash flow drag just to close the deal. But what happens when you shift to…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Cash Flow Gets Stuck In The Middle
Most small businesses fix their cash flow by chasing customers or squeezing suppliers. But the real leak often hides in the middle: the gap between paying for…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Early Payment Discounts Boost Margins
Most small business owners treat early payment discounts as a cost center, but they are actually high-yield investments. In this episode of Cash Flow…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Late Payment Costs Kill Small Business Margins
Late payment isn't just an annoyance; it is a structural tax on small business growth. In this episode, we break down the hidden cost of capital tied up…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Dynamic Discounting Fixes Small Business Cash Flow
We look at a specific case of dynamic discounting where a mid-sized manufacturer turned its accounts payable into a liquidity tool. Instead of just waiting for…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Seasonal Buffers Save Small Business Cash Flow
Small businesses often survive the winter of their industry by building cash reserves during peak months. This episode examines how a fictional but…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Cash Flow Forecasting Prevents Bankruptcies
Most small business owners treat cash flow as a rearview mirror, but the real danger lies in the gap between paying suppliers and getting paid by customers. In…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Cash Flow Forecasting Saves Small Businesses
Small business owners often mistake profit for cash, leading to fatal liquidity gaps. This episode explores the specific mechanics of cash flow forecasting…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Small Businesses Lose Cash To Overdue Invoices
Most small businesses treat late payments as an annoyance rather than a structural leak. We look at how one mid-sized consulting firm turned a…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payroll Timing Traps Small Business Cash
Small business owners often blame late customer payments for cash flow crises, but the real trap is frequently internal: payroll. In this episode, Lucas and…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How To Negotiate Better Payment Terms With Suppliers
Most small business owners treat vendor payment terms as static contract lines, but they are actually the single most flexible lever for working capital. In…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Factoring Frees Small Business Cash
Small businesses often wait sixty to ninety days for clients to pay, straining operations while revenue sits in limbo. This episode explores invoice factoring…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Customer Prepayments Unlock Small Business Cash Flow
Most small businesses treat cash flow as a downstream problem, waiting for invoices to clear before they can plan. But what if the solution sits at the very…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Credit Scores Impact Small Business Cash Flow
Most small business owners think their personal credit score is just a number for buying a car. But in today’s market, that single digit determines whether you…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Customer Churn Destroys Small Business Cash Flow
Most small business owners obsess over acquiring new clients, but the real cash flow killer is often the quiet drift of existing ones. In this episode, Lucas…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Small Businesses Survive The Cash Flow Gap
Most small business owners think cash flow is about making money. But the real killer is the timing gap between paying suppliers and getting paid by customers…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Inventory Prepayments Fix Cash Flow
Most small business owners think working capital is about collecting receivables faster. But the real cash leak often happens before the sale, when paying…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Inventory Shrinkage Starves Small Business Cash Flow
Inventory shrinkage is the silent killer of small business liquidity, yet most owners treat it as an accounting nuisance rather than a cash flow emergency. In…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Net Terms Lock Small Business Cash
This episode examines how payment terms shape working capital for small businesses. We look at a fictional logistics firm that struggled with cash flow because…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Late Fees Turned Into A Profit Center
Most small business owners view late fees as a necessary evil or an afterthought. But one regional plumbing supply distributor, Waterline Distribution, turned…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Small Businesses Use Escrow To Secure Payment
We explore how a mid-sized commercial landscaping firm, GreenScape Solutions, eliminated bad debt by adopting escrow services for their municipal contracts…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Inventory Turnover Fixes Small Business Cash Flow
Most small business owners obsess over profit margins but ignore the silent killer of their liquidity: slow-moving inventory. In this episode, Lucas and Luna…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Net 60 Terms Trap Small Business Cash Flow
Most small business owners think longer payment terms are a sign of trust. In reality, Net 60 and Net 90 terms from large corporate buyers often act as hidden…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Vendor Credit Terms Free Cash Flow
Most small business owners obsess over collecting receivables, but the bigger cash flow lever is often hiding in their payables. In this episode, we explore…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Vendor Lock-In Traps Small Business Cash
We dissect how software vendors and cloud providers use multi-year contracts, auto-renewal clauses, and data migration fees to create invisible working capital…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Service Firms Protect Cash Flow With Milestone Billing
Most service businesses bleed cash because they bill at the end of a project, leaving months of unpaid work on their books. In this episode, we look at how…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How A Dental Lab Mastered Cash Flow With Equipment Leasing
We break down the specific working capital strategy used by a mid-sized dental laboratory to free up cash without sacrificing growth. By shifting from outright…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Net 15 Terms Beat Net 30 in Small Business
We break down the math behind a specific shift from net thirty to net fifteen terms using a mid-sized commercial HVAC contractor as our case study. The result…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Seasonal Pricing Protects Small Business Cash Flow
We explore how a custom framing shop in Portland used seasonal pricing to smooth out working capital gaps. Learn why charging more during peak demand months…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Bakery Fixed Cash Flow With Pre-Orders
We look at how a mid-sized bakery in Ohio turned its seasonal cash crunch into stable growth by shifting from wholesale delivery to a direct-to-consumer…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Service Firms Price For Cash Flow
Most small business owners price their services based on market rates or competitor averages, ignoring the hidden cost of waiting for payment. In this episode…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Dynamic Discounting Fixes Working Capital
Small businesses often sit on idle cash while waiting for clients to pay invoices. This episode explores dynamic discounting, where suppliers offer buyers a…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Service Firms Sell Invoices to Bridge Cash Gaps
When revenue is recognized but cash isn't in the bank, small service firms face a unique liquidity squeeze. This episode examines invoice discounting as a…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Suppliers Use Supply Chain Finance to Free Up Cash
Most small business owners think supply chain finance is only for Fortune Five hundred giants. But a mid-sized manufacturer in Ohio recently used it to cut…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Logistics Firm Turned Late Payments Into Growth Capital
We break down the specific mechanics of invoice factoring and how it transforms illiquid receivables into immediate working capital. Using a mid-sized…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Subscription Models Stabilize Small Business Cash Flow
Small business owners often chase revenue, but Lucas and Luna argue that recurring subscription models are the real key to predictable cash flow. This episode…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Factoring Changed Small Business Cash Flow
We explore how small businesses use factoring to turn unpaid invoices into immediate cash. Lucas and Luna break down the mechanics, costs, and strategic risks…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Logistics Firm Turned Late Payments Into Growth Capital
When a mid-sized logistics provider faced a cash crunch despite growing revenue, they stopped chasing invoices and started selling them. This episode explores…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How One Manufacturer Fixed Working Capital With Inventory Financing
Lucas and Luna explore how a mid-sized industrial manufacturer turned stagnant inventory into liquid working capital using a revolving credit facility backed…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payroll Timing Became a Working Capital Tool
We explore how a mid-sized logistics firm turned its biweekly payroll schedule into a silent engine for working capital. By aligning vendor payments with cash…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payroll Timing Became a Working Capital Tool
Most small business owners treat payroll as a fixed expense to be managed, not a strategic lever. But what if changing when you pay your team could free up…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How A Roofing Firm Turned Payroll Into Working Capital
Most small business owners treat payroll as a fixed cost to be minimized, but for a mid-sized roofing contractor in Ohio, it was actually the biggest lever for…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Stop Chasing Late Payments
Small businesses lose billions annually to inefficient collections. We explore how a mid-sized software integrator, ClearPath Systems, transformed its cash…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Retailers Turned Dead Inventory Into Working Capital
We explore how a mid-sized apparel retailer, Summit Outfitters, solved its seasonal cash crunch not by cutting prices, but by restructuring its supply chain…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Landscaper Used Progress Billing to Smooth Cash Flow
In this episode of Cash Flow Conversations, Lucas and Luna talk with a landscaper who switched from lump-sum contracts to progress billing. The change cut his…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Roofing Company Cut Days Sales Outstanding in Half
In this episode of Cash Flow Conversations, Lucas and Luna explore how a mid-sized roofing contractor in Texas slashed its days sales outstanding from 62 to 31…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Print Shop Used Float to Fix Cash Flow
In this episode of Cash Flow Conversations, Lucas and Luna explore how a small print shop transformed its cash flow by mastering the float. The shop's…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Landscaper Uses Retainage to Grow Cash Flow
In this episode of Cash Flow Conversations, hosts Lucas and Luna explore how a landscaping contractor used retainage—the practice of holding back a percentage…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Tattoo Studio Kept Cash Flowing With Deposits and Waiting Lists
In this episode of Cash Flow Conversations, Lucas and Luna dig into a small business that thrives on advance payments: a tattoo studio. Owner Mia turned…