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 FinanceHow a Color-Coded Receivables Map Saved a Landscaping Firm
In this episode, Lucas and Luna explore how a landscaping company in Portland used a simple color-coded receivables aging map to identify a single problem…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Barter System Survives in Modern Business
Episode 51 of Cash Flow Conversations examines the surprising resilience of barter in today's digital economy. Lucas and Luna explore how a small…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Payment Gateway Saved a Bakery Chain's Cash Flow
Episode 50 of Cash Flow Conversations revisits the bakery chain from Episodes 45 and 48, but with a fresh angle: how switching from manual invoicing to a…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How A 72-Hour Payment Window Cut Delinquency By 40 Percent
Lucas and Luna examine how a small commercial printer in Portland slashed late payments by insisting invoices be paid within 72 hours of receipt. The…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Rolling Forecast Saved a Bakery Chain
Episode 48 of Cash Flow Conversations explores how a three-store bakery chain used a rolling 13-week cash flow forecast to avoid a summer inventory crisis…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Dynamic Discounting Beats Static Early Payment Discounts
Most small businesses offer a standard '2/10 net 30' early payment discount and never change it. In this episode, Lucas and Luna explore why static…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Two-Invoice Limit Prevents Cash Flow Surprises
Episode 46 of Cash Flow Conversations with Fexingo: Lucas and Luna explain why asking customers to limit their outstanding invoices to just two can slash…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Rolling Cash Flow Forecasts Prevent Small Business Crises
Episode 45 of Cash Flow Conversations explores how small businesses can use rolling 13-week cash flow forecasts to anticipate shortfalls before they become…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Early Payment Discounts Reduce Customer Delinquency
Episode 44 of Cash Flow Conversations unpacks a counterintuitive strategy: offering discounts for early payments can actually reduce overall customer…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Why Your Customers Pay Late and How to Stop It
Why do customers pay late? In this episode of Cash Flow Conversations, Lucas and Luna dig into the psychology and economics behind late payments. They break…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Invoice Factoring Can Backfire on Small Businesses
In this episode of Cash Flow Conversations, Lucas and Luna examine the hidden costs of invoice factoring for small businesses. Using the real-world example of…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payment Timing Alignment Boosts Small Business Cash Flow
In this episode, Lucas and Luna explore how aligning payment timing with your natural cash flow cycle can eliminate cash crunches. They break down the concept…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payment Timing Alignment Boosts Small Business Cash Flow
In episode 40 of Cash Flow Conversations, Lucas and Luna explore how small businesses can improve cash flow by aligning payment timing with their actual…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payment Triggers Prevent Late Invoice Disputes
Episode 39 of Cash Flow Conversations with Fexingo: Lucas and Luna explore how payment triggers — specific, verifiable conditions tied to invoice payment — can…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Late Payments Accumulate Like Interest on Your Business
In this episode of Cash Flow Conversations with Fexingo, Lucas and Luna dive into a hidden cash flow killer: the compounding effect of late payments. Using a…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Receivables Aging to Negotiate Better Supplier Terms
In episode 37 of Cash Flow Conversations, Lucas and Luna break down a practical strategy that many small business owners overlook: using your own receivables…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Receivables Aging to Negotiate Better Terms
Episode 36 of Cash Flow Conversations digs into a practical tool that small-business owners often overlook: the receivables aging report. Lucas and Luna…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payment Terms Unlock Cash Flow for Small Business
Episode 35 of Cash Flow Conversations digs into one of the most overlooked levers in small business finance: payment terms. Lucas and Luna break down how…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Payment Timing Gaps Drain Small Business Cash Flow
Episode 34 of Cash Flow Conversations with Fexingo tackles the hidden cash drain created by payment timing gaps — the lag between when you pay suppliers and…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Credit Limits on Customers Free Up Cash
Lucas and Luna examine how small businesses can free up working capital by setting and enforcing credit limits on customers. They walk through a real example…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Cash Flow Waterfall Reveals Hidden Working Capital
Lucas and Luna explore how a cash flow waterfall model helps small business owners visualize the timing and sequence of cash inflows and outflows. Using the…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Rolling 13-Week Forecast Prevents Cash Crunches
Lucas and Luna dive into the rolling 13-week cash flow forecast — a tool used by smart small businesses to anticipate cash shortages before they hit. They walk…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Your Receivables as Collateral for Growth
Small business owners often think of unpaid invoices as a liability. But in this episode, Lucas and Luna explore a powerful alternative: using your receivables…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Receivables Discounting Works for Small Business
Lucas and Luna dive into receivables discounting — a tool that lets small businesses offer customers a discount for early payment, improving cash flow without…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Receivables Financing Rates Actually Work for Small Business
Episode 28 of Cash Flow Conversations tackles a topic every small business owner encounters but few fully understand: how lenders set the rates on…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Receivables Factoring Compares to Bank Loans
Episode 27 of Cash Flow Conversations breaks down the real costs of receivables factoring versus traditional bank loans. Lucas and Luna walk through a concrete…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Dynamic Discounting Benefits Both Buyer and Supplier
Episode 26 of Cash Flow Conversations with Fexingo. Lucas and Luna explore dynamic discounting—a flexible alternative to static 2/10 net 30 terms. They walk…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Credit Card Surcharges Reshape Small Business Cash Flow
Episode 25 of Cash Flow Conversations examines how credit card processing fees — typically 1.5 to 3.5 percent per transaction — silently drain working capital…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Dispute Management Unlocks Trapped Cash in Your Receivables
Lucas and Luna dive into a hidden cash-flow killer: disputed invoices. Drawing on a real 2025 case from a mid-sized construction supplier, they unpack how…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Cash Conversion Cycle Audit Reveals Hidden Working Capital
In this episode, Lucas and Luna walk through a practical cash conversion cycle audit using a real small manufacturer example: a specialty coffee roaster that…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Credit Line Based on Receivables Works
Lucas and Luna break down how asset-based lending tied to accounts receivable works for small businesses, using the example of a $2 million manufacturer that…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Rolling Reserve Unlocks Cash for Small Businesses
Lucas and Luna unpack the rolling reserve—a cash management tool that helps small businesses smooth out lumpy receivables without factoring. They walk through…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Overdue Receivables Spike Your Borrowing Costs
In this episode of Cash Flow Conversations with Fexingo, Lucas and Luna explore how overdue receivables don't just starve your cash flow—they can quietly…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Trade Credit Score Unlocks Supplier Trust
In this episode, Lucas and Luna explore how small businesses can leverage a trade credit score—a Dun & Bradstreet PAYDEX score of 75 or higher—to unlock better…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a Rolling Average Smooths Cash Flow Chaos for Small Businesses
Lucas and Luna explore the power of the rolling average cash conversion cycle as a stability metric for small businesses. Using the example of a regional…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How To Use Supplier Portals To Unlock Cash Flow
Episode 17 of Cash Flow Conversations tackles a hidden cash flow lever: supplier portals. Lucas and Luna explore how small businesses can use these platforms —…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How E-Invoicing Closes Your Cash Flow Gap
Episode 16 of Cash Flow Conversations: Lucas and Luna break down how electronic invoicing is transforming small business cash flow in 2026. They walk through a…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Receivables Aging Reports to Forecast Cash Shortfalls
In episode 15 of Cash Flow Conversations, Lucas and Luna dive into one of the most underused tools in small business finance: the receivables aging report…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Build a Cash Flow Forecast from Your Sales Pipeline
Most small business owners treat cash flow forecasting like a rearview mirror exercise—looking at what already happened instead of what's coming. In this…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How a 2 Percent Prompt Payment Discount Transforms Cash Flow
Episode 13 of Cash Flow Conversations explores the specific mechanics of prompt payment discounts—why offering a 2 percent discount for early invoice payment…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Turn Receivables into Instant Cash Without Factoring
Episode 12 of Cash Flow Conversations with Fexingo. Lucas and Luna explore the receivable-backed credit line—a cheaper alternative to factoring that lets small…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Partial Payments Are Transforming Small Business Cash Flow
Episode 11 of Cash Flow Conversations with Fexingo dives into partial payments — an emerging strategy that lets small businesses collect a percentage of an…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Supply Chain Financing Without Hurting Supplier Relationships
In Episode 10 of Cash Flow Conversations, Lucas and Luna explore supply chain financing as a strategic tool for small businesses. They break down how it works…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Use Trade Credit Like a Free Loan from Suppliers
Most small-business owners treat supplier invoices as a deadline to dread. But the smartest operators see them as a source of zero-interest financing. In this…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Predict Customer Late Payments Before They Happen
Lucas and Luna explore how small businesses can use payment data patterns to predict which customers will pay late before the invoice due date arrives. The…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How to Negotiate Better Payment Terms Without Offending Suppliers
Lucas and Luna explore a practical small-business challenge: how to ask suppliers for longer payment terms without damaging the relationship. They walk through…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Why Inventory Is Eating Your Cash Flow
In this episode of Cash Flow Conversations with Fexingo, Lucas and Luna drill into a silent cash-flow killer: inventory. Lucas explains why holding too much…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Why Dynamic Discounting Beats Invoice Factoring
In this episode, Lucas and Luna explore dynamic discounting, a financing strategy that lets buyers offer early payment discounts that increase as the payment…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Why Your Suppliers Care About Your DPO
Episode 4 of Cash Flow Conversations with Fexingo: Lucas and Luna drill into Days Payable Outstanding — the metric that quietly shapes supplier relationships…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
How Invoice Factoring Gets You Paid in 24 Hours
Lucas and Luna explore invoice factoring as a working capital tool for small businesses. They break down how factoring works, the real costs—typically 1.5 to 3…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
Why Suppliers Are Demanding Faster Payment in 2026
In episode 2 of Cash Flow Conversations, Lucas and Luna tackle the quiet revolution in supplier payment terms. As of May 2026, large buyers like Walmart and…
- Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance
The 47-Day Cash Gap That Kills Small Businesses
In the debut episode of Cash Flow Conversations, Lucas and Luna drill into a single number that explains more about small-business failure than any…