Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance

Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance

By FexingoBusiness
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Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance episodes

  • 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 percent of invoice value—and when it makes sense versus a bank loan. Using the example of a $50,000 invoice factored at 2 percent, they show the net cash a business actually receives. They discuss the stigma around factoring, why it's sometimes called a loan of last resort, and how newer fintech platforms are changing the game with lower fees and transparent terms. Luna shares a story about a friend's landscaping company that used factoring to bridge a 60-day payment gap from a large commercial client. The hosts also outline the risks: if your customer doesn't pay, you may have to buy back the invoice. By the end, listeners will know how to evaluate a factoring agreement, including what to watch for in recourse versus non-recourse deals.

    #InvoiceFactoring #WorkingCapital #CashFlow #SmallBusinessFinance #Receivables #FactoringRates #BusinessLending #Fintech #AlternativeFinance #CashFlowConversations #FexingoBusiness #BusinessPodcast #LucasAndLuna #AccountsReceivable #SmallBusinessTips #WorkingCapitalLoan #FinancePodcast #BusinessFinance

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    12 min
  • 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 Procter & Gamble are slashing their standard net-60 terms to net-15 or even net-7, flipping decades of 'pay later' leverage. Lucas breaks down a real case: a mid-sized packaging company in Ohio that was told it must accept a 2% early-payment discount or lose its contract. Luna questions whether this trend squeezes small suppliers who can't afford the speed. They explore the rise of supply chain finance platforms, the role of the Federal Reserve's instant payment system FedNow, and how small business owners can negotiate payment terms as a strategic lever rather than a given. By the end, listeners will understand why 'the check is in the mail' is becoming extinct — and what that means for their own cash flow.

    #CashFlowConversations #WorkingCapital #SupplierPayments #PaymentTerms #Net60 #EarlyPaymentDiscounts #SupplyChainFinance #FedNow #SmallBusinessFinance #Receivables #Business #Finance #WorkingCapitalManagement #LucasAndLuna #FexingoBusiness #BusinessPodcast #PaymentSpeed #2026Trends

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    8 min
  • 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 profit-and-loss statement: the cash conversion cycle. Using the real-world case of a Houston HVAC company that was profitable on paper but ran out of money, they unpack how 47 days between paying suppliers and collecting from customers can break a healthy business. Lucas walks through the three levers—receivables, payables, inventory—and shows how one contractor cut his cycle from 47 days to 22 days without borrowing a dime. Luna challenges the conventional wisdom about chasing early payment discounts, and they both surface a counterintuitive insight: sometimes paying your bills faster actually improves your cash position. This isn't a theory episode. It's about the ledger on a small-business owner's desk. No fluff, no jargon for its own sake—just the mechanics of staying liquid.

    #CashFlowConversations #WorkingCapital #SmallBusinessFinance #CashConversionCycle #Receivables #Payables #InventoryManagement #HVAC #HoustonSmallBusiness #BusinessLiquidity #ProfitVsCash #EarlyPaymentDiscounts #SupplierRelations #BusinessFinance #FexingoBusiness #BusinessPodcast #LucasAndLuna #Episode1

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    10 min

About Cash Flow Conversations with Fexingo: Working Capital, Receivables, and Small Business Finance

From the publisher's feed

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 never talk in abstractions: every conversation is pinned to a named business, a specific dollar amount, and a practical takeaway the listener can apply tomorrow morning. The series is built for owners of firms with 5 to 50 employees who know their P&L by heart but wonder why cash always seems to vanish just before payroll. No bank-account theory, no corporate finance boilerplate — just a rigorous, empathetic look at how money actually moves through a small business. What happens when a key customer pays 60 days late, and the line of credit is already maxed out? Lucas and Luna walk through the options, the trade-offs, and the one number that could have warned them six weeks earlier.