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  • How to Use Receivables Aging to Negotiate Better Supplier Terms

    How to Use Receivables Aging to Negotiate Better Supplier Terms
    2026/06/07
    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 aging report as leverage in supplier negotiations. Instead of just chasing late payers passively, Lucas explains how to turn overdue receivables into a concrete request—like extended net terms or volume discounts—that improves working capital on both sides. They walk through a real example involving a mid-sized bakery supplier, showing exactly how to frame the conversation, what data to bring, and why suppliers often say yes. The episode also covers common mistakes, like blurring the line between negotiation and complaint, and how to handle pushback. By the end, listeners will have a clear script they can adapt for their next supplier call. #ReceivablesAging #SupplierNegotiation #WorkingCapital #SmallBusiness #CashFlow #PaymentTerms #B2BNegotiation #BusinessFinance #FexingoBusiness #BusinessPodcast #LucasAndLuna #SupplierRelations #NetTerms #VolumeDiscounts #AgingReport #CashConversionCycle #TradeCredit #FinanceTips Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How to Use Receivables Aging to Negotiate Better Terms

    How to Use Receivables Aging to Negotiate Better Terms
    2026/06/07
    Episode 36 of Cash Flow Conversations digs into a practical tool that small-business owners often overlook: the receivables aging report. Lucas and Luna explain how a 13-month aging schedule reveals customer payment patterns, helps you spot slow payers before they become problem accounts, and gives you leverage to renegotiate payment terms. They walk through a specific case: a $2.3 million wholesale distributor that used its aging data to shorten payment terms with its five largest customers from net-60 to net-45, improving its cash conversion cycle by 11 days. Lucas breaks down how to calculate 'customer payment velocity' and how to present the data in a quarterly business review. This episode is for any business owner who has ever felt like they are the one financing their customers' operations. #ReceivablesAging #PaymentTerms #CashFlow #SmallBusiness #WorkingCapital #AccountsReceivable #BusinessFinance #Negotiation #CustomerPaymentVelocity #CashConversionCycle #WholesaleDistribution #SmallBusinessFinance #BusinessPodcast #FexingoBusiness #CashFlowConversations #LucasAndLuna #EntrepreneurTips #FinancialManagement Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Payment Terms Unlock Cash Flow for Small Business

    How Payment Terms Unlock Cash Flow for Small Business
    2026/06/06
    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 shifting from net-30 to net-15 on just your top five customers can accelerate cash inflow by weeks. They walk through a real example—a $2 million revenue hardware supplier—that freed up $180,000 in working capital simply by renegotiating terms with three large buyers. The hosts also explore the hidden cost of early-payment discounts, the psychology behind customer payment behavior, and how to use tiered terms without alienating your best clients. No fluff, just a practical framework you can apply this quarter. Recorded June 6, 2026. #PaymentTerms #Net30 #Net15 #CashFlow #WorkingCapital #SmallBusiness #Receivables #InvoiceDiscounting #TradeCredit #CustomerNegotiation #BusinessFinance #CashConversionCycle #Liquidity #WorkingCapitalOptimization #FexingoBusiness #BusinessPodcast #FinanceTips #Entrepreneurship Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Payment Timing Gaps Drain Small Business Cash Flow

    How Payment Timing Gaps Drain Small Business Cash Flow
    2026/06/06
    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 when customers pay you. Lucas and Luna walk through a concrete example: a boutique bakery that pays its flour mill on net-30 terms but waits 45-60 days for restaurant clients to settle invoices. They calculate the real dollar cost of that 15-30 day gap using a simple formula, discuss why net-30 terms often favor the buyer over the small seller, and explore practical fixes like aligning payment cycles and negotiating midpoint terms. No jargon, no fluff — just a clear explanation of a structural problem that quietly erodes margins for thousands of small businesses, with actionable steps to close the gap. #PaymentTimingGap #SmallBusinessCashFlow #Net30Terms #WorkingCapital #CashFlowManagement #Receivables #Payables #BusinessFinance #BakeryCashFlow #SupplierTerms #CustomerTerms #CashConversionCycle #InvoiceTiming #SmallBizTips #FexingoBusiness #CashFlowConversations #BusinessPodcast #FinancePodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Credit Limits on Customers Free Up Cash

    How Credit Limits on Customers Free Up Cash
    2026/06/05
    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: a $2 million wholesale distributor that reduced its average receivables from 58 days to 38 days by implementing a simple tiered credit policy. They cover how to calculate a customer's credit score using payment history and industry data, the role of credit insurance, and what happens when a long-time client exceeds their limit. The episode ends with a practical framework any business owner can apply next week — no software purchase required. #CreditLimits #WorkingCapital #CashFlow #Receivables #SmallBusinessFinance #BusinessCreditPolicy #CreditScoreForCustomers #TradeCredit #CreditInsurance #PaymentTerms #DaysSalesOutstanding #CashFlowManagement #BusinessPodcast #FexingoBusiness #Business #Finance #CreditManagement #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How a Cash Flow Waterfall Reveals Hidden Working Capital

    How a Cash Flow Waterfall Reveals Hidden Working Capital
    2026/06/05
    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 real-world example of a boutique furniture maker with seasonal sales cycles, they show how mapping cash movements by priority—operating expenses first, then debt service, then owner distributions—uncovers bottlenecks and opportunities to free up working capital. Lucas explains the difference between a waterfall and a static cash flow statement, and why the order of payments matters more than many owners realize. He walks through a simple three-tier waterfall: the operational layer, the financial layer, and the discretionary layer. Luna asks how to handle unpredictable receivables in the model, and Lucas shares a practical method using historical averages. They close with a forward-looking question about rolling forecasts layered on top of the waterfall—a topic for a future episode. #CashFlowWaterfall #WorkingCapital #SmallBusiness #CashFlowManagement #Receivables #BusinessFinance #OperatingExpenses #DebtService #DiscretionaryCash #SeasonalBusiness #FurnitureMaker #BoutiqueManufacturing #CashFlowForecast #Liquidity #BusinessStrategy #FexingoBusiness #BusinessPodcast #CashFlowConversations Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How a Rolling 13-Week Forecast Prevents Cash Crunches

    How a Rolling 13-Week Forecast Prevents Cash Crunches
    2026/06/04
    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 through a concrete example: a $2 million revenue boutique manufacturer that avoided a $150,000 working capital gap by forecasting weekly receivables and payables. Lucas explains how the forecast works, why a 13-week horizon beats monthly or annual projections, and how to build one using just a spreadsheet and your receivables aging report. Luna challenges whether the time investment is worth it for a one-person operation, and Lucas shares a simple template that takes less than 30 minutes a week. Episode 31 of Cash Flow Conversations with Fexingo stays practical, numbers-driven, and grounded in real small-business decisions. #CashFlow #WorkingCapital #SmallBusiness #Forecasting #13WeekForecast #Receivables #Payables #Liquidity #BusinessFinance #CashCrunches #FinancialPlanning #Spreadsheet #Entrepreneurship #SeasonalBusiness #WorkingCapitalGap #BusinessTools #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How to Use Your Receivables as Collateral for Growth

    How to Use Your Receivables as Collateral for Growth
    2026/06/04
    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 as collateral to secure a revolving credit line that grows as your sales grow. They break down how a receivables-backed line of credit works, the difference from factoring, the typical costs (LIBOR plus 2 to 5 percent, now keyed to SOFR plus a spread), and a concrete example: a $2 million annual revenue business with $300,000 in average receivables can unlock a $225,000 credit line. They also discuss the key metrics lenders care about — your dilution rate, concentration risk, and aging — and why this form of financing is gaining traction among banks and fintech lenders. If you've ever felt like your slow-paying customers are strangling your growth, this episode offers a practical path to turn that friction into fuel. #ReceivablesFinancing #AssetBasedLending #WorkingCapital #SmallBusinessFinance #InvoiceCollateral #CreditLine #CashFlow #BusinessGrowth #LendingMetrics #DilutionRate #ConcentrationRisk #SOFR #BorrowingBase #CollateralManagement #Business #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 分