How Cheque Helps Service Businesses Get Paid Faster with Dynamic Discounting

How Cheque Helps Service Businesses Get Paid Faster with Dynamic Discounting Adrienne interviews Julia, founder of Cheque, who moved from Sweden to the US after leaving her role at a Stockholm accelerator to start an invoicing platform for service businesses. Drawing on interviews with about 100 service providers, Julia explains how Cheque uses dynamic discounting—letting businesses offer optional discounted net 5 or net 10 terms alongside standard net terms—so clients can pay early for a 1%–3% discount, helping vendors improve cash flow without relying on lines of credit or factoring. They discuss the realities of entrepreneurship, the pain points in existing bookkeeping and invoicing tools, and Cheque’s longer-term vision for a “credit exchange without credit” that could route early-payment demand across the platform. Julia shares how to contact her and notes Cheque’s free plan and QuickBooks integration. Contact Julia on LinkedIn: https://www.linkedin.com/in/juliadelin/ Cheque Website: https://www.chequepay.co/ Contact Adrienne on LinkedIn: https://www.linkedin.com/in/adriennewilkerson/ Beacon Media & Marketing Website: https://www.beaconmm.com/ Follow Beacon Media & Marketing Social Media https://www.linkedin.com/company/beacon-media-marketing/posts/?feedView=all https://www.facebook.com/beaconmm/ https://www.instagram.com/beaconmm/ 00:00 Welcome and Introductions 00:18 Julia’s Founder Story 01:29 How Cheque Works 02:37 Taking the Leap 04:02 Entrepreneur Rollercoaster 08:14 Big Vision for SMBs 09:45 Cash Flow Alternative 12:06 Dynamic Discounting Demo 16:35 Proactive vs Collections 19:51 Credit Exchange Vision 21:32 Roadmap and Risk 22:39 Free Plan and Contact 23:58 Healthcare Use Case 27:03 Closing Thanks