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 Mediahttps://www.linkedin.com/company/beacon-media-marketing/posts/?feedView=allhttps://www.facebook.com/beaconmm/https://www.instagram.com/beaconmm/ 00:00 Welcome and Introductions00:18 Julia’s Founder Story01:29 How Cheque Works02:37 Taking the Leap04:02 Entrepreneur Rollercoaster08:14 Big Vision for SMBs09:45 Cash Flow Alternative12:06 Dynamic Discounting Demo16:35 Proactive vs Collections19:51 Credit Exchange Vision21:32 Roadmap and Risk22:39 Free Plan and Contact23:58 Healthcare Use Case27:03 Closing Thanks