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 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