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

Lucas and Luna explore a practical small-business challenge: how to ask suppliers for longer payment terms without damaging the relationship. They walk through a concrete case — a boutique furniture maker with 60-day payment terms from its own customers but only net-15 with its lumber supplier. Lucas breaks down the three-part negotiation framework: anchoring on a win-win rationale, offering somet...

In this episode of Cash Flow Conversations with Fexingo, Lucas and Luna drill into a silent cash-flow killer: inventory. Lucas explains why holding too much stock can tie up 30 to 50 percent of a small business's working capital, using the example of a Seattle-based coffee roaster that lost $120,000 in a single quarter because it couldn't turn green beans into cash fast enough. They walk through t...

In this episode, Lucas and Luna explore dynamic discounting, a financing strategy that lets buyers offer early payment discounts that increase as the payment date approaches, creating a win-win for both sides. Using the example of a mid-sized manufacturer named Precision Components, they walk through how a supplier can turn a 2/10 net 30 discount into an effective annual return of over 20 percent,...

Episode 4 of Cash Flow Conversations with Fexingo: Lucas and Luna drill into Days Payable Outstanding — the metric that quietly shapes supplier relationships and working capital costs. Using the example of a mid-sized manufacturer that stretched payments from 30 to 75 days, they show how a high DPO can backfire through higher prices, shorter payment terms from suppliers, or even supply disruptions...

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 somet...

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 d...

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 heal...