01
Shorten payment terms before financing receivables
Moving from sixty to thirty days costs nothing. Factoring the same invoices costs twenty percent annualised.
Business playbook · 10 tactics
10 Cash Flow Fixes That Cost Nothing
Most cash flow problems are timing problems, and timing is free to change.
02
Invoice the day the work completes
Invoicing weekly instead of at month end can pull two weeks of cash forward permanently.
03
Take deposits on anything with a long delivery
A deposit funds the work rather than your credit line funding it.
04
Chase at seven days, not thirty
Most late payment is administrative rather than deliberate. A polite reminder before the due date prevents most of it.
05
Reconcile card statements against your software inventory
Shadow subscriptions are invisible until somebody looks. This is usually the fastest recurring saving available.
06
Cancel idle seats quarterly
Licensed but inactive seats are pure waste and nobody in the organisation owns them.
07
Diarise every renewal sixty days ahead
Auto-renewal without review removes your only moment of negotiating leverage.
08
Match payment terms on both sides
Paying suppliers in fifteen days while customers pay in sixty means financing your customers with your own money.
09
Convert every finance offer to APR before comparing
Factor rates, discount rates and daily holdbacks are deliberately incomparable units.
10
Forecast thirteen weeks, not twelve months
A weekly cash forecast a quarter out catches problems while options still exist.
Put it to work
Calculators for these tactics
Business & Tech
Invoice Factoring Cost Calculator
The true annualised cost of factoring, which the headline discount rate hides.
Business & TechBusiness Loan & Credit Line True Cost Calculator
Converts factor rates and daily repayments into an APR you can actually compare.
Business & TechBreak-Even Point Calculator
Units and revenue needed to cover fixed costs, plus margin of safety.
Business & TechSaaS Spend & Seat Waste Calculator
What unused seats and overlapping tools cost, and what consolidation recovers.
Business & TechPayroll Service Cost Calculator
Outsourced payroll against running it in-house, including the cost of getting it wrong.
Estimates, not advice. Every figure here is produced from the inputs you enter and the formula printed on the page. Rules differ by state, carrier, lender and contract, so use these numbers to prepare for a conversation with a qualified professional rather than to replace one. See our full disclaimer.