Every net-60 invoice you carry is an interest-free loan you're making to a company probably bigger than yours. They know it - stretching payables is literally their CFO's job. The fix isn't nagging harder; it's restructuring so their timeline stops being your problem.
The three structural fixes
- Factoring / AR financing - sell the invoice, get 85-95% tomorrow, let the factor own the wait. Cost: 1-4% per invoice. This converts 'when they pay' from your cash-flow problem into a known, priceable fee.
- Deposit + progress structures - 30-50% up front on new work, progress billing on anything over 30 days long. Customers who refuse any deposit are telling you how they pay finals, too.
- Early-pay discounts done right - '2/10 net 45' costs you 2% but beats a 3% factoring fee IF customers actually take it. Track uptake; drop what nobody uses.
What your receivables gap actually costs
A business carrying $120K of receivables at a 50-day average collection isn't just waiting - it's renting that money: missed early-pay discounts from suppliers, borrowing to cover the gap, opportunities passed. At even 12% cost of capital that's $1,200/month of invisible burn. Factoring at 2.5% on the slow half of the book often nets out CHEAPER than the do-nothing option once you count what waiting really costs.
Factor selectively if you can
Spot or selective factoring - just your slowest 2-3 payers, not the whole book - concentrates the fee exactly where the pain is. Whole-book contracts trade flexibility for better rates; know which you're signing.
60-Second Funding Check
No credit pull. No obligation. Just a straight answer.
What do you need funding for?
Matched to how your customers pay
Dealerun matches your receivables profile - who owes, how much, how slow - to factoring and AR partners with honest terms. Trucking, repair fleets and B2B suppliers are our daily bread.
Stop financing your customers
See your factoring number - two minutes, no obligation.
FAQ
Will factoring annoy my customers?+
Modern factoring is routine in B2B - your customers' AP departments process factor payments daily. Non-notification structures exist if the optics genuinely matter in your niche.
What if a factored customer never pays?+
Recourse factoring: the invoice comes back to you (cheaper fees). Non-recourse: the factor eats defined insolvency risk (pricier). Either way the factor's credit screening usually flags the deadbeat before you take the job - half the product's value.
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