Service
Receivables & Working Capital
The cheapest capital most companies can raise is sitting in their own aging report. The awkward collection call is what a missing process feels like.
The work
What the work actually is.
AR aging as a cash lever: collection cadence, terms discipline, the working-capital cycle measured.
The pattern: invoices go out at month-end instead of at completion, follow-up depends on someone remembering, and terms are whatever the customer asked for. The result reads as a financing gap and gets solved with borrowing: the company pays interest to fund its customers interest-free, and calls it a cash flow problem.
The work starts with measurement: the cash conversion cycle in days, receivables and payables and inventory, as a trend rather than a snapshot. Then the machinery: invoicing triggered by the work, not the calendar; a collection cadence that runs on schedule rather than on courage; terms set as policy, with exceptions priced and approved instead of negotiated invoice by invoice.
The discipline compounds. A day pulled out of the cycle is not a one-time collection win; it is permanent working capital, released once and kept: the kind of capital that has no interest rate and no board seat.
Deliverables
What you keep.
- Working-capital baseline
- The cash conversion cycle measured in days, with the trend rather than a snapshot: receivables, payables, inventory.
- Collection cadence
- Touches by aging bucket, on a schedule the system keeps.
- Terms policy
- Payment terms set as policy, exceptions priced and approved, not conceded invoice by invoice.
Getting started
The receivables book, bucketed by age and customer: true DSO computed, and the cash an ordinary-discipline collection cycle would release, priced.
The practice
The rest of Finance & CFO Advisory.
- Finance & CFO Advisory overview
- Thirteen-Week Cash Flow A direct-method cash forecast, maintained weekly: foresight as a working instrument.
- Investor Materials & Data Rooms The deck and the data room behind it: narrative and numbers that agree under questioning.
- SBA Loan Packaging A 7(a) file an underwriter can say yes to: coverage reality, equity injection, the lender’s read anticipated.
- Cap Table & Scenario Modeling The ownership record kept clean, and the dilution conversations moved from someday to the calendar.
- Debt & Amortization Modeling Debt schedules that match the loan documents, and covenant headroom watched before it is news.
- Cost Reduction & Spend Analysis Spend taken apart line by line: vendor consolidation, renewals negotiated, the recurring-spend audit.
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