Business-to-business late payment: recover cash by selling the debt

Late payment between businesses is one of the main causes of cash-flow strain for SMEs. A client who doesn't pay at 90, 120 or 180 days can put a perfectly healthy supplier in trouble.

The payment-chain problem

When a big client is late, the small supplier suffers: they must keep paying wages and suppliers without having been paid. Chasing the debt can damage a commercial relationship worth keeping.

Assignment as an alternative

Selling the debt to an investor lets you recover cash now and hand off the collection. And it can be done confidentially, without publicly exposing the debtor's details.

• Recover cash without waiting for the agreed due date.
• Don't tie up your team chasing payment.
• Keep the focus on your business.

If you are carrying unpaid B2B invoices, put them up for sale and turn that receivable into liquidity.