The total amount of money being transferred into and out of a business

Type of competitor requires a business pays fees upfront on cash advance from a provider, and pay back the cash advance over time as a % of daily sales

The amount of time between when a purchase is made and when the payment is due

The time between when a business makes a payment for key inputs to their business, and when they collect payment for the goods produced using those inputs

The name of a service offered by traditional bill payments vendors like Bill.com, Melio, and Plastiq that enables businesses to pay vendors who don’t directly accept card payments with their regular credit cards

The amount of time between required payments on a balance (e.g., a credit card balance, a working capital solutions balance, a loan); commonly 30 or 60 and sometimes 90 days for working capital solutions

Credit worth a small amount (%) of the value of a purchase, provided to customers as an incentive

Another name for credit cards that offer 45 or 60 days to pay back the card provider (vs. typical 30 day term)

Longer payment terms, often upward of 60 days, that allow companies to reallocate dollars they would use for payment to other business expenses

The amount a business owes to its suppliers and vendors, before it is paid off

Type of lending product mid-market companies are more likely than SMBs to have access to

Capital (i.e., money) available to cover a business' day-to-day expenses (e.g., inventory, marketing, shipping)

The amount a business is owed by its customers for goods or services provided, before it is paid off

These are all examples of this type of competitor: Shopify Capital, Stripe Capital, Square Capital, Wayflyer, ClearCo

Finished goods held by a company available for sale