Improving Cash Flow with Nuvei Invoice Financing

Solving Cash Flow Challenges

When you need cash flow to cover payroll, pay suppliers, or invest in growth, waiting 30, 60, or even 90 days for customer payments is not an option. With Nuvei (formerly Paya) Invoice Financing, you get up to 90% of the invoice value upfront, providing the liquidity you need when you need it most​. In this blog post we explore cash flow challenges and how Nuvei provides the solution.

Challenges of Maintaining Steady Cash Flow

Maintaining consistent cash flow can be a significant challenge for small and medium-sized businesses (SMBs). It’s not simply having enough cash on hand. It’s about timing — when your money comes in versus when it needs to go out. A delayed payment from a customer, an unexpected expense, or even seasonal fluctuations can all lead to cash flow problems. Studies show that 82% of failed small businesses attribute their demise to poor cash flow management, with delayed receivables being a key contributor​.

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Many SMBs operate with thin cash reserves, leaving little room to maneuver when payments are delayed. One study found that 50% of small businesses had fewer than fifteen cash buffer days, and only 40% had more than three weeks. This can put enormous pressure on your business’s ability to meet payroll, pay suppliers, or invest in new growth opportunities. If your company feels this pinch, it’s time to consider solutions to help bridge the gap.

That’s where Nuvei Invoice Financing — formerly known as Paya Invoice Financing — can make the difference. Unlike other financing options you may have considered, this one integrates with Sage 100 (Sage Intacct coming soon), offering an efficient, powerful tool to maintain healthy cash flows. access Nuvei’s Invoice Financing solutions directly within their ERP systems

Understanding the Cash Flow Problem—DSO and Late Payments

One of the most critical metrics for cash flow health is days sales outstanding (DSO). DSO measures the average days your business takes to collect payment after a sale. A high DSO means your cash is tied up in receivables, which can starve your business of liquidity. According to industry benchmarks, 50% of businesses experience late payments regularly, increasing DSO and causing cash flow challenges​.

The longer it takes to collect on outstanding invoices, the fewer resources you have to pay bills, invest in operations, or take advantage of growth opportunities. It’s a vicious cycle: cash tied up in receivables limits your ability to move the business forward. Traditional loans might not always be the best solution, especially when the short-term cash flow issue is tied to receivables.

Why Invoice Financing is a Smart Solution

Invoice financing is an increasingly popular tool for solving cash flow challenges. Unlike invoice factoring, where your business sells its invoices to a third-party company that then collects payments from your customers, invoice financing allows you to use your unpaid invoices as collateral for a line of credit. In this way, you retain control of your customer relationships while gaining quick access to the cash you need.

With Nuvei Invoice Financing, your business can borrow against its receivables and get up to 90% of the invoice value upfront. Then, when the customer pays, you receive the remaining balance minus a small fee. This model keeps cash flowing without the complications or customer disruptions associated with factoring.

Nuvei Invoice Financing Integrated with Sage 100

However, Nuvei Invoice Financing stands out even more because of its integration with Sage 100, a leading ERP solution for SMBs. You can initiate the entire invoice financing process directly from Sage 100. Once the financing is approved, Sage 100 automatically creates the journal entries for you, making this solution convenient and simplifies your accounting workflow.

Key Advantages of Nuvei Invoice Financing for Sage 100

Maintaining Customer Relationships

Unlike invoice factoring, where a third-party company collects payment directly from your customers, Nuvei Invoice Financing allows you to maintain control over your accounts receivable. Your customers don’t need to know that you’re using a financing solution, preserving your business relationships.

Fast Access to Cash

When you need cash flow to cover payroll, pay suppliers, or invest in growth, waiting 30, 60, or even 90 days for customer payments is not an option. With Nuvei, you get up to 90% of the invoice value upfront, providing the liquidity you need when you need it most​.

Lower DSO, Faster Growth

By financing your invoices, you can effectively lower your DSO, meaning you don’t have to wait for customers to pay before accessing cash. It’s a strategic move that allows you to keep your business running smoothly, even during periods of delayed payments.

Fully Integrated with Sage 100

One of the standout features of Nuvei Invoice Financing is its integration with Sage 100. You can initiate the financing process from within the Sage 100 interface and track its progress. Sage 100 even handles the journal entries for you, eliminating the need for manual data entry and reducing the risk of errors.

Improved Financial Reporting

Because the entire process is handled within Sage 100, you can easily track financed invoices, outstanding balances, and payments. This provides better visibility into your cash flow, helping you make informed financial decisions.

Turning Receivables Into Resources

Healthy cash flow allows your business to meet its financial obligations, invest in new opportunities, and grow your business. By lowering your DSO and maintaining strong, consistent cash flows, you free up resources that can be used to expand your business, hire new staff, or purchase new equipment.

Nuvei Invoice Financing for Sage 100 is a strategic tool offering more than just quick cash — it can optimize your business’s financial operations without disrupting customer relationships. By integrating directly into your existing accounting platform, Nuvei allows you to manage your receivables financing seamlessly, making it a smart choice for businesses looking to improve their cash flow and keep growing​.

The Bottom Line

If your business struggles with cash flow due to slow-paying customers or fluctuating revenues, Nuvei Invoice Financing can help you unlock the cash tied up in receivables. With fast access to funds and seamless Sage ERP integration, you can lower your DSO, keep cash flowing, and focus on growing your business. Contact us to learn more about it. Be sure to join us for a webinar: Streamline Your AR Process with an Integrated Customer Portal