My biggest customer changed their payment terms to 90 days — how do I cope?

A customer stretching to 90-day terms widens your cash gap without changing the work; invoice finance releases cash as you bill so you keep the account without the strain. A big customer moving from 30 to 90 days doesn't change the work — but it means waiting three months for money you used to see in one. That widens your working-capital cycle sharply.

My biggest customer changed their payment terms

2 min read

Terms stretchedSame work, later pay

Fund the gapInvoice finance

Keep the accountWithout the strain

Why extended terms squeeze you

A big customer moving from 30 to 90 days doesn't change the work — but it means waiting three months for money you used to see in one. That widens your working-capital cycle sharply.

Fund the extended wait

Invoice finance releases most of each invoice's value the day you raise it, so you're effectively paid promptly even though the customer pays on 90 days. Model the release on the invoice finance calculator.

Price it in

Longer terms carry a real cost. Factor the finance into your pricing at renewal so a valued account stays profitable, not just busy.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

How do I fund a customer on 90-day terms?

Invoice finance releases cash from each invoice as you raise it, so you're paid promptly while the customer pays on their extended terms. It's the natural fit for long payment cycles.

Should I accept longer payment terms from a big customer?

Sometimes you must to keep the account, but price the cost of funding the wait into your rates. A big customer on unprofitable terms is a liability, not an asset.