Fixing Cash Flow at the Source: From Delayed Payments to Continuous Liquidity

Cash flow—not revenue—is the defining constraint for small businesses. Yet today’s system forces SMBs to wait weeks or months to access money they’ve already earned, while relying on slow, episodic lending to fill the gap. This begs the question: Is this a lending problem or an infrastructure problem?
The panelists examine why cash flow remains broken—and what it would take to fundamentally shift from delayed access to continuous liquidity. The discussion will also include:

• A look at why traditional lending and supply chain finance have not solved the timing problem.
• Where delays occur—payment terms, underwriting, or settlement—and what that means in practical terms for SMBs.
• Whether receivables can be transformed into predictable, on-demand liquidity.
• What the world looks like when SMBs no longer “apply” for capital but rather unlock it automatically—and from whom.