Buyers Want to Pay Later. Suppliers Want Cash Earlier. Who Funds the Difference?

The oldest tension in B2B payments is becoming one of its newest business models. A dollar cannot simultaneously stay longer on the buyer’s balance sheet and arrive earlier on the supplier’s balance sheet unless somebody finances the interval. And while the modernization of B2B payments is well underway, with checks steadily losing ground to ACH, virtual cards and other electronic methods, the central working-capital conflict remains largely unchanged.