Trey Rush - Get Paid with Trey

Is your business unknowingly financing late invoices or losing thousands of dollars to credit card processing fees? On this episode of Growing Your Business with Buddy Broyles, independent payment systems broker Trey Rush breaks down the "3% Myth" and reveals how service-based and B2B companies can tighten their terms, eliminate past-due accounts receivable, and protect their bottom-line cash flow .

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Key Takeaways

Nationwide AR Crisis: Over 50% of B2B invoices nationwide are currently past due, directly stalling company cash flow .

The High Cost of Free Financing: Allowing 30- to 60-day unpaid invoices forces businesses to act as zero-interest lenders for their clients while taking on significant financial risk .

The 3% Myth Explained: Credit card processing fees eat away at net profit margins—not gross revenue—often devouring 10% to 20% of a company's actual profits .

Offsetting Card Risk: Businesses can protect profits by passing card processing costs to clients who opt for rewards, while providing cost-effective alternatives like ACH payments on the same invoice .

Card-on-File Automation: Implementing clear terms and conditions allows automated billing or short grace periods, eliminating the headache of chasing late payments .

Fractional Payment Strategy: Independent brokers look beyond basic processing rates to evaluate total business risk, invoicing workflows, and contract enforcement .

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