How Next-Day Funding Improves Cash Flow

Waiting two or three days for card settlements introduces painful friction. Payroll, inventory restocks, and vendor payments all bunch up when deposits lag. Next-day funding untangles that knot.

Predictable cash cycles

Banks reconcile ACH windows nightly. By aligning settlement cutoffs with your deposit schedule, you reclaim visibility.

• Close batches by 9pm local time.
• Receive deposits by 7am the following morning.
• Weekends included, no manual requests required.

Budget with rolling forecasts

When cash hits daily, finance can plan with accuracy. This sample spreadsheet formula drives our customers’ rolling cash models:

const projectCash = ({
  openingBalance,
  dailySales,
  operatingExpenses,
}: {
  openingBalance: number;
  dailySales: number[];
  operatingExpenses: number[];
}) => {
  return dailySales.map((sales, index) => {
    const expenses = operatingExpenses[index] ?? 0;
    const closingBalance = openingBalance + sales - expenses;
    openingBalance = closingBalance;
    return closingBalance;
  });
};

Pair this with Florpay’s next-day funding report to forecast inventory buys and payroll coverage with confidence.

Reinvest faster

Operators who move cash quickly back into the business grow faster. Florpay & Co. partners report investing savings in:

1. Opening secondary locations.
2. Hiring retention-driving staff.
3. Upgrading guest-facing technology.

Next-day funding doesn’t just stabilize operations—it creates momentum.