How Small Businesses Are Approaching Working Capital

With more than half of small business owners reporting difficulty paying operating expenses, leaders seek new working capital strategies, industry insiders say.

EL PASO , TX, UNITED STATES, August 27, 2026 /EINPresswire.com/ -- Leading invoice factoring company Viva Capital says small businesses across the nation are struggling to keep up with operating expenses and seeking innovative working capital strategies to alleviate the strain. Additional details are available in “4 Smart Working Capital Strategies to Fund Operations,” now live on VivaCF.net.

LENGTHY WAITS FOR CUSTOMER PAYMENTS BEHIND DEMAND

Average business-to-business (B2B) payment terms in the U.S. are set at 45 days, yet just 52 percent of invoices are paid on time, making it difficult for small businesses to cover operating expenses.

> Working Capital Deficits: Nearly three in five owners say a single late payment makes it hard to cover payroll or bills.
> Paying Operating Expenses is a Challenge: Over half say covering operating expenses is difficult.
> Delayed Payments Ripple: Delayed customer payments double the risk that a small business will delay its own payments.
> Financing Demand: More than half of those applying for business financing do so to meet operating expenses.
> Funding Leaves a Gap: Nearly half have unmet funding needs, either because they don’t apply for financing, are denied, or receive insufficient support.

“Small business owners are calling for smarter working capital strategies because they’re seeing it impact everything from ordering supplies to vendor relationships and customer relationships,” explains Armando Armendariz, Director of Business Development of Viva Capital.

FOUR KEY WORKING CAPITAL STRATEGIES DOMINATE THE LANDSCAPE

Armendariz notes that small businesses are maintaining operational momentum by focusing on four key areas.

> Accelerate Cash Inflows: By reducing the time it takes to get paid, inflows keep pace with outflows better.
> Delay Cash Outflows: By slowing vendor payments and other expenses, working capital stays stronger.
> Improve Inventory Management: By timing inventory purchases and offloading surplus inventory, capital is freed for other operating expenses.
> Secure External Funding: For those who are not debt-averse or discouraged and can qualify, external funding remains a primary solution.

“Business owners often think of loans and lines of credit when external funding comes up, but there are alternatives,” Armendariz adds. “Invoice factoring, for example, is more accessible than traditional financing and doesn’t add debt to balance sheets.”

Those interested in learning more about invoice factoring or who want to request a complimentary quote from Viva Capital may do so by visiting VivaCF.net.

ABOUT VIVA

Founded in 1999 in El Paso, Texas, and often regarded as one of the best factoring companies, Viva Capital Funding helps B2B businesses of all types accelerate cash flow through specialized funding solutions like invoice factoring, accounts receivable financing, and asset-based lending. Their simple qualification process makes it easy for small and mid-sized companies to secure vital funding, even without credit or time in business. Additional information is available at VivaCF.net.

Armando Armendariz
Viva Capital Funding
+1 915-615-6664
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