{"id":8881,"date":"2026-09-03T09:32:54","date_gmt":"2026-09-03T09:32:54","guid":{"rendered":"https:\/\/www.xolv.nl\/?post_type=nieuwsitem&#038;p=8881"},"modified":"2026-09-03T09:32:54","modified_gmt":"2026-09-03T09:32:54","slug":"do-you-finance-your-customer","status":"publish","type":"nieuwsitem","link":"https:\/\/www.xolv.nl\/en\/nieuwsitem\/financier-jij-jouw-klant\/","title":{"rendered":"Do you provide financing for your customer?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Let\u2019s take a calculation example involving a business with an annual turnover of ten million. With a payment term of thirty days, outstanding receivables amount to \u20ac0.82 million. With a payment term of sixty days, the figure rises to \u20ac1.64 million. Imagine if the payment term were ninety or even one hundred and twenty days\u2026 These are substantial sums that cannot be utilised immediately for stock, investments, salaries or growth. And if you do grow, the problem actually gets worse. Just try doing the same calculation with a turnover of 15 million.\u00a0<\/span><\/p>\n<h2>Days Sales Outstanding<\/h2>\n<p><span style=\"font-weight: 400;\">It is also important to keep a close eye on DSO (Days Sales Outstanding) \u2013 the average number of days until payment \u2013 just as much as on turnover, EBITDA and profit margin. A company with a turnover of 10 million and a DSO of ninety days is in a very different financial position to one with a DSO of forty-five days. Reducing the DSO by fifteen days can quickly free up around \u20ac820,000 in working capital.\u00a0<\/span><\/p>\n<h2>Choice or fate?<\/h2>\n<p><span style=\"font-weight: 400;\">There are sectors where payment terms of ninety or even one hundred and twenty days are commonplace. The question, then, is not how quickly you can get your customer to pay, but how you can prevent your business from having to wait unnecessarily for funds. Factoring offers a solution to this. You can use your invoice portfolio to gain access to liquidity more quickly, whilst allowing your customer to stick to their usual payment terms.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>If a customer only pays after ninety days, until then you are not just the supplier, but also the financier. You send an invoice; the turnover has been realised. But the money hasn\u2019t come in yet. The later the customer pays, the longer your working capital is tied up. Now that interest and financing costs are rising again, this naturally makes an even greater difference. <\/p>","protected":false},"featured_media":8882,"template":"","onderwerp":[19],"class_list":["post-8881","nieuwsitem","type-nieuwsitem","status-publish","has-post-thumbnail","hentry","onderwerp-werkkapitaalfinanciering"],"_links":{"self":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/nieuwsitem\/8881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/nieuwsitem"}],"about":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/types\/nieuwsitem"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/media\/8882"}],"wp:attachment":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/media?parent=8881"}],"wp:term":[{"taxonomy":"onderwerp","embeddable":true,"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/onderwerp?post=8881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}