How FINTX Helps Subcontractors Reduce DSO and Strengthen Cash Flow

For subcontractors, cash flow is survival.
Every delayed payment puts pressure on your ability to make payroll, buy materials, and take on new jobs.
The longer your customers take to pay, the harder it is to grow and compete.

At FINTX, we focus on one critical metric that impacts every subcontractor’s financial health: Days Sales Outstanding (DSO).

Reducing DSO isn’t just an accounting goal — it’s a competitive advantage. Here's how FINTX helps you achieve it.

What is DSO, and Why Does It Matter?

DSO measures the average number of days it takes to collect payment after issuing an invoice.

Lower DSO = Faster cash in your account
Higher DSO = More money stuck in limbo

Example:

• Issue an invoice on Day 0
• Get paid on Day 60
• DSO = 60 days

A subcontractor with a 30-day DSO will outperform a subcontractor with a 90-day DSO — even if both have the same sales volume — because they have faster access to their cash.

High DSO causes:

• Cash flow shortages
• Increased borrowing
• Missed growth opportunities
• Higher risk of business failure

Reducing DSO is not optional if you want to stay competitive.

How FINTX Reduces DSO for Subcontractors

1. Clearer, Faster Invoicing

FINTX makes it simple to send professional, detailed invoices immediately:

• Invoice directly from project milestones
• Automatically calculate retainage
• Sync seamlessly with QuickBooks Online. No waiting days or weeks to prepare paperwork — the faster you invoice, the faster the payment clock starts ticking.

2. Integrated Payments

With FINTX, customers can pay you easily via:

• ACH bank transfer
• Credit card
• Net terms financing

We embed payment options right into your invoices, removing friction and making it easy for customers to pay you immediately.

3. Automated Reminders and Alerts

Chasing down payments manually wastes time and damages relationships.
FINTX automatically sends:

• Gentle reminders before invoices are due
• Follow-up emails after due dates pass
• Custom escalation paths if payments are severely overdue

Polite persistence — without you lifting a finger.

4. Real-Time AR Visibility

Our dashboard shows:

• Outstanding invoices
• Aging buckets
• Retainage held
• Projected cash inflow

With this real-time information, your team can prioritize collection efforts where they matter most — not just react blindly.

5. Proactive Retainage Management

Retainage often traps significant cash.
FINTX tracks retainage separately and prompts you when it's time to release and invoice it, keeping final payments from slipping through the cracks.

Why Reducing DSO Transforms Your Business

Subcontractors with lower DSO are simply stronger businesses:

• More cash to fund materials, equipment, and payroll
• Less reliance on credit lines and high-interest borrowing
• Greater ability to take on larger or multiple projects
• More competitive pricing since you aren’t padding bids to offset financing risks
• Stronger negotiating power with suppliers and partners

When you reduce DSO, you don’t just survive — you compete and win.

Final Thoughts

In subcontracting, cash isn’t just king — it’s the engine that drives your ability to deliver, grow, and win new work.

FINTX was built to help subcontractors tackle one of their biggest cash flow challenges: getting paid faster.
By reducing DSO, FINTX helps you unlock trapped cash, strengthen your operations, and compete with bigger players — without bigger headaches.

Ready to tighten your cash cycle and fuel your next phase of growth?
[Schedule a Demo] and see how FINTX can help you win more by waiting less.

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