The FinFloh Blog

Introduction For any B2B business, your banking partner is more than just a place to store money — it’s the backbone of how you manage collections, payments, and cash flow. A reliable banking partner helps your business handle high-value transactions, manage liquidity, and ensure smooth reconciliation between payments and invoices. But here’s the reality: while […]

Introduction Cash flow is the backbone of every business — yet, long receivable cycles can slow down even the most efficient finance teams. Waiting 30, 60, or 90 days for payments can create liquidity gaps, hinder operations, and impact growth. Early-payment discounts, or trade promotions for early payments, are an effective lever to encourage faster […]

Banks, NBFCs, and digital lending institutions across emerging markets struggle with a persistent problem:need to automate journal entries in ERP for every loan repayment, settlement, fee, tax, restructuring event, or write-off. These delays not only slow down financial close cycles but also create inconsistencies between the Loan Management System (LMS), Core Banking System (CBS), and […]

SAGE has long been a trusted accounting and ERP platform for businesses that need stronger financial controls, multi-entity support, and end-to-end operational visibility. But as companies scale, the invoice-to-cash (I2C) process becomes more complex — and SAGE’s native tools often fall short in handling high-volume receivables, payment reconciliation, and collections automation. Understanding where SAGE performs […]

Every finance team has dealt with this at some point: money hits the bank account, but mysteriously, the system still shows overdue invoices. The culprit is usually unapplied credit — a small issue that quietly snowballs into unnecessary follow-ups, reporting confusion, and month-end frustration. Let’s break down what unapplied credit actually is, why it appears […]

Learn how robotic process automation streamlines invoicing, tracking, and reconciliation to improve working capital visibility. Table of Contents Introduction Finance teams today operate under mounting pressure — accelerate cash inflows, reduce DSO, and maintain real-time visibility into working capital. Yet, many organizations still rely on manual workflows for managing receivables, including invoice generation, follow-ups, and […]

Table of Contents Introduction Late payments aren’t just frustrating — they interrupt cash flow, delay growth, and strain customer relationships. For finance teams managing dozens of accounts, chasing overdue invoices can feel endless.That’s where payment penalty enforcement comes in — not as a punishment, but as a tool to ensure accountability and discipline in the […]

Table of Contents What Does an Outstanding Invoice Mean? An outstanding invoice is an invoice that has been issued but has not yet been paid by the customer, even though the due date may or may not have passed. It simply represents money owed to your business for goods or services already delivered.If the payment […]

Businesses lose millions every year due to delayed payments, broken follow-ups, and poor debtor communication. All of this happens when firms don’t have the right Collection Strategy to be followed. To implement the right collection strategy, a well-designed collection letter strategy helps recover dues faster, maintain customer relationships, and reduce average days delinquent (ADD). The […]

Accelerated Customer Onboarding in Salesforce Powered by FinFloh’s ML-driven credit intelligence and automated onboarding decisions Table of Contents Introduction Modern revenue teams are under pressure to onboard customers faster while minimizing risk and maximizing profitable growth. But traditional onboarding workflows depend heavily on intuition, manual research, and fragmented communication between Sales, Finance, and Legal. This […]

Table of Contents What is GAAP and Why It Matters Generally Accepted Accounting Principles (GAAP) represent the standardized framework of rules and guidelines used for financial reporting. They enable consistency, transparency, and comparability for investors, regulators, lenders, and internal decision-makers. Core Principles of GAAP GAAP and Its Impact on the Order-to-Cash (O2C) Cycle The O2C […]

Table of Contents Introduction Credit scoring has long been a cornerstone of financial risk assessment. Traditionally, lenders and businesses extending trade credit relied on static, backward-looking information such as credit bureau scores, limited financial ratios, qualitative judgment, and standard risk scorecards. While this approach worked in simpler environments, today’s dynamic and data-rich world demands something […]