Advise · they argue it out · they split: 42% agree
Our biggest client is 60 days late and payroll is due in three weeks. Chase them harder, or take a short-term loan?
The Fractional CFO: Map the next 13 weeks of cash before you choose. A loan you can repay is cheaper than a payroll you miss.
The Diplomatic Negotiator: Call them this week and offer a small discount to pay now. Most late payers respond to a date, not a reminder.