Cash flow optimization for small business

This isn't a revenue
problem. It's a timing
problem.

You're paying invoices in 7 days when you have net-30 terms. You're not tracking which vendors would accept net-45. You have no idea that moving three payments by two weeks would free up $23,000 in working capital right now. What could you put that to work on?

No credit card required  ·  Connect QuickBooks or forward invoices  ·  Cancel anytime

app.dewdate.com/dashboard
Week of Dec 16 — Payment Plan
Monday Morning Briefing
$31,400 freed up
Apex Supply Co.
Early-pay 2% discount available — saves $168
$8,400
PAY NOW
Midwest Logistics
Net-30 terms. Holding 21 more days frees $12,200
$12,200
HOLD — Day 28
TechRent Inc.
Net-30 terms. No discount offered.
$4,800
HOLD — Day 26
Office Pro
You always pay day 8. They'd accept net-45 easily.
$2,100
RENEGOTIATE
$0
Avg float freed per business
$0
Saved yearly in credit line interest
0 days
Days to see first results
$0
Potential discount savings annually
The problem nobody talks about
“Every small business owner is unknowingly giving their vendors an interest-free loan.

You're paying in 7 days when you have net-30 terms. You're not tracking which vendors would accept net-45. Most business owners think cash flow is a revenue problem — but it's usually a timing problem. Fix the timing, and you fix the cash position, without changing a single dollar of revenue.

Zero friction to first value

Up and running in under 5 minutes

01
QuickBooks + Email

Connect your invoices

Link QuickBooks with one click, or forward invoices to your unique Dewdate email. AI extracts vendor, amount, due date, and terms automatically. No manual data entry.

02
Instant visibility

See your vendor dashboard

Every vendor, their payment terms, your historical average days-to-pay, and a color-coded gap column showing exactly where you're leaving money on the table. Red = you're bleeding cash.

03
Weekly optimization

Get your Monday payment plan

Every Monday morning: pay this now, hold this until day 28, renegotiate this vendor. Each recommendation shows the cash impact in actual dollars — not percentages, not ratios.

Simple by design

Four views. Every answer about your cash flow.

AI Invoice Parsing

Forward a PDF, a scanned receipt, or a raw email. AI extracts every relevant field. If it can't figure something out, it asks one clarifying question — then it's done.

Vendor Dashboard

Color-coded gap analysis. Green = you're using your terms well. Red = you're paying early and bleeding cash. Sortable by dollars left on the table this month.

Weekly Payment Plan

Not just 'what's due' — 'what's optimal.' Every Monday, a prioritized queue with exact hold dates, actual dollar amounts freed, and clear reasoning for every decision.

Renegotiation Scripts

A list of vendors ranked by potential impact. Click any vendor and get a pre-written email to request better terms. One click to copy or send. That's the whole feature.

Cash Flow Impact Tracking

Every hold recommendation shows the real dollar amount sitting in your account longer. Watch your working capital number grow week over week as you execute the plan.

Relationship Risk Scoring

Know which vendors are safe to push and which require careful handling. We flag relationship-sensitive vendors so you never optimize yourself out of a critical supplier.

The real value

What freed working capital actually buys you

Holding a $10,000 invoice until day 28 instead of day 7 keeps $10,000 in your business for three extra weeks. Across 15 vendors, that's $40,000–$80,000 of persistent float.

$4K–$6K/yr saved in interest

Eliminate credit line draws

Most small businesses draw on lines of credit not because they're broke, but because they paid vendors too early. Stop borrowing money you didn't actually need.

$10K/yr on $500K spend

Capture early-pay discounts

Many vendors offer 2/10 net-30 terms. When you have optimized float, you can selectively capture those discounts on your highest-volume vendors.

Asymmetric upside

Buy inventory opportunistically

A competitor closes. A supplier has overstock at 30% off. Business owners with cash can say yes in that moment. Others watch the opportunity pass.

Peace of mind

Make payroll without stress

The single most anxiety-inducing moment in small business. Optimized working capital means that moment almost never happens — not because revenue changed.

Permanent leverage

Negotiate from strength

Cash-rich businesses push back on price increases, wait out bad deals, and demand better terms. Cash-strapped businesses accept everything.

No dilution, no interest

Self-fund growth

Many owners take a $50K bank loan to fund a new hire. If optimized terms create $50K of persistent float, that's the loan — already in your business, interest-free.

Simple pricing

One plan. Unlimited value.

If Dewdate doesn't free up more cash than it costs in the first month, cancel with one click.

Monthly
$49/month

Per business. Unlimited vendors and invoices.

Start 14-day free trial
QuickBooks integration
AI invoice parsing
Weekly payment plan
Vendor dashboard
Renegotiation scripts
Email support
BEST VALUE — SAVE 35%
Annual
$32/month

$588/year$384/year — you save $204

Start 14-day free trial
Everything in monthly
Priority email support
Early access to new features
Dedicated onboarding call
QuickBooks integration
AI invoice parsing

14-day free trial  ·  No credit card required to start  ·  Cancel anytime

From the field

Business owners who stopped the interest-free loan

I had no idea I was paying Midwest Packaging 11 days early every single month. That's $8,000 sitting on their books that should be on mine. Dewdate showed me this in about 4 minutes.

Jason R.
Contractor, 12-person crew

The renegotiation email feature alone paid for this 10x. I sent three emails in one afternoon. Two vendors agreed to net-45 within 48 hours. I never would have asked without the script.

Maria T.
Restaurant owner, 2 locations

My bookkeeper and I used to argue about cash flow every week. Now I just send her the Monday plan. The arguments stopped. The stress stopped. The cash position improved.

Derek K.
Manufacturing, $4M revenue

Find out how much you're
leaving on the table

Connect QuickBooks or forward 30 days of invoices. We'll have your first payment plan ready on Monday morning. Takes 5 minutes to set up.

Start your free trial

14 days free  ·  No credit card  ·  Cancel anytime