Accounts Receivable:
Turning Waiting Time into Working Capital
Every operator knows the weight of A/R:
Cash earned but out of reach.
It shows up as a line item on your balance sheet, but what doesn’t show up are the costs of waiting 30, 60, even 90+ days to get paid: the opportunities you can’t take, the relationships strained, and the growth that’s stuck on the books when capital is locked in receivables.
Across the cannabis supply chain, operators are carrying more than $4 billion in unpaid invoices. That figure is more than a stat; it’s a weight that slows growth and stalls opportunity.
ReadyPaid, the first Buy Now, Pay Later (BNPL) solution for the hemp and cannabis industry, was built to turn that weight into working capital and momentum. With ReadyPaid, sellers get paid upfront, while buyers have the flexibility to pay over time.
Here’s what it looks like in practice, using a simplified
real-world scenario:
With vs. Without BNPL:
Hemp Beverage Brand and Retail Chain
Stoney Sue’s Beverages just secured her first $100,000 purchase order from a regional retail chain. To fill it, Sue spent about $70,000 on ingredients, packaging, and production, nearly all her remaining working capital after covering day-to-day expenses.
She delivered the order with and invoiced her customer with payment due in 30 days (Net 30 terms). Two weeks later, the retailer came back asking for another shipment of the same size. A great sign for demand, but Sue couldn’t take it. Her cash, and her momentum, were tied up until that invoice cleared.
That left her with just one $100,000 order for the month ($1.2M annually from this account) but no room to scale.
Now meet Chronic Chris Beverages, a ReadyPaid partner set up to offer customers flexible payment terms without tying up his own capital. Chris had the same opportunity: a first $100,000 purchase order from another regional chain. But unlike Sue, he didn’t have to wait.
Upon fulfilling the order, ReadyPaid let him offer Net 30 terms and still get paid upfront: $95,000 (after a 5% fee). With production costs quickly recouped, he kept his liquidity and had cash on hand to reinvest in his business.
So when his retailer came back two weeks later with another $100,000 reorder, Chris didn’t have to wait. He said yes with confidence, knowing ReadyPaid had his back to keep his cashflow intact.
The new account closed $200,000 in revenue that month. Annualized, that’s $2.4M in gross revenue from this account alone, all because he was liquid and could move fast when opportunity struck.
This is a simplified scenario from real-world data, but the point is clear:
Having resources available creates leverage.
And with that leverage comes momentum.
The ability to keep saying yes, turn reorders into relationships,
and build a growth curve that keeps arcing upward.
Leverage doesn’t just free cash. It multiplies growth.
Resources create leverage.
Leverage creates momentum.
Momentum creates margin.
Liquidity on one side creates confidence and control on the other,
giving buyers the flexibility to manage cash flow and scale on their terms.
Beyond Cash Flow:
The Opportunity for Both Sides
The upside of ReadyPaid isn’t just on the seller’s side. Buyers benefit too.
Because Chronic Chris could keep producing, his retail partner didn’t have to hold back. Using ReadyPaid allowed them to align their repayment with their revenue cycle. That meant they could order enough to meet demand, keep shelves stocked, and manage cash flow without overextending. A win for every link in the chain.
When buyers have that kind of flexibility, they think bigger. They stock more confidently. They reorder sooner. And they deepen loyalty with vendors who make growth easy.
For sellers, those shifts add up to something even more powerful: predictable revenue and momentum that keeps the business moving forward.
With ReadyPaid, sellers are funded upfront while buyers gain flexibility on the back end. Both sides move at the pace of opportunity…and both sides grow.
Are You Ready?
Waiting to get paid doesn’t just slow cash flow,
it slows growth.
ReadyPaid removes that drag, giving sellers momentum, buyers confidence, and the entire supply chain room to grow.
ReadyPaid helps cash flow match the pace of your business.
See how ReadyPaid can work for you.
Get the working capital you need. Fast.
Approvals in as little as 24 hours
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