Separating what the customer pays from when the company gets paid

• cash
• instalment
• financing
• invoice
• deposit
• payment plan
• factoring

• Is the constraint the customer's willingness or the company's cash timing?
• What would a third party charge to advance this cash?
• What happens to the company if the customer defaults mid-term?
• Is the buyer a consumer or a business? The rules differ sharply.

• cash position and monthly burn
• default and late-payment history
• cost of available financing or factoring
• average contract value and term

• Cash timing, not demand
• No appetite from the buyer for a large single payment

• If
  The customer will commit annually but wants to pay monthly
  Then
  The gap is a financing question, not a pricing one — and it can often be structured.
• If
  Default history is unknown
  Then
  Do not advance cash against unproven payers. Prove the payment behaviour first.
• If
  The buyer is a consumer
  Then
  Treat any instalment or financing arrangement as regulated until a professional confirms otherwise.

Run one real transaction end to end under the new structure before offering it to anyone else.

Read after 45 days.

• The single transaction completes, cash arrives as modelled, and the paperwork survives review

• The structure cannot be documented clearly
• Professional review flags regulatory exposure the company cannot carry

• The single transaction works cleanly → Operationalise it, with the same documents.
• It does not → Stop. A structure that fails once at low volume fails worse at high volume.

Aury can carry out: read company, prepare document, flag risk, file memory. Specialists involved: finance, operations.

Your approval: Nothing here is executed by Aurygine. Every financing or instalment structure is founder-approved and professionally reviewed first.

This needs legal review — get a qualified professional to look at your specifics before anything is signed or sent.

Applies only where the demand is proven and the gap is genuinely timing. Availability and legality vary by jurisdiction and buyer type.

This is not legal, tax or financial advice, and a founder anecdote is not a compliance opinion. Consumer credit, invoice financing and instalment sales are regulated in most jurisdictions. Always test one transaction before operationalising anything.

• Sourced operator experience: Founder/operator case study analysed inside Aurygine — bootstrapped B2B software company, 2026
• Aurygine synthesis: Aurygine synthesis across founder journeys

Confidence: low. Last reviewed 2026-08-25. Your company's own recorded results override this playbook whenever the two disagree.