Working with large clients is a major opportunity for companies in the information technology (IT) and software space, whether they’re focused on integration, migration, or management.
These contracts provide stability and credibility but can come with the downside of long payment terms that can stretch to 60, 90, or even 120 days. Delayed payments create cash flow bottlenecks, making it difficult to cover payroll, invest in new technology, and scale operations.
Read on to learn how non-debt, flexible solutions from Raistone help IT and software companies overcome common financial challenges.
Long payment terms and rising costs strain IT and software companies
Lengthy payment terms from enterprise clients or government contracts can leave companies in a liquidity crunch. A study by Taulia, a Raistone partner, found that 51% of businesses report being paid late.
When combined with the payment terms that many large clients negotiate, it’s no surprise that slow payments significantly alter businesses’ ability to cover expenses and invest in growth.
This challenge is further compounded by rising costs in IT infrastructure, cybersecurity, and skilled labor. With more companies migrating to cloud-based systems and digital transformation initiatives accelerating, demand is high, but so is the need for capital to sustain operations.
Non-debt financing for scalable growth
Accounts Receivable Finance (ARF) is a smart solution that allows IT and software firms to bridge the gap between invoice issuance and payment. Instead of waiting months, companies can unlock working capital almost immediately. This enables them to maintain operational efficiency, support ongoing development, and seize new growth opportunities without financial strain.
Unlike traditional loans, ARF is a non-debt financing solution. Businesses can access capital based on their outstanding invoices without adding liabilities to their balance sheets. This makes it an attractive option for companies looking to maintain financial flexibility while meeting operational demands.
Additionally, Raistone solutions integrate seamlessly into financial workflows. Many companies leverage ARF alongside existing treasury management and accounting systems, ensuring a smooth and automated process for managing cash flow.
How IT firms are accelerating payments
Several IT and software companies we’ve worked with have seen success using ARF. For example, one of Raistone’s first clients, an IT firm specializing in Robotic Process Automation (RPA), leveraged our non-debt working capital solution to shorten their payment cycle from 45 days to just three. With quicker access to cash, they were able to pay contractors on time, invest in growth, and scale their services without disruption.
“It’s like a day and night difference for us on cashflow. So instead of having all of this money sitting out in this pipeline days and weeks out, we’re getting it the same week.” — Todd Giardina, CEO Todd’s IT
Additionally, Raistone’s seamless integration with SAP made enrollment fast and easy, enabling the company to accelerate payment on new invoices without disrupting their existing processes.
Accelerate your working capital access
As the industry continues to evolve, financial agility is becoming a key differentiator. Businesses must be able to navigate extended payment cycles while ensuring continuous investment in technology, personnel, and infrastructure. At Raistone, we specialize in helping IT and software firms optimize cash flow and unlock new opportunities. If your business is looking for a way to accelerate payments, strengthen liquidity access, and fuel expansion, reach out to our team of financial experts.
About the author
Roman Lisovskiy is a dedicated sales professional with experience in lead generation, prospecting, and relationship building. He excels at navigating the complexities of sales processes to drive results while remaining committed to understanding client needs. As a Sales Development Representative at Raistone, Roman enjoys the everyday challenges and rewards of connecting with small- and medium-sized businesses and delivering tailored solutions. He earned his bachelor’s degree in communication and media studies from Randolph-Macon College and blends his academic background with practical skills to effectively connect with clients and stakeholders.
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