If a CFO, controller, or finance partner is involved in your decision, here’s the simplest way to frame the billing conversation. 

A one-page finance brief should answer: 

• What changes in net collections are realistic in the first 90 days? 
• What does a 20% note in 90+ day A/R do to cash flow? 
• What are the costs and the “risk buffer” for implementation? 
• What metrics will we track in month 1, 2, and 3?