How Chexy Helps Small Businesses Boost Cashflow & Free Up Working Capital

Cash flow is the lifeblood of any business. Whether you’re managing payroll, buying inventory, or covering day-to-day expenses, having access to working capital can make or break your growth. But what if you could free up thousands of dollars, without borrowing from a bank?

That’s where Chexy comes in. By using your credit card (even when vendors don’t accept credit card payments directly), you can extend your bill payments by up to 60 interest-free days, keeping more cash in your account for longer.

Here’s how it works and why it’s a smarter move than taking out a loan or borrowing from a line of credit.

The Power of Boosting Your Cash Flow

Let’s break down a real example of how one small business used Chexy to create 105 extra days of working capital:

If you were to take out a line of credit and pay a 10% annual interest rate, you’d be paying 2.88% to borrow money for 105 days. This is more expensive than Chexy’s 1.75% fee!

Not to mention, Chexy’s fee is predictable, unlike a line of credit interest rate that sometimes fluctuates. Some vendors also add a surcharge for credit card payments, but offer early payment discounts for using PAD or Bill Pay (which is how Chexy pays them).

Why This Matters for Your Business

More days with cash in hand mean more opportunities for growth. With the extra money available, you can:

• Invest in inventory to meet demand

• Cover payroll without scrambling for funds

• Take advantage of early payment or bulk purchase discounts from suppliers

• Avoid taking out a line of credit or business loan

More Reasons Small Businesses Use Chexy

While boosting cash flow is a huge win, it’s not the only reason businesses are turning to Chexy. Here are a few more perks:

Earn Credit Card Rewards

With Chexy, you still get to earn points, miles, or cashback on every payment, even if the vendor doesn’t accept credit cards. That’s free travel or statement credits, all from paying regular business expenses.

You can also earn up to 100,000 Aeroplan® points* by using Chexy for 3 consecutive months. See all details at the bottom of this page.

Boost Your Tax Efficiency

Because many business expenses paid through Chexy are tax-deductible (including the Chexy fee itself in most cases), you can turn regular payments into tax advantages, especially when paired with a premium business credit card that offers rewards or statement credits.

No Disruption to Vendor Relationships

Your vendors still get paid via Interac e-Transfer, pre-authorized debit, or Bill Pay, on time and in full. There’s no need to ask them to accept credit cards, as Chexy handles that behind the scenes.

Predictable, Transparent Pricing

With a flat, 1.75% fee, Chexy gives you a cost-effective alternative to high-interest loans and lines of credit. No surprises, no fluctuating rates, and the lowest cost on the market.

Ready to Boost Your Cash Flow?

With Chexy, your suppliers get paid on time (or even early!) and you keep your cash for longer. That’s a win-win for all parties involved.

If you run a small business looking to free up capital, invest in your growth, and stop worrying about cash flow, Chexy is the solution for you.

Get started with Chexy today.

Explore more benefits of using Chexy for your small business:

• Earn big rewards on everyday business expenses

• Boost tax effiency