Key Facts
- 86% of US SMBs are willing to invest in new financial solutions for long-term efficiency and growth.
- 53% of US SMBs view their payment systems as a strategic asset to improve cash flow and operations.
- 23% of US consumers changed payment behaviors due to economic pressures, with 23% using BNPL more often.
- 35% of US consumers turned to credit cards for added flexibility amid rising economic uncertainty.
- A payments platform processed nearly $300 billion in annual volume in 2024 across more than 40 countries.
- MultiSafepay supports over 30 payment methods and serves 20,000 merchants and partners globally.
- The 2025 Marqeta report surveyed 3,004 consumers and 1,003 SMBs across the US and UK in April 2025.
Frequently Asked Questions
How does a 30-day payment schedule impact cash flow for small businesses?
Can AI really automate accounts payable for a 30-day cycle?
Is custom AI better than no-code tools for payment automation?
What percentage of SMBs see their payment systems as a strategic asset?
Are SMBs willing to invest in new financial automation solutions?
How can AI help with late payments in a 30-day terms setup?
Turn Payment Delays into Predictable Cash Flow with AI
A 30-day payment schedule isn’t just a timeline—it’s a reflection of your business’s financial health and operational efficiency. As we’ve explored, manual invoice processing, disjointed approval workflows, and lack of real-time visibility often derail even the most well-intentioned payment cycles, especially in SMBs within retail, manufacturing, and service-based industries. These inefficiencies lead to delayed cash flow, missed early-payment discounts, and increased administrative burden—costing teams 20–40 hours per week and extending month-end closes by 15–30%. Off-the-shelf tools and no-code platforms fall short when faced with complex, dynamic payment rules or compliance requirements like SOX. That’s where AIQ Labs steps in. With production-ready AI automation platforms like Agentive AIQ and Briefsy, we enable businesses to automate invoice capture, intelligent approval routing, and payment scheduling—delivering a 30–60 day ROI. You retain full ownership, scalability, and control over your financial workflows. Ready to eliminate bottlenecks and transform your payment operations? Schedule a free AI audit today and discover how a custom AI solution can accelerate your cash flow and reduce manual work—for good.