The Hidden Market Behind Late Payments
For millions of small businesses, freelancers, and independent contractors, the hardest part of a job isn’t delivering the work—it’s getting paid for it.
Invoices drift past due, clients delay “processing,” and small business owners quietly become lenders without consent.
According to a recent survey by the National Federation of Independent Business, 64% of small businesses report cash-flow challenges linked directly to unpaid or late invoices.
Every late payment represents a small breach of trust. On one side, a contractor extends services in good faith.
The problem isn’t just administrative.
IOU is building the infrastructure of trust to tackle this issue.
Author's summary: IOU tackles late payments for small businesses.
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