How Cheque Helps Service Businesses Get Paid Faster with Dynamic Discounting

Adrienne interviews Julia, founder of Cheque, who moved from Sweden to the US after leaving her role at a Stockholm accelerator to start an invoicing platform for service businesses. Drawing on interviews with about 100 service providers, Julia explains how Cheque uses dynamic discounting—letting businesses offer optional discounted net 5 or net 10 terms alongside standard net terms—so clients can pay early for a 1%–3% discount, helping vendors improve cash flow without relying on lines of credit or factoring. They discuss the realities of entrepreneurship, the pain points in existing bookkeeping and invoicing tools, and Cheque’s longer-term vision for a “credit exchange without credit” that could route early-payment demand across the platform. Julia shares how to contact her and notes Cheque’s free plan and QuickBooks integration.

Contact Julia on LinkedIn: https://www.linkedin.com/in/juliadelin/

Cheque Website: https://www.chequepay.co/

Contact Adrienne on LinkedIn: https://www.linkedin.com/in/adriennewilkerson/

Beacon Media & Marketing Website: https://www.beaconmm.com/

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00:00 Welcome and Introductions

00:18 Julia’s Founder Story

01:29 How Cheque Works

02:37 Taking the Leap