I'm doing research on lending to AI startups. The thing I'm trying to understand is the timing between paying for compute and getting paid by customers.

Your GPU or API bill is due every month but enterprise customers can take 60 or 90 days to pay. Has that ever caused an actual cash problem for you? How did you cover it, whether that was raising, venture debt, a bank line, credits, or getting customers to prepay? Did you ever look at financing your invoices?

Not selling anything. Just want to hear how people actually deal with it.

Edit: let just say net30, I am not in enterprise sales…

Edit: if you are charging upfront for usage on net30 there still is a working capital gap right? Or is it possible to net0?