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B2B startups must collect at least 100% of monthly MRR in cash, ideally 110%+. Many collect only 60-70% due to poor invoicing follow-up, shrinking runway. Annual prepaid deals, upsells, and renewals boost cash. Paying sales commissions on unpaid deals worsens the gap. An AI agent built on Bill.com, Quickbooks, and Brex automates collections.
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