This document discusses strategies for improving cash flow through billing and collections services. It outlines how sending invoices is an expensive process for businesses and often results in late or non-payments, hurting cash flow. The document promotes the service of pre-authorized checking, where customers authorize automatic monthly payments directly from their bank account, saving businesses the costs of invoicing and collections. It provides examples of how much money businesses of different sizes could save each month by using pre-authorized checking and billing services.