In this episode of the Exploring Enterprise podcast series from the Enterprise Research Centre, Mark Hart is joined by Philip King, previously the Small Business Commissioner and responsible for advising small businesses on their trading relationships and Ant Persse, Chief Executive of Optimum Finance, a specialist invoice finance company  and newly established Saltare Technologies Limited, a Fintech that aims to support businesses with their payment challenges. In this epsiode the discussion reflects on the theme of ‘changing the late payment culture for SMEs’, an issue that is now attracting increasing attention.