Deferred payments is a major short-term financing source for businesses, but pending invoices create complex debt webs. This paper introduces an integral debt netting framework that aims to lower liquidity needs by settling selected invoices thanks to an external financer. For process analysis’s sake, we consider no limit over the financer’s liquidities. The framework models business-to-business obligations as weighted directed multi-graphs and uses various metrics to assess how effectively external financing enables invoice cancellations without fragmenting debts. We propose an algorithm that identifies a first invoice to finance then reduce a group of following invoices, balancing minimal external capital with maximum settled debt. Experiments with synthetic and real data find a good trade-off between total cleared debt and financing needs.