Dan, you are correct with reference to getting paid by customers.  I know in the last few years with my business long standing customers were stringing out paying me.  Some I had had 15-20 years as customers.  Money wasn't coming in to them so it wasn't trickling down to me.  I have seen the same thing happen at the machine shop.  Big, national outfits taking 60-90 days and if you don't like it, too bad.
So now you are a tool maker by trade!
Dan