Trade credit is a major short-term financing source for businesses, but outstanding invoices create complex debt webs. This paper introduces an integral debt netting framework that aims to simplify accounting by settling selected invoices. The framework models B2B obligations as weighted directed multi-graphs and uses metrics to assess how effectively external financing enables invoice cancellations without fragmenting debts. An accompanying algorithm identifies high-impact invoices to finance, balancing minimal external capital with maximum settled debt. Experiments with synthetic graphs show a robust trade-off between coverage (cleared debt volume) and financing needs. Tests on a large real-world dataset of Italian electronic invoices confirm the algorithm’s effectiveness, highlighting its promise for real application. Future research will address time-dependent scenarios, refine partition strategies, and optimize graph reductions.