a lot of affiliate programs are covering 100% of the payments on time regardless of whether ibill pays them.  no offense but it seems like allowing the processor to slow-pay affiliates is not competitive albeit unintentional.  when a similar situation happened to us we fronted a huge nut and had only been in business 6 months when we got stuck.  We are forced to payout on time because we have never paid late and no excuse in the world will change history once a sponsor has paid late, even if only temporarily.  my advice is to pay all of your affiliates on time however possible and deal with ibill money later.  it will make a huge difference in your bottom line 5 years from now due to the loyalty factor 
