Working capital · Dynamic Discount
Pay suppliers early.
Capture 5.4% net on idle cash.
Your suppliers accept a 1.2% discount to be paid on D+5 instead of D+75. Your company keeps the spread — 5.4% net annualised on cash that was earning 2% in the bank. No drawdown on credit lines. No impact on the balance sheet.
The maths
1.2% discount across 70 days = 5.4% annualised.
01 · Supplier
Offers a 1.2% discount
In exchange for being paid on D+5 instead of D+75. Covers their own cost of capital, improves cash flow, and avoids reaching for factoring.
discount on invoice value
02 · You
Pay 70 days early
With cash that would otherwise earn 2% in a term deposit. No new credit. No collateral. No impact on the balance sheet.
pulled forward · D+5 vs D+75
03 · The return
Capture 5.4% net per year
After Advanta's fee (15% of the spread, you keep 85%). That is 3.4 percentage points above a deposit, on an equally liquid asset.
net annualised · vs 2% in the bank
Why it works
One of the few cash-equivalent uses that genuinely beats the deposit, without taking on new operating risk.
Each operation is self-liquidating
Cash leaves (to the supplier) and returns (from your customer) within 75 days. No open line. No covenant.
Doesn't draw on debt or rating
It isn't a loan. It is working capital recycled earlier. The credit risk stays with the supplier, not with you.
AI suggests the right offer
For every invoice: discount, day, acceptance probability, expected yield. You decide whether to accept.
Native ERP connection
SAP, Oracle NetSuite, Sage Intacct, Microsoft Dynamics 365, Xero, NetSuite, Workday. Eligible invoices surface automatically, with no CSV exports.
What did your idle cash earn this week?
Dynamic discount doesn't replace credit — it replaces a term deposit. Run the numbers in two minutes.
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