Cat-13 · T135 · B2B Payments & Working Capital

Supplier Payment Terms Optimiser

Model the NPV of early payment discounts against your cost of capital across supplier tiers. Greedy-selection algorithm identifies the optimal subset of suppliers to pay early given a liquidity budget. Outputs DPO crossover analysis and working capital memo.

v1.0
DPO Optimisation NPV Analysis Zero PII Client-Side
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Global Parameters
WACC or hurdle rate (e.g. 8.0 = 8%)
Max cash available for early payments per month
Used for after-tax NPV calculation
Supplier Tiers & Payment Terms
Supplier Name Monthly Spend ($) Standard DPO Early Pay Days Discount Rate (%) Tier
Optimisation Results — Supplier Breakdown
Working Capital Memo