Cat-13 · T142 · B2B Payments & Accounts Payable
v1.0

B2B Payment Terms & Working Capital Impact

Two-sided model: buyer extends DPO, seller DSO rises. Calculates bilateral cash conversion cycle delta, early payment discount breakeven rate, supply chain finance cost-benefit, and industry benchmark comparison.

B2B Payments 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. Industry benchmarks are reference estimates. Verify against current primary sources before relying on outputs for commercial or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Revenue & Industry
Used to calculate daily sales/spend base
Sets benchmark DPO/DSO defaults
Payment Terms
Days Payable Outstanding
Days Sales Outstanding
Net payment days under new terms
Cost of Capital & Finance Options
Used to value WC cash tied up
0 = no discount offered
Supply chain finance APR; 0 = not available