— Product Suite —

Dynamic
Discounting

Once an invoice is approved, it's a guaranteed receivable. Why wait 30–60 days? Dynamic Discounting turns your approved AP into a high-yield investment — paying suppliers early in exchange for a discount worth 12–24% APR equivalent.

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12–24%
APR Equivalent Return
1–3%
Cost of Goods Reduction
0 Days
New Technology Required
Win-Win
Buyer & Supplier Both Benefit

How It Works

The Logic Is Simple.
The Returns Are Real.

When an invoice is approved, it is effectively a guaranteed future payment. Dynamic Discounting lets buyers offer early payment in exchange for a discount — the supplier gets cash faster, the buyer earns a return that far exceeds any money market rate.

1
Invoice Approved
SIMS approves the invoice. It's now a guaranteed payable — ready for discounting.
2
AI Optimises the Offer
Our AI calculates the optimal discount rate based on the invoice value, days saved, and supplier risk profile.
3
Supplier Accepts
Supplier receives early payment via the self-service portal — cash the same day they click accept.
4
Buyer Earns Return
The discount captured is a real return on working capital — typically 12–24% APR equivalent, far exceeding risk-free rates.

Two Initiation Modes

🏢 Buyer-Initiated

Buyer proactively offers early payment on approved invoices. Full control over which invoices to discount, at what rate, and when to deploy working capital.

🤝 Supplier-Initiated

Suppliers request early payment via the self-service portal. Buyer approves or declines based on working capital position and strategic supplier priority.

Works standalone or connected to SIMS

Dynamic Discounting plugs directly into SIMS — approved invoices automatically become discount opportunities. Or deploy standalone against any AP system.

Make Your AP Work For You

Turn approved invoices into 12–24% APR equivalent returns. Talk to our team today.

Book a Demo →