Dynamic Discounting
Turn surplus cash into measurable savings while supporting supplier cash flow
Dynamic Discounting enables finance teams to optimise working capital by offering suppliers early payment in exchange for a small discount. By using real-time invoice approval data, businesses can confidently pay sooner when cash is available — strengthening supplier relationships while delivering tangible financial returns.
The Value of Dynamic Discounting
2-
%
working capital efficiency improvement
0
%
up to days faster access to cash for suppliers
1-
0
%
measurable savings per invoice through early payment discounts
Features of Dynamic Discounting
Early Payment in Exchange for Discount
Offer suppliers the option to receive payment ahead of agreed terms in return for a mutually agreed discount.
Buyer-Controlled Cash Deployment
Maintain full control over when and how surplus cash is used, aligned to your cash flow position.
Real-Time Invoice Readiness
Leverage approved invoice data to identify early payment opportunities with confidence.
Supplier Choice & Flexibility
Suppliers choose whether to accept early payment offers based on their own liquidity needs.
Integrated with Finex Payments
Dynamic Discounting works seamlessly alongside ePayment, connecting payment execution with cash optimisation.
Frequently Asked Questions
What is Dynamic Discounting?
Dynamic Discounting allows buyers to pay approved supplier invoices early in exchange for a small discount, turning surplus cash into measurable financial return.
Who benefits most from Dynamic Discounting?
It’s best suited to organisations that are cash-positive or have periods of surplus liquidity and want to improve returns without increasing risk.
How does this work alongside AP automation?
Dynamic Discounting relies on fast, accurate invoice approval. Once invoices are approved through AP Automation, early payment offers can be made immediately.
Is participation optional for suppliers?
Yes. Suppliers choose whether to accept early payment at a discount or remain on standard payment terms, creating a flexible, supplier-friendly model.
How does this differ from supply chain finance?
Dynamic Discounting uses the buyer’s own capital, not third-party funding, avoiding interest costs and complexity while delivering faster value.