One calendar, one principle: earlier or later, you decide
Behind all our solutions sits the same simple idea: one calendar in which you choose when you want to be paid. Earlier goes with a discount, later with a premium — and which way you want to go is up to you.
Our solutions have different names — Dynamic Discounting, SmartDSO — but underneath sits the same simple idea every time. Grasp that one idea and you grasp the whole platform. Here it is.
There is always one calendar. In it you choose which day payment happens. The due date is the zero point — the date that was already agreed. From there you can go two ways.
Two directions, the same scale
From the due date you move either forward or backward. Each side has an amount attached, and that amount grows the further you move from the due date. That is the sliding scale: the same mechanism, only mirrored around that zero point.
A discount goes with it
A premium goes with it
The scale is the same principle every time: further from the due date = a larger amount. Only the direction differs.
Who chooses, and who earns? That depends on your product
The mechanism is always the same. What differs is your role: do you pay a supplier, or are you paid by a customer? That is what it comes down to.
Dynamic Discounting — you pay your supplier
You are on the paying side. You choose yourself whether to pay earlier or later:
- Pay earlier, and you earn the discount. You put your own liquidity to work and make a return on it. → What does paying earlier earn you?
- Pay later, and your supplier earns the premium. You keep your working capital in-house longer; your supplier chooses himself and is paid for it. → Paying your supplier later — with a premium
SmartDSO — you are paid by your customer
Now you are on the receiving side. Your customer chooses when he pays:
- Your customer pays earlier, and gets a discount for it. You have your money in sooner and improve your DSO. → Your money in sooner — your customer decides
- Your customer pays later, and pays you a premium. You earn from the wait on money that was coming in anyway. → Paying later is allowed — and you earn from it
Two products, each going two ways: those are the four situations above. But it is the same calendar with the same sliding scale every time — you simply choose a different side, matching what you need at that moment: a return, breathing room in your working capital, or your money faster.
Why this works so well
Because everything rests on one principle, there is nowhere a complicated separate process. It runs per invoice through your existing invoices and ERP, the price is fixed in advance and settled automatically, and no one is cornered — the counterparty chooses himself.
One calendar, one sliding scale: paying earlier goes with a discount, later with a premium — and whether you choose or your counterparty does, and who earns from it, depends only on the product that fits your situation.
Curious which way is interesting for you? Have a look at the solutions or read one of the four stories above — they all tell the same principle, just from your angle.