Unlocking your Working Capital
Know the Payment Terms your Suppliers and Customers offer to your Competitors
Leading Companies we analyzed



Turn Data into Decisions
Gain access to the world's largest database of payment terms, providing intelligence for both your direct and indirect spend and sales.
New suppliers added to the Platform every month
You don’t compete with Companies, you compete with their Supply Chains
To truly outmaneuver competitors, leading organizations are focusing on disrupting their supply chains and leveraging key data insights on their suppliers and customers.
Recognized and awarded by Procurement, Treasury and Fintech
Best Procurement
Excellence Platform
Supply Chain Finance
Innovation Award
Winner Working
Capital Award
The Science behind your Financial Supply Chain
We help you with your core business needs: Optimizing working capital, generating free cash flow, and improving margins, while reducing the risk of financial supply chain disruptions.
Payment Terms
Leverage Calculum's probability algorithms to analyze your payment terms against market benchmarks. The platform quantifies the potential improvements in cash flow and/or pricing, while also measuring risk reduction. It delivers up to 10 strategies and arguments for negotiating terms with both your suppliers and customers.
Companies analyzed by Calculum, featuring comprehensive, full-scope payment terms data with over 150k news ones being added every month.

Supplier Financing, Receivable Financing, Discounting, VCard
Calculate the effect of your different financing programs for your payables and receivables by using different financing rates and conditions. Analyze your supplier base to determine the financial benefit (e.g., cost of debt, materiality) of their enrollment in your financing program. Subsequently, segment them based on the probability of adoption to maximize participation.
Our database records of companies that are part Supplier Financing Programs (e.g., Reverse Factoring) and are likely to join your financing facility.
Market Share & Leverage
Gain deep insight into your leverage with both your suppliers and customers, alongside their market share and risk profile.
Credit Rating & Risk Scoring
Secure precise financial data and predictive credit rating on all trading partners, enabling you to monitor and mitigate risks across your supply chain with certainty.
Cost of Debt & WACC
Determine the cost of financing and weighted average cost of capital (WACC) for each of your suppliers and customers.
Are you paying Suppliers earlier or receiving Payments from Clients later compared to your Competitors?
Calculum’s platform provides the competitive context you are missing. We empower you to optimize your payment terms with both your suppliers and customers by leveraging years of spend and sales analytics built on artificial intelligence.
Our clients and partners leverage the largest payment terms database to be more competitive.
Get insights on what terms your suppliers are actively offering to other clients.
Calculate who you can get paid earlier and mitigate your credit risk.
Win new mandates by benchmarking the payment terms of your clients and prospects.
“The goal is to turn data into information, and information into insight.”
Achieve at least a 11% Improvement in Free Cash Flow
Calculum helps leading companies across all major industries unlock millions in working capital by releasing cash from operations and fostering highly competitive supply chains.
On average, we identify over 9% in working capital improvements; that represents free cash flow that can be directly reinvested into our clients' core growth and development.
Let's do something amazing together
We are always available to discuss, explore and demo our solution.
Calculum Headquarter:
1035 N Miami Ave Suite 402, Miami FL 33136United States
Please contact us:
contact@calculum.ai

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Delivering sustainability and higher returns for private equity by optimizing cash flows.



