Access real-time supplier discounts, strengthen relationships, and improve margins—just by paying invoices early.
Built for finance teams looking to optimize spend, dynamic discounting delivers instant savings, cash flow flexibility, and stronger supplier partnerships—all through a payment process you already use.
Pay early and save—boost your bottom line with dynamic savings that align with your payment timing.
Help suppliers access early payments and improve their cash flow, building long-term trust and reliability.
Use surplus cash to earn better returns than traditional interest-bearing accounts—by reinvesting it back into your supply chain.
Ideal for businesses with strong cash positions, dynamic discounting lets you pay suppliers early in exchange for real-time discounts—improving margins, strengthening relationships, and putting your excess cash to work.
Turn your accounts payable process into a strategic profit center by capturing real-time savings.
Early payment gives suppliers working capital they can count on, even during uncertain markets.
Instead of letting cash sit idle, deploy it toward early payments and earn measurable returns.
Balance payment timing with liquidity goals, while gaining control over outgoing cash flow.
You choose when to pay and how much to save—no locked-in commitments or fixed schedules.
Streamlined platforms provide real-time visibility into discount offers, invoice statuses, and savings earned.
Dynamic discounting is a payment strategy that allows buyers to offer early payment to suppliers in exchange for a discount, with terms that adjust based on how early the payment is made. It gives buyers control over cash deployment and helps suppliers improve cash flow.
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Dynamic discounting is a supply chain finance solution that allows buyers to pay suppliers early in exchange for a discount on the invoice amount. The earlier the payment, the greater the discount—creating a sliding scale of savings.
Once a buyer approves an invoice, the supplier has the option to accept early payment at a discount that varies depending on how quickly the payment is made. The discount rate is dynamic, not fixed, and typically decreases as the invoice approaches its original due date.
Buyers gain cost savings and a return on excess cash by capturing early payment discounts.
Suppliers gain faster access to cash, improving liquidity without taking on debt.
Both parties benefit from stronger, more reliable supply chain relationships.
Traditional early payment terms (e.g., 2/10 net 30) offer a fixed discount for early payment. In contrast, dynamic discounting uses a flexible, real-time model where the discount changes based on when payment is made, allowing for more frequent and customizable cash flow optimization.
No. Unlike factoring or reverse factoring, dynamic discounting is buyer-funded—it uses the buyer’s own cash to pay suppliers early and earn a discount. There is no third-party lender involved.
Dynamic discounting is often enabled through a supply chain finance platform or ERP integration that automates invoice approvals, discount calculations, and payment execution in real time.
Dynamic discounting is commonly used by mid-sized to large enterprises with strong cash positions, especially in industries like manufacturing, retail, wholesale, and logistics—where margins are tight and supplier relationships are critical.
Early Payment Discounting
Variable Discounting
Sliding Scale Discounting
Automated Early Payment Program
Buyer-Funded Early Payment
Flexible Discount Program
Real-Time Discounting
