Lever Calculator

Run this to decide whether the conversation is worth booking.

A signal. Not a model. Two inputs, two levers, three lenses. Tell us your annual approved supplier spend and your cost of funds. Switch the levers on. See what working capital flexes, how much DPO extends and what EBITDA the timing lever generates. No detail captured. No call unless you want one.

Your inputs

Currency

Figures are shown in the currency you pick. No conversion is applied, so enter spend in that currency.

Annual approved supplier spend $500M

Drag from $50M to $5B.

Cost of funds 8%

Your effective cost of capital.

Levers

Mode

Levers active throughout the period. Used like a rolling facility.

Three lenses on the same control point

Working capital flexed

$75M rolling

Sustained balance from Flow

DPO extension

55 days

Weighted across spend, from Flow

EBITDA contribution

$0.7M

Annual P&L from Pace

Modelled on standard 60-day end-of-month supplier terms, a 55-day card-rail extension on Flow and a 2% offered discount on Pace taken up at typical acceptance levels (around one in three offers in configured engagements). Real engagements are configured.

Flow frees rolling working capital and extends DPO; Pace captures EBITDA. Both levers active.

How the maths works

The calculator uses three working assumptions and three plain calculations. Configured engagements vary, so treat the result as a signal rather than a quote.

Working assumptions

Standard supplier terms of 60 days end of month.
Card-rail extension on Flow of 55 days from settlement.
Pace offered at a 2% discount.
Acceptance band typically around one in three offers.
Average days early on accepted DD invoices: 35.
Pulse mode treats the levers as active for around one third of the period.

Working capital flexed (Flow lever)

Annual spend × (55 / 365) × pulse factor. This is the rolling balance released, not an annual cash injection.

DPO extension (Flow lever)

55 days × pulse factor. Weighted across total spend on the basis that Flow runs across the full eligible base in the configured engagement.

EBITDA contribution (Pace lever)

DD volume = annual spend × 50% eligible base × 35% acceptance × pulse factor. Gross discount captured by the buyer = DD volume × 1.6%. Interest cost of paying earlier = DD volume × (35 / 365) × cost of funds. EBITDA = gross discount minus interest cost.

Pricing is configured per engagement and is not modelled in the headline.

What the numbers represent

Three independent lenses. Read them separately.

Working capital flexed is the rolling cash position released by extending payment timing through Flow. Not a one-time injection. A sustained float you can redeploy or hold.

DPO extension is the weighted-average extension across your total spend, given the share that runs through Flow.

EBITDA contribution is the annual P&L benefit from selective Pace, after netting off the interest cost of paying earlier than contractual terms.

The three numbers are signals. They tell you whether the conversation is worth having. The actual configured engagement, including supplier acceptance patterns, eligibility rules and commercial structure, is what shapes the real result.

If anything in these numbers looks worth understanding properly, talk to us.

The Opportunity Brief explains how an initial conversation works. The First Steps guide helps you frame the right internal discussion before you commit time. Both arrive after you make contact.