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Working Capital

You are paying early and being paid late. Neither is what you agreed.

The cash is not lost. It is leaving earlier than the contract requires or arriving later.

How it works

Payment terms are negotiated carefully. What happens afterwards is less controlled.

  1. terms-matched

    Suppliers paid early

    A contract says 60 days. The supplier master often says 45, the default set when the account was created. The payment run follows the master record, so the supplier is paid up to 15 days ahead of the contract.

  2. threshold-tracked

    Customers paying beyond terms

    Payment terms in the contract are compared against the terms configured in your systems, and against the date payment was actually made, surfacing customers paying beyond what was agreed.

  3. credit-identified

    Customer terms beyond policy

    Some customers have been given longer terms as part of a commercial negotiation. The cumulative working-capital cost of those concessions is rarely visible until it is tracked against policy.

  4. findings-queued

    Findings, ready to act on

    Each finding is linked back to the relevant contractual clause and renewal date, and carries the counterparty, the term applied, and the financial effect, so finance can act rather than investigate.

what working capital covers

Five areas of contract value, tracked in one place.

  • Suppliers Paid Early

    Cash paid out early when the supplier master understates the contract's payment term.

  • Customers Overdue

    Cash held up when customers pay beyond the terms actually agreed.

  • Recurring Leakage

    A single incorrect term repeats on every invoice until the underlying record is corrected.

  • Terms Beyond Policy

    Working capital committed when customers are granted longer terms outside policy.

  • Inherited Misalignment

    Acquired businesses carry payment-term discrepancies forward.

Proof

Findings from customer data.

3×

The cost on the order of 50 basis points against $100 million of spend for a construction company.

rebate triggered
99% Uptime SLA
Approval req.
$95K Capital Expenditure
System update
24h Maintenance Window
Feedback
4.7 / 5 Satisfaction Score

Put a number on the cash your payment terms are holding.

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From the team that created contract analytics at Seal Software