Free supplier-payment decision tool
Early-Payment Discount vs Cash Preservation Calculator
Compare the return from paying suppliers early with the value of keeping cash available for payroll, inventory, debt service and other near-term obligations.
Simple early-pay decision
Liquidity GateMeasure the discount and the liquidity tradeoff
Invoice terms
Cash preservation assumptions
Opportunity cost & backup liquidity
Core comparisonThe implied annualized return is based on the discount earned relative to the discounted payment amount over the number of days payment is accelerated. The Liquidity Gate then checks whether paying early would push projected cash below the entered minimum reserve. If it would, the tool estimates the borrowing needed to protect that reserve and compares financing cost with the discount savings.
Equivalent-return table
Annualized implied returnHow discount percentage and payment acceleration interact
Advanced cash allocation
Cash Allocation QueueRank eight early-payment opportunities
Liquidity pool
Supplier invoices
SupplierInvoiceDiscountDiscount dayNet day
Allocation logicInvoices are ranked by implied annualized discount return. The queue first uses cash available above the reserve after other inflows and outflows, then uses revolver capacity only for any remaining amount needed to fund a full discounted invoice. An invoice is marked Take only when the full early payment can be funded and its discount savings exceed the modeled cash/borrowing cost plus the entered minimum benefit threshold.
Cash allocation queue
Highest implied return firstRanked supplier-payment decisions
| Rank | Supplier | Invoice | Discount savings | Days early | Implied annualized return | Cash used | Debt used | Net benefit | Decision |
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Cash preservation scenarios
How the selected portfolio changes with different reserve levels
| Reserve scale | Cash above reserve | Invoices selected | Revolver used | Discount savings | Net benefit |
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Borrowing-cost sensitivity
Does financing still preserve the discount economics?
| Revolver APR | Invoices selected | Debt used | Financing / carry cost | Discount savings | Net benefit |
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Scope
This tool models economics and liquidity, not supplier-contract rights
Use the actual invoice and supplier terms to confirm discount eligibility, payment deadlines, partial-payment rules, taxes, freight, disputed amounts and whether the discount applies to the entire invoice. The model does not determine whether borrowing is available or appropriate, and it does not replace a cash-flow forecast covering payroll, taxes, debt service, inventory purchases and other obligations.