Free Benchmark
Free Benchmark

Benchmark, analyze, unlock Working Capital

With Calculum, you can compare your company with your competitors and analyze each of your customers and suppliers (direct and indirect spend). We tell you what payment terms your suppliers and customers are offering to your competitors.

Get Data on your Suppliers and Customers
Get Data

Compare your working capital metrics with your peers

  • Cash Conversion Cycle (C2C)
  • Days Sales Outstanding (DSO)
  • Days Payable Outstanding (DPO)

Cash flow opportunity

Calculate the cash flow opportunity by aligning your terms with those of your competitors.

Calculum provides you with a secure, science-driven, cloud-based supply chain intelligence platform.

Ada uses rule-based logic to match, process, analyze, and visualize financial supply chain data from multiple internal and external sources. Calculum’s AI engine is based on years of development, including research conducted by the team and academics from the leading University of St. Gallen in Switzerland.

Payment terms opportunity

Analyze the payment terms and cash flow opportunity, and how much you can expect based on Calculum’s probability algorithms.

Segment your trading partners

Review all your suppliers based on:

  • Geographies, industries, and commodities
  • Company size (e.g. SMEs)
  • Credit ratings
  • Leverage and cost of financing

9-Box model

Identify ‘low-hanging fruits’ based on the probability of success that your trading partners accept the new terms, as well as the cash flow impact on your company

Calculate and simulate financing solutions

Simulate Supply Chain Finance, discounting, virtual cards, receivables financing, and credit insurance using different financing rates and conditions.

Benefits of using financing

Analyze suppliers and customers to assess participation benefits, including cost of debt, WACC, and materiality.

Payment terms vs. price

Compare the cash flow and margin impact per supplier and customer, including the effects on the balance sheet and income statement.

Calculate the effect of financing

Assess the overall impact of various financing solutions, including reverse factoring, virtual cards, receivables finance, and trade credit insurance.

Full details on each of your trading partners:

  • Corporate group structure
  • Credit rating
  • Funding costs and WACC
  • Key financial metrics
  • ESG score
  • Minority-owned business (DEI)

Payment terms negotiation insights

Access up to 10 data-driven strategies and negotiation scripts, with visibility into what terms your suppliers and customers are offering to competitors.

Pre-approved messaging

Calculum sends messages pre-approved by your team and handles the negotiation with your suppliers or customers.

Monitor & track

Track all messages and responses for transparency and compliance.

Structured execution workflows

Execute payment terms optimization programs using workflows aligned with your strategy.

Real-time execution insights

Track progress across execution stages and quickly identify opportunities, or delays, and bottlenecks.

Outcome-focused execution

Ensure execution remains aligned with your cash flow, margin, and risk objectives.

Create your individual plan with different phases and timelines based on:

  • Industries and commodities
  • Countries & regions
  • Low-hanging fruits
  • Monitor progress and measure results across your program.
  • Review how many suppliers or customers have been analyzed, contacted, and successfully negotiated with.

“Within two months of launch, the program delivered €2 million in cash flow improvements.”

Cyril Wasem
Chief Procurement Officer
Four Steps

Set up your New Financing Program or grow your Existing Facility

No ERP integration required
Step 1

Export Data from your ERP

Export your customer or supplier data from your ERP system with only 7 data fields required. Upload securely and encrypted your data (Excel / CSV file) to Calculum’s platform. Alternatively, we also offer data transfers directly via API.
Matching all trading partners
Step 2

Matching & enrichment

The Ada platform matches over 91% of all our suppliers and customers. Every supplier and customer profile is enriched with over 20 different data points, including credit rating, ESG, cost of debt, and many more.
Data is fully anonymized
Step 3

Segmenting & anonymization

All your data is fully anonymized - only using aggregated data in the Calculum database. Data is categorized using 8 different characteristics, such as industry, company size, or credit rating.
Free cash flow opportunity
Step 4

Completed analysis

The Ada platform analyzes your data using its algorithms to structure and interpret your data into actionable results. Data is presented to the user by applying our award-winning data visualization platform.
Achieving your Targets

Your Corporate Objectives are Supported

Calculum helps your treasury, finance, procurement, and sourcing teams with your objectives around unlocking working capital, generating free cash flow, improving margins, reducing risk, and supporting financing initiatives such as Supply Chain Finance.

Improve Working Capital

  • Generate cash flow

  • Reduce working capital

  • Increase (DPO)

  • Reduce (DSO)

Improve your Margins

  • Reduce the pricing of purchased goods/services

  • Generate more cash discounts

Manage Supply Chain Risks

  • Monitor credit risk

  • Insure your credit risk against bad debts

Set up Financing Programs

  • Set up or improve your supplier financing program

  • Simulate the effect of financing your receivables

  • Support dynamic discounting

  • Set up or improve your virtual card solution