For buyers — AP · Procurement · Treasury
Turn promised rebate and working capital into realized net income and a shorter cash conversion cycle — by converting the strategic suppliers your bank left on the table, branded as you, on any bank.
The decision sits with the CFO and Treasurer. A paid diagnostic sizes the realized opportunity before you commit.
Go straight to your role
Every quarter, the rebate you were promised walks out the door with the suppliers your bank skipped.
Free up working capitalCash conversion cycle ↓For the Treasurer — shorten your CCC, on any bank. Turn rebate into net incomeRealized rebate → P&LFor the CFO — measured, not forecast. Capture the rebate you were promisedDPO ↑For AP — hit the rebate and extend terms. Bank hard savingsCost savings % of spendFor Procurement — relationships stay safe.Built for the office of the CFO — Treasury, AP & Procurement.
The bank is the foil, not the hero
You got roughly 8% conversion and a quarterly Excel report. The card program was sold on your whole supplier file — then the bank enabled the few that were easy, booked the win, and handed back the long tail. The rebate and working capital you were promised are still sitting in checks and ACH.
A couple of waves on the obvious suppliers, then declared success.
Roughly 8% conversion and a quarterly spreadsheet — positioning, not a guarantee.
The strategic suppliers no one worked — where the real rebate still lives.
What you get, by role
The decision sits with the CFO and Treasurer — but everyone in the office of finance gets something they can measure. Here's what each role takes home.
Rebate that lands in net income and working capital you actually free — measured after the fact, not forecast in a sales deck.
Push Days Payable Outstanding out, shorten the cash conversion cycle, and free working capital — on any bank, with no switching cost.
You don't have to choose between earning the rebate and stretching terms. We work the whole supplier file so you get both.
Rebate is hard savings against your percent-of-spend savings target — and outreach branded as you protects the strategic relationships you own.
Why it works
The bank's economics stop at the suppliers that onboard themselves. Ours don't. We run high-touch outreach across the strategic long tail, branded as you, issuer-agnostic, and inside your firewall.
The numbers behind it
On cost alone, card wins outright. The reason the rebate goes unrealized isn't price — it's that most of your suppliers were never contacted.
Net commercial-card cost versus 192–316 bps for check and ACH. On cost alone, card wins outright.
Of suppliers were never contacted in an anonymized Fortune 500 chemical manufacturer's enablement funnel — the strategic file the bank skipped.
Reach — not fees — is the barrier. The bank works the easy slice; the realized rebate lives in the suppliers no one called.
Bring the numbers to your CFO
Two ways to size the opportunity and frame the decision for your finance team — before you ever book a call.
Framework
The cost-and-working-capital argument, laid out the way Treasury and the CFO evaluate it — basis points, DPO, and the cash conversion cycle, side by side with check and ACH.
Read the frameworkTool
Estimate the rebate and working capital your program left on the table across the suppliers the bank never worked — so you walk into the diagnostic with a number.
Open the calculatorStart with a paid diagnostic. We'll size the realized rebate and working capital across your full supplier file — then run the program with you, branded as you, on the bank you already have.