For buyers — CFO
Realized rebate that drops to net income — plus freed working capital that shows up in free cash flow. Measured, not forecast. On any bank, inside your firewall. When you win, we win.
Self-funding by design. Priced on realized benefit — 25% of what we actually deliver, no issuer subsidy.
For the economic buyer — net income, free cash flow, ROIC, operating margin.
The gap on your P&L
Your card program was sold on the full supplier base. Then your bank worked the easy accounts, booked the win, and handed you a quarterly Excel report. The unrealized rebate — and the working capital that comes with it — is still sitting in checks and ACH.
The pitch was the whole supplier file converted to card — rebate and working-capital benefit across the portfolio, modeled on a sales deck.
Your bank works the easy accounts and spits out the rest — supplier conversion stalls, and the rebate that hits the P&L is a fraction of the promise.
From cost center to contributor
Run the supplier-enablement program in-house and AP stops being pure overhead. Every dollar converted to card returns realized rebate to operating profit and frees working capital into free cash flow — the two levers the CFO is actually measured on.
Drops to operating profit
Rebate on converted spend lands in operating profit — a hard-dollar contribution to net income, not a projection on a deck.
Shows up in cash flow
Paying on card extends your payment float and frees working capital — capital that surfaces in free cash flow without new borrowing.
Compounds every cycle
Converting check and ACH spend to card with proper economics adds operating margin — and the same engine runs again next quarter.
Why you outsourced your own upside
The bank caught the low-hanging fruit, declared the program a success, and moved on. It was never going to chase the long tail — that's your net income, not theirs. Activate is how you go get the realized rebate yourself: on the bank you already have, inside your firewall, priced on what actually lands. When you win, we win.
Enabled the easy accounts. Booked the win. Sent you a quarterly report.
The long tail of suppliers — the spend still riding in checks and ACH.
Realized rebate on the P&L and working capital in free cash flow.
The economics already favor the card
The price case for card is settled. Programs don't stall on fees; they stall on enablement reach and reconciliation. Close that gap and the rebate moves from a forecast to a booked number.
Net commercial-card cost versus 192–316 bps for check and ACH. On cost alone, card wins outright — the case for conversion is already made.
The promised rebate vs. what lands: the bank stops at the easy accounts, so most of the benefit never reaches the P&L.
We size the realized opportunity first, then earn only on the benefit you can actually book — so the number on the P&L is one you've measured, not modeled.
Pay for performance
No platform license. No seats. No issuer subsidy. A paid diagnostic sizes the realized opportunity, then you pay a share of the benefit we actually deliver — so it funds itself out of the net income it creates. See the full model on pricing.
When you win, we win
Diagnostic + 25% of realized benefit
The questions a CFO asks first
Why pay you when the bank does it for free?
The bank's free enablement converts a fraction of your spend and only touches the easy accounts. The unrealized rebate dwarfs our fee — and we price on shared savings, so you pay only on what we actually deliver to net income.
What's the risk or upfront cost?
A bounded, paid diagnostic, then shared savings. Your downside is capped and the fee scales with the realized benefit — it funds itself out of the net income it creates.
Is this a rip-and-replace?
No. It's ancillary and issuer-agnostic — it runs on the bank and ERP you already have, inside your firewall. No switch, no migration.
Go deeper
For the Treasurer
The Treasurer's track: extend DPO to compress CCC and free working capital, issuer-agnostic. The technical champion who sells you internally.
View the Treasurer trackSize the opportunity
Put your spend file against the conversion gap and see the realized rebate and working capital still sitting on the table.
Run the numbersHow we do it
Power Curve targeting, relationship-safe outreach, and straight-through reconciliation — the playbook that turns promised rebate into realized.
See the frameworksStart with a paid diagnostic. We'll size the realized rebate and freed working capital across your full supplier base — then run the program with you, inside your firewall, on the bank you already have. When you win, we win.