Portfolio Power Curve
Where to aimRank the whole supplier base by convertible spend so the engine always works the highest-value tier first — not the easiest tenth.
How it works
A system, not a spreadsheet.
A perpetual enablement engine that decides who to convert, when to reach them, and how to win the math — run inside your firewall, on any bank.
Most enablement quits. This one runs every cycle — perpetually.
The loop
Five phases. One perpetual cycle.
Each phase feeds the next. The fifth doesn't end the work — it re-fires it. Diagnose what's left, propose the next move, enable the next tier of suppliers, drive adoption, then optimize and start again.
01
Diagnose
Map the full supplier base against the spend the program was sold on. Find what's still on check and ACH.
02
Propose
Aim at the right suppliers with the right offer. Sequence the portfolio by where the math wins fastest.
03
Enable
Run the cadence that fires — evergreen outreach that lands with an acceptance case in basis points, not three percent.
04
Adopt
Suppliers accept and remittance flows straight-through to the ERP — so acceptance sticks and the benefit shows up bookable.
05
Optimize
Score what worked, refine the targeting and the offer, and re-fire the whole loop on the next tier of the portfolio.
Re-fires perpetuallyMost enablement quits after the easy wins. This one doesn't — Optimize loops straight back into Diagnose, every cycle.
How it all connects
The frameworks that drive each decision.
Every phase is powered by a specific framework — where to aim, who to reach, the cadence that fires, the math that wins, how outreach lands, and how it's priced. They chain together into one engine.
Activate Enrichments
Who, when, which offerEnrich each supplier with the signals that decide the move: who to convert, when they're most likely to accept, and which offer wins.
Evergreen Enablement
The cadence that firesA perpetual outreach cadence that keeps working every supplier on the curve — not a one-time campaign that goes quiet after launch.
Supplier Optimization · The Case for Card
The value & the mathShow every supplier the value and the math: faster cash, lower net acceptance cost, straight-through reconciliation. The economics that make a yes rational.
Crossover Campaigns · Golden Glove
How outreach landsDeliver the offer the way it actually converts — coordinated, high-touch outreach that reaches suppliers across every buyer running the program.
Commercial-Card Economics · 2Q2P guarantee
How it's pricedPriced on the economics it creates: a paid diagnostic, then a share of realized benefit — backed by the 2Q2P guarantee. You pay when it works.
A two-sided loop
When you win, we win.
The system only works because both sides of the invoice move at once. The buyer's extended DPO is the supplier's faster DSO — the very same ~15-day shift, read from opposite ends of the same invoice. One change, two wins, every cycle.
Buyer · AP / Treasury
DPO up ~15 days
Days Payable Outstanding extended — working capital freed and rebate captured across the whole portfolio.
Supplier · AR
DSO down ~15 days
Days Sales Outstanding reduced — the same ~15-day shift, cash in the bank sooner at a net cost in basis points.
The numbers behind it
The economics already favor the card.
The cost case is settled. The reason programs stall isn't price — it's enablement reach. The system is built to fix the reach, perpetually.
82 / 12 bps
Net commercial-card cost versus 192–316 bps for check and ACH. On cost alone, card wins outright.
Source: Visa Commercial Solutions © 2023
59%
Of suppliers were never contacted in an anonymized Fortune 500 chemical manufacturer's enablement funnel — the long tail the system is built to reach.
Source: anonymized F500 funnel analysis
Run the system. Not another spreadsheet.
Start with a paid diagnostic. We'll size the opportunity across your full supplier base — then run the loop with you, inside your firewall, on the bank you already have.