Specforge

Special functions · Discount Negotiator

Early-payment discounts that beat your borrowing rate — both directions.

Open AR and AP invoices priced against the one benchmark that matters: your short-term borrowing rate. Customer offers that are always cheaper than borrowing, vendor asks that always beat your funding cost, a cash-target optimizer, what-if simulation per counterparty, and a BCM-style release chain that ends in real DZ/KZ settlement postings.

Open the Discount Negotiator demo →

01 · The landscape

What the market has

C2FO
Dual-sided early-payment marketplace
The gap: A funding marketplace with per-transaction economics — not a tool you own
SAP Taulia
Dynamic discounting + supply-chain finance
The gap: AP-centric, supplier-portal heavy, enterprise onboarding
Kyriba
Treasury platform with working-capital modules
The gap: You buy the whole TMS to get this one lever
HighRadius / Billtrust
AR automation with prompt-pay incentives
The gap: AR-only; discounting is a feature, not the decision engine

02 · Differentiators

Where we differ

  • Both sides on one screen, benchmarked explicitly to your own borrowing rate — no product in the market frames it that directly
  • Every recommendation shows its math; offers are rounded down so they are strictly cheaper than borrowing
  • Offer rationale is frozen at extend time — realized savings are measured against the basis that justified the deal
  • Flat cost, no per-invoice fees, no third-party funding dependency — it optimizes your balance sheet, not a marketplace's

03 · Functionality

What we built

  • Break-even and recommended discounts per invoice (r × days/360, practical 0.25% steps)
  • Cash-target optimizer: the cheapest package of receivables to raise a requested amount vs the cost of borrowing it
  • Per-invoice what-if simulation with a live borrowing-avoided / borrowing-needed verdict
  • BCM-style release chain (2/4/6 eyes by deal size) ending in DZ/KZ settlement documents with full journals
  • Open-items file upload (CSV/Excel) with duplicate-safe re-loads

See it working — today

The demo runs the complete loop on live data: capture, decide, govern, post, audit. No process change required on day one.

Open the Discount Negotiator demo

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