A robust platform that enables buyers and suppliers to manage the whole dynamic discounting process seamlessly. 

What dynamic discounting is

Dynamic discounting allows cash-rich buyers to decide when they will pay their suppliers in return for a reduced price for the products or services purchased. This way, suppliers can also benefit from an early payment of their accounts receivables (A/R).   The solution includes a “dynamic” approach since the discount is determined on the dates of the payment to the suppliers. The earlier the buyers pay, the greater their discount will be.  With the funds being typically provided by the buyer’s own liquidity resources, this flexible method constitutes a powerful way to strengthen the financial position of all parties involved, across the entire life cycle of the invoicing.

Key benefits

For the buyer

Enhanced profitability Compared with the interest for short-term cash investments, dynamic discounting brings higher returns  Secure returns Buyers use their excess cash to pay their suppliers, not funds provided by a financial institution  Cost-effective process Early payments discounts facilitate buyers to significantly lower the cost of the purchased products and services   Stabilised supply chain Through the platform’s functionalities, agility is ensured, and buyers can certify that no disturbances will occur 

For the supplier

Reduced funding cost Suppliers can lower the cost of funding with this method to boost their growth  Amplified agility Suppliers get to decide which invoices are eligible to be included in the dynamic discounting process  Enhanced working capital When receiving an early payment, suppliers can lower the Days Sales Outstanding (DSO) and increase the cash liquidity  Advanced planning With dynamic discounting, suppliers can stay one step ahead since they have an overview of when they expect payments

Why choose QUALCO Kyberas

Transformed business operations

Cash flow is streamlined, predictable, and optimised

Customised web interfaces

The platform’s bespoke frontend puts user needs in a prominent position and enables them to interact smoothly with the system

Accelerated financing processes

Instant financing through dynamic discounting is a possibility with or without the existence of a funder

Digitally-led transactions

Buyers and suppliers are always in sync through digital reconciliation

Facilitated document sharing

Invoices are available in real-time to all parties even before they appear in the ERPs

Optimised pricing options

The platform is harvesting the power of machine learning “intelligent” pricing

Decentralised financial technology

Blockchain driven features (immutability, auditability, traceability, security) offer a future-proof solution

Automated legal contracts

Smart contract automation is enabling max efficiency in less time