Find the cash in your spend.
SuppliFi turns your supplier spend into free cash flow, without new debt and without squeezing your suppliers.
Size the opportunity
Estimate20 more days on $1.0B of annual spend. Spend ÷ 365 × days gained.
Gross working capital illustration, not a quote or full free cash flow forecast. Participation, program costs and agreed terms affect results.
Cash flow that supports
what you build.
From the production floor to the supplier network,
payment decisions reach every part of your business.
Banks built supply chain finance for the top of the chain. We built it for the rest.
Mid-market companies and their suppliers are among the most underserved in business finance. Banks compete for them with the same deposits, loans and payments, while the real questions go unanswered: how to release working capital without borrowing, how to keep smaller suppliers financed, and how to manage risk across a supplier base the bank won't touch.
of SME trade finance applications are rejected. ADB, 2025
of suppliers is all a typical bank program reaches.
of COGS sits with suppliers that traditional programs leave untouched.
is what your smallest suppliers can pay for cash through factoring and lenders.
Longer terms for you. Earlier cash for your suppliers.
One invoice, moved from Net 60 to Net 90. Your supplier chooses when to be paid. You pay in full on the new due date.
Agree longer terms
You agree new terms with target suppliers, for example Net 60 to Net 90. We tell you which suppliers and what terms are realistic.
Suppliers choose
Each supplier can be paid early through our funding partner, at a fraction of factoring costs, or on the original date.
You pay on the due date
You pay 100% of the invoice on the new due date. No new borrowing on your side.
Cash builds
Free cash flow starts with the first invoice and grows with every supplier who joins. The highlighted 30 days are yours.
Data finds it. We release it. Suppliers stay strong.
Banks start with a product. We start with your spend file and your supplier ecosystem, then build the terms, early-pay financing and risk plan around them. And because most programs stall at supplier adoption, we built ours around it.
Find it
AI-driven spend analysis scores every supplier and benchmarks its terms against peers and commodity norms.
$190M found in one $2.3B spend analysis
Release it
We run supplier outreach and onboarding, so terms move without burying your procurement team.
3 months to a $50M goal, not 12
Keep suppliers strong
Our funding partner pays suppliers early at a fraction of what factoring costs. You repay on the new due date.
Long tail reached, not just the top 20%
Your spend file.
A clearer cash opportunity.
The Free Cash Flow Opportunity Report brings supplier-level analysis, term benchmarks and a prioritized view of where to act into one executive readout.
Quantify the opportunity.
Connect eligible spend and payment timing to a transparent working capital model.
Prioritize suppliers.
Bring term opportunity and implementation readiness into a focused outreach plan.
Inform the decision.
Use benchmarks and clear assumptions to agree the next step with finance and procurement.
$50M goal. $150M found. Three months, not twelve.
- A large manufacturer needed $50M in free cash flow.
- Its bank program reached only the top 20% of suppliers.
- Supplier adoption was weak, and payment integration ate time.
- Financing options didn't fit smaller suppliers.
- Bought payables on the new terms through our funding partner.
- Gave suppliers an early-pay option that fit them.
- Identified $150M in free cash flow.
- Hit the $50M goal in 3 months instead of 12.
| Spend analyzed | $2.3B |
|---|---|
| Supplier parents analyzed | 362 |
| Share of spend with sub-investment-grade suppliers | 61% |
| Average payment terms, today to target | 55 → 84 days |
| Cash flow opportunity identified | $190M |
Move every entity of one supplier group to its longest terms.
Match the terms a supplier already gives similar customers.
Benchmark terms by commodity class.
Set one new standard term, such as Net 90.
Built for $500M to $3B companies that need cash without borrowing.
Manufacturers, distributors, and the private equity firms that own them.
Your peers pay suppliers slower. That gap is cash you can have in about 60 days.
Release working capital without adding debt. Funding is repaid on the due date.
Extend terms with a reason suppliers say yes to. We run the onboarding.
Free cash flow across the portfolio in one quarter, with no new leverage.
Get paid early, or on your original date. Your choice.
When a customer joins SuppliFi, you get an early-pay option at a fraction of what factoring or asset-based lending costs. No new debt on your books, no change to how you invoice.
Up to 36% APR vs. a rate priced on your customer's credit. Bars show relative cost.
Four phases take a spend file to free cash flow.
Start with Phase 1 at no cost. Every phase after it begins with a yes from you.
Assess
- Free Cash Flow Opportunity Report
- Peer DPO benchmark
- Supplier opportunity map (9-box)
- Supplier health scan
Design
- Term strategy by supplier
- Supplier communication kit
- Procurement playbook and training
- Business process blueprint
Launch
- Suppliers onboarded
- Funding live
- First tranche of free cash flow
- Proof-of-concept readout
Scale
- Supplier waves through the 9-box
- Monthly cash flow scorecard
- Quarterly program review
Send us a spend file. We'll show you the cash.
A Free Cash Flow Assessment at no cost and no commitment. You get:
- A supplier-by-supplier terms benchmark
- Your DPO against your competitors
- A prioritized map of where the cash is, in dollars
Your request is ready to send
Copy it and email it to info@supplifinance.com. We reply within one business day.