Access discounts that can help improve margins, strengthen supplier relationships and manage cash flow with flexible payment options.
PAYABLES FINANCE
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Dynamic Discounting
Capture discounts and strengthen supplier relationships by using surplus cash to fund early payments.
Transform working capital into supply chain strength
Help build supplier trust and strengthen relationships with early payments, while gaining greater control over cash flow and payment timing to meet your business needs.
Powered by our Working Capital Accelerator Platform
- Transform your working capital from reactive to proactive with ERP integrations like embedded finance with Oracle Fusion and the J.P. Morgan proprietary SAP add-on.
- Shift between supply chain finance and dynamic discounting with near-real time visibility to help unlock cash flow.
- Turn program data into actionable insights backed by the strength, resiliency and scale of J.P. Morgan
Help unlock value in every payment
Choose when to receive payment and set discount rates, helping improve cash flow and support ongoing business relationships.
Frequently asked questions
Dynamic discounting is a financial tool where buyers pay suppliers invoices early in exchange for a discount, with the discount rate adjusted based on how early the payment is made. This helps improve buyer liquidity management and provides suppliers with faster access to cash.
Buyers can choose which invoices they offer discounts on, or suppliers can choose which they wish to pay early. Dynamic discounting arrangements vary on a case-by-case and invoice-by-invoice basis, with buyers setting discounts for early payment depending on a variety of factors unique to their situation.
All supplier types can participate in a dynamic discounting program since the buyer can adjust discount rates at any time. However, to maximize program uptake and the amount of liquidity deployed, the program typically focuses on small and mid-sized suppliers, particularly those with long payment terms, as early payment tends to deliver the most meaningful benefit to them.
Related solutions
Related solutions
Trade & Working Capital
Transform your working capital into a strategic edge.
Payables Finance
Manage payment timing with greater precision.
Supply Chain Finance
Build stronger relationships, increase resiliency, and optimize working capital for buyers and suppliers.
Working Capital Accelerator
Transform your working capital through a centralized platform for payables and receivables solutions, improving visibility and control.
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