In this blog, we will explore how dynamic discounting can help buyers with their capital management. In particular, we’ll explore how buyers can reduce their COGS through early payment discounts and understanding how dynamic discounting can be a powerful tool for buyers looking to optimise their capital management strategies.
Dynamic discounting is an innovative financial solution that enables buyers to take advantage of early payment discounts offered by suppliers. By paying invoices early, buyers can reduce their cost of goods sold (COGS) and improve their cash flow and working capital.
然而，动态折扣不仅仅是为了节省COGS的钱。它对买方的资本管理战略也有重大影响，使他们能够节约现金，投资于增长机会，并最终实现其财务目标。
买方资本管理的挑战
管理资本是企业的一个关键挑战，尤其是在当今竞争激烈的商业环境中。组织需要平衡各种优先事项，如保存现金、优化营运资金和投资于增长机会。
One of the biggest challenges buyers face is optimising working capital. Buyers need to make sure they have enough inventory and supplies on hand to meet demand. This is whilst also minimising their inventory holding costs. They also need to manage their accounts payable and receivable effectively to maintain a healthy cash flow.
最后，还需要投资于增长机会，以保持竞争力和扩大业务。这可能包括投资于新技术，进入新市场，或收购其他公司。然而，这些投资需要大量资金，这对资源有限的买家来说是一个挑战。
买方在管理其资本方面面临着各种挑战，包括需要节约现金，优化营运资金，以及投资于增长机会。动态折扣可以成为买家应对这些挑战和实现其财务目标的有力工具。
动态贴现对资本管理的好处
在管理资金方面，动态贴现可以为买家提供若干好处。与传统的储蓄账户相比，动态贴现的投资回报率更高。从一个拥有多余现金并希望拥有最佳投资回报率的投资方案的公司的投资角度来看。
另一个显著的好处是能够通过提前付款的折扣来节省销售成本（COGS）。
以下是它的工作原理：
When a supplier sends an invoice to a buyer, the buyer typically has a set amount of time to pay the invoice. For example, 30, 60, or 90 days. However, many suppliers are open to offering early payment discounts to buyers who pay their invoices before the due date. For example, a supplier might offer a 2% discount if the buyer pays within 10 days instead of the standard 30 days.
Dynamic discounting enables buyers to take advantage of these early payment discounts. Buyers can upload invoices into a cloud-based Dynamic Discounting platform, where they can offer discounts in agreement to paying their invoices before the due date. This not only reduces the cost of goods sold, but also helps improve cash flow and working capital by accelerating the payment cycle.
For example, let’s say a buyer purchases $10,000 worth of goods from a supplier. Next, the supplier offers a 2% early payment discount if the invoice is paid within 10 days. If the buyer takes advantage of this discount, they would save $200 on the cost of goods sold. These savings can then be used to invest in growth opportunities or to fund other areas of the business.
主要收获
By using early payment discounts, buyers can reduce cost of goods sold, improve cash flow, and optimise working capital.
However, implementing a dynamic discounting program requires careful planning and execution. Buyers need to work closely with suppliers to establish mutually beneficial payment terms and ensure smooth invoicing and payment processes.
尽管存在挑战，许多公司已经成功地实施了动态折扣计划并获得了收益。通过使用动态折扣来降低商品销售成本，这些公司已经能够腾出现金用于其他投资并实现其财务目标。
总之，对于希望改善其资本管理战略的买家来说，动态折扣可以是一个宝贵的工具。通过与合适的供应商合作并实施动态折扣的最佳实践，买家可以实现成本节约，改善现金流，并推动其业务增长。
About B2BE
B2BE delivers electronic supply chain solutions globally, helping organisations to better manage their supply chain processes, providing greater levels of visibility, auditability and control. We’re driven by a passion for what we do, inspired by innovation, and underpinned by a wealth of knowledge. With over 20+ years of experience, the B2BE teams operate worldwide.
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