Payment Terms Cash Impact
"Can we get Net-60?" is a financing request wearing a procurement costume. This shows what each terms tier locks up in accounts receivable at your scale — and what that float costs at your cost of capital. Nothing leaves your browser.
The math
Cash in AR = annual revenue × (effective DSO ÷ 365), where effective DSO = stated terms + real slippage. Annual carry cost = that AR balance × your cost of capital. The delta rows are the negotiation: if moving a book of business from Net-60 to Net-30 frees six figures of cash, that's budget for a 1-2% early-pay discount and you still come out ahead — which is exactly how to price the concession instead of giving terms away for free.