Solutions · Payment terms

Payment-terms programmes used to take a year. Whispor runs them in a month.

Net 30 → Net 45/60 cohort campaigns across 500–1,000 tail suppliers in parallel, while Coach handles the strategic counterparties who need a human call. Typical result: 7–14 days of DPO improvement, measured and tracked against baseline.

What this looks like

Packaged options. Supplier-chosen outcomes.

Auto proposes two or three packages — all inside your mandate. Suppliers pick the one that fits their cash position. You capture the weighted improvement across the cohort, not a one-size-fits-all squeeze.

How it works

Four steps. One programme.

You set the mandate and the guardrails. Whispor runs it — and shows you every move, every response, every outcome.

01

Segment the supplier base

Whispor pulls current-term data from your ERP/AP system, flags outliers against your target state, and groups suppliers by cash-position and category.

02

Configure the mandate

Set floor, target, and ceiling. Define which structures are acceptable (straight extension, early-pay discount, volume lock). Lock the walk-away.

03

Run the campaign

Auto reaches every supplier in the cohort, offers the packages, and captures responses. Coach handles the strategic counterparties who need a human touchpoint.

04

Measure working capital

Weighted DPO improvement translates directly to float captured. Every supplier's baseline, new terms, and realised outcome are auditable.

Working-capital outcomes

Measured in days. Spent on the P&L.

What deployments typically look like in the first 90 days.

+7–14
Days of weighted DPO improvement per campaign
500–1,000
Suppliers reachable per cohort
2–4 weeks
Typical campaign cycle from kickoff to close
2–5%
Working capital released as a share of spend-in-scope
Who this is for

Teams who want working-capital release without stretching the supplier relationships that matter.

CFOs & Treasury

Release float

DPO improvement compounds. Same principal, more days of free float — defensible at board level.

CPOs

Protect strategic suppliers

Coach handles the top 5–10% of the book by relationship; Auto handles the rest. No blanket squeeze.

AP leaders

Clean up the tail

Fragmented, inconsistent terms across the tail become a single cohort with one policy.

Finance / FP&A

Auditable outcomes

Every supplier's baseline, offered packages, and signed terms are recorded. No reconstruction afterwards.

Frequently asked

The questions we hear most.

Doesn't a payment-terms extension just push suppliers into distress?

Not if it's offered as a set of packages, not a demand. Whispor proposes two or three options — straight extension, early-pay discount, or maintain-terms with a volume lock — and suppliers pick the one that fits their cash position. Distress tends to show up when a single mandated term is pushed on everyone.

Which suppliers should Auto handle vs Coach?

Auto handles the tail — typically 80–90% of suppliers by count, 10–20% by spend. Coach handles the strategic counterparties where a human call is needed to protect the relationship.

How long does a typical campaign take?

2–4 weeks from campaign kickoff to outcome capture for a 500–1,000 supplier cohort. Some suppliers decline, some accept, some counter — all tracked.

Does this integrate with our ERP and AP systems?

Whispor reads supplier-master and invoice-term data from SAP, Oracle, Coupa, or your S2P suite, and writes approved changes back. The campaign runs in Whispor; the book of record stays where it is.

What working-capital outcome is typical?

7–14 days of weighted DPO improvement across the cohort, which typically translates to 2–5% of addressable spend released as working capital. Outcomes are reported against baseline, with individual supplier breakdowns.

Start a pilot

One category. Four weeks. Try before you buy.

Pick the slice that has the most pressure. We'll help you scope it, deploy Whispor to that slice, and measure the outcome against your own baseline.