Spend-file analysis
We analyze your actual AP file to find where convertible card spend really sits — across the whole supplier base, not just the easy slice the bank already touched.
The diagnostic
A paid scoping diagnostic that finds the card spend your program left on the table, models the AP/AR economics, and sets a locked baseline — so the program is measured, not promised.
Fixed price, real plan. You walk away with the analysis and the baseline — whether or not we continue.
A standalone scoping engagement for the office of the CFO — Treasury, AP & Procurement.
What it is, what you get
You share the spend file. We do the work. You leave with five concrete deliverables that size the opportunity, model the economics, and set the baseline the whole engagement is measured against.
We analyze your actual AP file to find where convertible card spend really sits — across the whole supplier base, not just the easy slice the bank already touched.
The payables case, modeled on your numbers: realized rebate plus the DPO and working-capital opportunity from extending terms onto card.
The acceptance case for the suppliers that matter most — paid faster at a net card cost in basis points, framed so they'll actually say yes.
A concrete, sequenced playbook for reaching the long tail your bank skipped — who to contact, in what order, with what offer.
The pre-program starting point — captured and agreed — so every dollar of benefit after this is measured against it, not projected from a deck.
The diagnostic is standalone consulting. Continue with us or don't — the analysis, the model, and the baseline are yours regardless.
Why it's paid
Free estimates are cheap because they're worthless. A paid diagnostic forces real work on real data — so the plan is grounded, the baseline is defensible, and both sides know the fit before anyone commits to a program. It's how the program gets measured instead of promised.
The 2Q2P Q1 gate — is there enough convertible spend here to be worth the program? The math answers before either side over-commits.
A locked, agreed starting point means realized benefit is attributable later — no arguing about what the program actually moved.
Whether or not we continue, you keep a grounded analysis and a sequenced enablement plan you can act on.
The math the diagnostic runs
On cost alone the card wins outright — the question is how much convertible spend your program actually has, and what the economics look like on your file. That's what the diagnostic quantifies.
Net commercial-card cost versus 192–316 bps for check and ACH. On cost alone, card wins outright — the diagnostic sizes how much of that spend is yours to convert.
Fixed, size-banded fee for the diagnostic — standalone consulting that sizes the opportunity and sets the baseline before any program commitment.
A grounded, sequenced enablement plan plus a locked baseline — yours to keep whether or not the engagement continues.
How it works
A short, well-defined engagement. You share the raw spend file, we do the analysis and modeling, and we walk you through the plan and the baseline in a working readout.
Book the diagnosticA working session to understand your program, your goals, and which suppliers matter most — and to set the size band and fee.
The raw AP file, as-is. No clean-up required — we handle the normalization and matching.
We find the convertible spend, model the AP and AR economics, build the enablement plan, and capture the baseline.
A working session walking through the analysis, the plan, and the locked baseline — and a clear go / no-go on the program.
Pricing
The diagnostic is priced as standalone consulting — a fixed fee, banded by company size, that is not credited toward the engagement. It de-risks and qualifies the program for both sides, and it stands on its own value: a real plan and a defensible baseline.
See the full pricing modelThe diagnostic
$15K–$50K, fixed
Start with the math. We'll size the convertible spend on your actual file, model the AP/AR economics, and set a locked baseline — a real plan you keep, either way.