AR/AP Automation & Dynamic Discounting
End-to-end automation of accounts receivable and payable with AI-powered collections optimization and dynamic discounting. AI predicts which invoices will be paid late, prioritizes collection efforts, and identifies optimal timing for early payment discounts.
$351B+ in working capital funded; suppliers paid ~31 days early on average (C2FO)
30-60 days for AP automation, 60-90 days for AR optimization
Medium
Use Cases
- Automated invoice processing and three-way matching
- Collections prioritization based on payment prediction
- Dynamic early payment discounts to suppliers
- Customer credit risk scoring and limit management
- Cross-entity netting and intercompany settlement
Technology Building Blocks
Risks
- Supplier relationship strain from aggressive DPO optimization
- Customer relationship impact from aggressive collections
- System integration complexity across heterogeneous landscapes
- Cash flow timing risk from overly aggressive optimization
Case Studies
C2FO is a dynamic discounting platform connecting buyers and suppliers. Suppliers get paid early at a discount; buyers earn a return on early payment.
Over $351B in working capital funding provided. Suppliers get paid approximately 31 days early on average. 5.5M+ supplier connections funded globally.
Source: C2FO (2025)
Grounded In
Interactive Demo: AR/AP Automation
A working demonstration of how AI drives ar/ap automation & dynamic discounting. Interact with the controls to see real-time impact modeling.