About Us

We build software around finance and strategy, based in San Diego, CA.

Trained in formal big 4 accounting firm discipline at Deloittes, and learning by going up through the operational and CFO CEO ladder of mid to large corporations across a variety of industry verticals, we saw a recurring theme.

In the USA market that we serve, publicly traded companies have $7 trillion (with a T) of Cash on their balance sheets.

These same companies owe suppliers and vendors $4 trillion (of Accounts Payable).

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Our obsession was how easy could we make companies want to move some of their cash to their suppliers earlier, where everyone wins.

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Finance people are ‘taught’ not to pay early. Vendors have been ‘taught’ to go through endless paperwork and process to get expensive equity, bank and supply chain finance to fund working capital.

Our solution to this is in two parts.

Discount Flow is re-imagining the well-known early settlement discount. Instead of a recurring margin hit, either supplier or buyer can initiate and close on an early settlement discount when they choose, to move the cash early or boost their returns. This is all between the parties, no middleman, in a few clicks and free. Cash moves straight from the buyer to the supplier in the usual fashion, just faster. A 2% settlement discount makes a ton of sense for a supplier to get paid now instead of a month from now. For the buyer, this is a 24% annual equivalent return on idle cash with no risk. Why would they not do it? As planned, our Discount Flow site has just made this effortless.

Profit Flow is more layered. Banks take risk. However, when a party lends money to some-one they owe money to, the risk goes both way. There is a form of a hedge. Read that again. If you do this while strengthening vendor-customer relationships, then you have Profit Flow. This is a 6 or 12 month refundable customer deposit that bears agreed interest (around 10% pa). This is within the context of an ongoing trade relationship between the parties. Buyers owe suppliers on a trade account. Suppliers can owe buyers for a refundable customer deposit. Risk goes both ways. Suppliers get stronger relationships and customers fund their working capital cycle. Buyers get stronger relationships without a change in their current ratio, and get a great return on their cash. Lend money to people you owe money to. Do business with people who want to do business with you. Suppliers and buyers create a win-win loop easily executed on the site, no integration required. Why would they not do this? With no external bank introducing unhedged risk, businesses love this - banks, not so much.