1. Transform Your Payables Process into a
Revenue Generator…
Guaranteed.
Presented By:
Matt Wright, VP Client Services, Taulia

2. Fundamental Inefficiency in the Supply Chain
Buyers are Holding
Record Amounts of Cash
Generating Low Returns
Small Businesses Have
Limited Liquidity and
High Cost of Capital
Traditional Supply Chain
Connectivity Creates
Delays in Supplier Payment

3. Record Amount of Cash Earning Low Return
Buyers Have Excess Cash
U.S. Non-Financial Companies’ Cash & Liquid Assets
Low Return on Cash
U.S. Interest Rate – 10-Year Treasury Rate
($ in tn)
0%
2%
4%
6%
8%
10%
1990 1995 2000 2005 2010
$0.0
$0.5
$1.0
$1.5
$2.0
1990 1995 2000 2005 2010

4. Suppliers Have No Access to Financing
Suppliers Face a Financing Gap and Predatory Costs of Capital
Traditional Supplier
Finance Only Serves the
Largest Suppliers
Banks Continue to
Enforce Strict Lending
Requirements
“Long-tail” Suppliers
Limited to Factoring, P-
cards and Other Expensive
Forms of Finance

5. Lack of Connectivity Causes Delay in Payments
SuppliersBuyers
Inefficient Buyer-Supplier
Connections Lead to No Visibility
into Invoice Process
APPROVED
INVOICE
10 DAYS
Average time to approve a
valid invoice
Source: Taulia Analysis
Source: REL/Hackett Group
Average U.S. payment terms
55+
DAYS

6. Banks Benefit from This Inefficiency
SUPPLIER
Invoices
Customer
BUYER
Approves Invoice
on Day 5
BANK
Invoice-Net 60
Buyer Earns
0.75% APR until
Due Date
Suppliers
Borrow at 20+%
APR
1.
2.
3.

7. Common Challenges within Payables Process
No visibility
into the
invoice
process
Unnecessary
invoice
status and
inquiry calls
AP Depts.
drowning
in paper
High cost
of
manually
processing
invoices
Missed early
payment
discount
opportunities

8. Buyer / Supplier Pain Points
Why do supplier inquiry calls take up
most of my time?
Am I missing out on supplier discount
opportunities?
Is there a better way to optimize
working capital?
Buyer Pain Points
Did you receive my invoice?
When will I get paid?
Can I get paid earlier?
Supplier Pain Points

9. Solving The “What If” Game
What if…
You can
address your
suppliers’ needs
for early
payment?
What if…
You keep all the
returns that would
have normally
gone to the bank?
What if…
Suppliers could
check the status
of their invoices
online 24/7?
Suppliers could
incentivize early
payments?
What if…
What if…
There is a way
for you to pay
your suppliers
less and have
them thank
you?

10. This Can Be Achieved with Dynamic Discounting
3.0%
2.5%
2.0%
1.5%
1.0%
0.5%
0%
0 10 Days 20 Days 30 Days
$
2% 10
Net 30
“Hit-or-Miss Discount”
3.0%
2.5%
2.0%
1.5%
1.0%
0.5%
0%
0 10 Days 20 Days 30 Days
$
$
Sliding Scale Discount
Antiquated Discounting Dynamic Discounting

11. An Emerging Trend
Introduction Growth Maturity Decline
Innovators Early Adopters Majority Laggards
Source: PAYSTREAM ADVISORS
Dynamic
Discounting
IDC/OCR
Paper Check
P-Cards
Outsourcing
Front-end Imaging &
WorkflowE-Procurement
Electronic Invoicing
B2B E-Payments

12. Payables as an Opportunity for Revenue
0 DAYS
invoice
10-15 DAYS
approval
60 DAYS
due date
OPPORTUNITY
AVERAGE PAYMENT TERMS (DAYS)
Anheuser-Busch
Hertz
Apple
Industry Average
120 DAYS
60 DAYS
45 DAYS
56 DAYS

13. The Win-Win Solution that Generates Revenue
Enables Buyers to save money and
improve return on cash by paying
suppliers early
Enables Suppliers to access less
expensive financing alternatives by
accepting time-variable Dynamic
Discounts

14. Now With More Flexibility Than Ever Before
Buyers can now pay their suppliers early while
having the flexibility to choose the funding source
3rd Party
Financial Institution
Buyer-Funded

15. Flexible Interest Rates Set By You
• Available cash
• Supplier
segmentation
• Offer rates
• Available payment
dates
• DPO strategy
• Market interest rate
• Supplier rating (Dun
& Bradstreet)
• Supplier performance
(Scorecard, Preferred
Supplier)
• Opt-in based on
supplier need at the
time of approval to the
• Offers are made to AR
who are managing
collections
• Result often differs
from initial PO
negotiation
Finance controls
the offer
Rates are
flexible
Supplier can
opt-in

16. Why Suppliers Choose Early Payment Discounts
Allow them to get paid sooner
Payment dates are well under
industry averages
Discount rates can be less
expensive than alternative forms of
financing
More convenient than funding
alternatives
Better balance sheet Helps to meet quarterly targets

17. Cost-Saving Efficiencies
Dynamic Discounting
Financial Gains
eInvoicing
Efficiency Gains

18. Unparalleled Visibility, Control & Compliance
The Many Cost-Saving Benefits of eInvoicing
Reduced
Processing Costs
Increased Invoice
Approval Cycle Times
Improved Cash
Management
Increased Visibility into
Invoices and Payments
Greater Accuracy
and Efficiency

19. Key Buyer Benefits of an Automated P2P Platform
01Eliminate paper and data entry
from the invoicing process to
increase AP efficiency
INCREASE eINVOICING
02Give suppliers 24/7 access to
the status of their invoices and
payments
ELIMINATE INQUIRIES
03PO distribution, delivery,
confirmation and ASN. PO
flip into invoices
CONTROL ASN & PO
04Interact and communicate with
suppliers more efficiently.
Control mass communication
COLLABORATE
05Allow suppliers to update
banking and address; request
documents electronically
VENDOR MAINTENANCE
06Add benchmarks, measure
performance metrics and
make actionable decisions
ANALYTICS

20. Key Supplier Benefits of an Automated P2P Platform
02Suppliers have 24/7 access to
the status of their invoices and
payments
TRANSPARENCY
06Suppliers can easily update
banking and contact
information – reducing error
and speeding payments
SELF SERVICESEARLY PAYMENT DISCOUNTS
05Suppliers can opt-in for early
payment discount as an
inexpensive, fast and easy way
to obtain financing
04Suppliers can easily forecast
financials and plan ahead for
future needs
IMPROVED FORECASTING
IMPROVED PAYMENT TIMING
01Suppliers can easily manage
their cash flow with payment
certainty 03Billing and remittance
information is available 24/7
LOWER AR COSTS

21. Turning Payables into a Revenue Generator
Reduced Costs
Financial Operational Costs
Hard Savings Through Discount Program
Reduce Supplier Inquiries / Redirect Resources
Eliminate Paper within AP
Organically Grow eInvoicing
Reduce Invoice Approval Cycle Time
Reducing Manual Entry Errors
Improved Supplier Services
Do Something FOR your Suppliers Instead of TO your Suppliers
Self-Services Allow Less Administrative Resources
Improved Controls and Supplier Satisfaction

22. Transforming Your AP Department
Imagine a world where…
Supplier inquiry calls become a thing of the past
Automating and maximizing supplier discounts is finally
achievable
Buyers have a lean invoicing, payables & discounting
process trimming millions off the bottom line

23. Questions?