Payable Finance

Extend Your Runway Empower Your Supply Chain

Optimize your working capital by extending payment terms without squeezing your vendors. Origin provides early liquidity to your global suppliers while allowing you to hold onto your cash longer.

THE ORIGIN STRUCTURE

Settlement (Day 90+)

You repay Origin at the end of the extended term. You benefit from increased Days Payable Outstanding (DPO) and preserved cash on hand for strategic growth.

Supplier Payment (Day 5)

Origin pays your supplier immediately (or on their requested date), often at a lower cost of capital than their own borrowing options. The supplier gets liquidity; you remove the supply chain risk.

Invoice Approval

You approve your supplier’s invoice as per your standard process. No changes to your ERP are required.

THE ORIGIN DIFFERENCE

BEYOND THE PLATFORM

Global Vendor Support

Your supply chain is global, and so is our funding. We can onboard and fund suppliers across North America, Europe, Asia, and the Middle East, handling multi-currency settlements seamlessly.

Flexible Execution Models

We adapt to your vendor relationships, not the other way around. We can deploy fully managed “White-Glove” supplier onboarding programs, or structure Buyer-Led facilities where we settle invoices on your behalf without requiring vendor opt-in or integration.

True Term Extension

Unlike simple early-payment discounts, our facility allows you to fundamentally restructure your working capital cycle. Hold cash for 30, 60, or 90 days beyond standard terms without impacting vendor relationships.

Calculate Your Working
Capital Gain

See how much cash you can add to your
balance sheet by optimizing DPO

Strategic Applications

Balance Sheet Optimization

You are sitting on inventory longer than expected. Use Payables Finance to align your cash outflows with your cash inflows, fixing the “cash gap” without utilizing senior debt.

Supply Chain Stability

Your strategic suppliers are facing liquidity pressure. Providing them access to Origin’s facility strengthens their financial health and ensures they can continue to deliver for you.

Margin Improvement

Leverage the facility to negotiate cash discounts or better unit pricing with suppliers, knowing that Origin can pay them on Day 1 while you pay on Day 90.

Structuring & Technical
Considerations

Is this considered debt on my balance sheet?

Properly structured Payables Finance is typically treated as trade payables rather than debt, provided terms remain within reasonable commercial standards. Origin works with your finance team and auditors to meet accounting objectives.

Who pays for the financing?

The structure is flexible. Often, the supplier pays a small discount for early payment. Alternatively, the buyer may subsidize or cover the cost to offer a free benefit to strategic vendors.

Do suppliers need to join a platform or sign agreements?

Not necessarily. Origin also specializes in Buyer-Led settlement, acting as a paying agent so suppliers receive funds without signing new agreements or changing processes.

Will this disrupt vendor relationships?

No. Our priority is supply chain stability. We enable working capital extension without forcing suppliers to change terms or adopt new systems.

Does this require complex ERP integration?

No. Origin uses light-touch data exchange via secure upload, SFTP, or API, with no changes to your core accounting processes.

Strength your supply chain
preserve your cash

Optimize your payables Strategy Today