Supply Chain & Trade Finance · Early Payment

Early Payment Programs

Early payment programs give suppliers access to cash before invoice due dates — at rates based on the buyer's credit quality or the buyer's own surplus cash. OAKRG structures early payment solutions for buyers and suppliers.

Start the Conversation All Services
24–48hr
Typical Payment Speed
0.5–2%
Annual Discount Rate
Supplier Choice
Opt-In Per Invoice
What We Offer

Capital Solutions Tailored to You

01
Dynamic Discounting
Buyer uses own surplus cash to offer suppliers early payment at a sliding discount rate — the earlier the payment, the larger the discount.
02
Third-Party Funded EPP
External financier funds early payment on the buyer's credit — suppliers access cheap capital without the buyer deploying their own cash.
03
Platform-Based Solutions
Technology platforms enabling suppliers to view approved invoices and select which to accelerate, with instant payment confirmation.
04
Selective Receivables Discounting
Suppliers choose which invoices to accelerate — picking the largest or most urgent — rather than factoring their entire ledger.
05
Anchor Buyer Programmes
Large buyer-anchored programmes where a single buyer's credit enables an entire supply chain to access low-cost early payment.
06
Multi-Buyer Platforms
Fintech platforms aggregating early payment demand across multiple buyers — enabling smaller suppliers to access early payment from diverse buyer relationships.
Early Payment
Cash Flow
Who This Is For

Clients We Serve

Suppliers to Large Buyers
Companies invoicing creditworthy enterprise or government customers
SME Suppliers
Small businesses with slow-paying large customers
Seasonal Businesses
Companies with uneven cash flow through the year
Export Suppliers
Companies supplying international buyers on long payment terms
Construction Subcontractors
Subcontractors waiting 60–90 days for payment
Staffing Agencies
Agencies with large enterprise clients on 30–60 day terms
How We Work

The Process

01

Initial Consultation

We review your capital requirement, stage, and objectives to identify the right structure and investor type.

02

Documentation & Preparation

We assess your materials and identify gaps before investor introductions begin.

03

Targeted Introductions

We make direct introductions to investors with active mandates matching your profile — no mass distribution.

04

Term Negotiation & Close

We support term sheet review and work alongside your legal team through to execution and close.

FAQ

Frequently Asked Questions

An early payment program (EPP) is a structured arrangement enabling suppliers to receive payment on approved invoices before the standard invoice due date — typically at a small discount reflecting the time value of money. EPPs are either funded by the buyer's own cash (dynamic discounting) or by a third-party financier on the buyer's credit (reverse factoring).
Dynamic discounting is a buyer-funded EPP where the buyer uses surplus cash to offer suppliers early payment at a discount that slides with the payment date — the earlier the payment, the larger the discount. The buyer earns a return on cash they'd otherwise hold in low-yield accounts; the supplier pays a lower rate than traditional factoring.
A third-party financier (bank or fintech) funds early payment on the buyer's credit — the supplier receives payment quickly from the funder, the buyer pays the funder on the original invoice due date. The financing rate is based on the buyer's credit quality, enabling suppliers to access cheaper capital than their own credit would allow.
Dynamic discounting rates are typically set by the buyer and reflect their weighted average cost of capital — often 3–8% annualised. Third-party funded EPPs offer rates based on the buyer's credit — typically 0.5–2% per annum for investment-grade buyers.
Yes, if their buyer has established an EPP. The supplier's own credit quality is irrelevant — the financing is based on the buyer's creditworthiness and the approved invoice. Suppliers opt in on a per-invoice basis, choosing which invoices to accelerate.
Leading SCF platforms include Taulia, C2FO, Greensill successors, Orbian, and bank-proprietary platforms. Suppliers log into a portal, view approved invoices, and click to accelerate payment. Funds are typically received within 24–48 hours of request.
Yes. OAKRG helps buyers design early payment programs — selecting the right platform and funder, structuring the discount mechanics, and managing supplier onboarding — for both dynamic discounting (buyer-funded) and third-party funded SCF programmes.
Get Started

Set Up an Early Payment Program

OAKRG designs early payment solutions for buyers and suppliers. Tell us your annual invoice volume, buyer credit quality, and supplier geography.

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