# We’re on a Mission to democratize Data Calculum is a science-driven, AI-powered supply chain analytics platform unlocking working Capital, generating billions of free cash flow. Calculum achieves this by providing AI-driven insights to finance, procurement and credit teams on their suppliers and customers. This intelligence transforms how payment terms are benchmarked, negotiated, and ultimately optimized to gain a competitive advantage. Headquartered in Miami, with operations in Europe, Asia and South America, Calculum’s platform is a spinoff from the leading University of St. Gallen in Switzerland. It is currently leveraged by some of the world's largest companies in the world. ## Mentioned by leading organizations Our Vision ## It started with a Vision Is there a better way to apply data analytics and AI to improve decisions made within financial supply chains? Our company was born with the aim of achieving the first step in this journey: Calculating and negotiating the optimum payment terms with suppliers and customers, thus improving working capital and margins as well as reducing risks and costs for businesses across the world. Payment terms form an integral part of any business-to-business (B2B) relationship affecting cash flow, profitability, sales growth, and risk with an impact on a company’s shareholder value. To help businesses grow and optimize overall company performance, Calculum was born and built the first platform capable of analyzing, predicting, and optimizing payment terms with millions of suppliers and customers around the globe. ## We’re hiring A collaborative culture. A disruptive vision. A better way. It’s how we live and what we strive for. Let's build something amazing - contact us. ## Meet our Leadership Team ### Oliver Belin Co-Founder and CEO ### Eric Zager Head of Global Business Development ### Karel Krejcí Head of Global Sales ### Amir Cohen Head of Data ### Carlos Garcia de Vinuesa Gil Head of Product .avif) ### Daniela Gonzalez VP Client Solutions %20(1).avif) ### Joel Izaguirre Lead Software Developer ## Calculum’s Mission We are a team of engineers and entrepreneurs with experience in financial supply chains, procurement, data analytics, and fintech. Navigating through multiple data sources and thousands of different data points is complex and time-consuming. Powered by artificial intelligence (AI) and perfected by processing millions in transactions, Calculum provides accurate, updated information on financial supply chains that allows companies to gain a competitive advantage. So far, insights into financial supply chains have been offered by expensive top-tier consultancy companies and based on manual calculations. Our mission is to make data available to every company in any industry, regardless of size and country. ## Our Values drive the Company ### Our clients are our primary focus Whether we are designing a platform feature or sourcing a new data point, every decision is driven by the goal of empowering their success. ### Integrity is our foundation We work to the highest standards of integrity in everything we do, always striving to act truthfully, honorably, and decisively do the right thing. ### To innovate is what drives us Our primary drive is to generate breakthrough ideas and convert them into solutions. We value innovation over tradition. ### Driven by passion We believe passion is the single most important ingredient for business success. Loving and taking pride in what you do instills the motivation to work harder. ### Global insights with universal impact We are a global organization with a mission to optimize payment terms worldwide, across every industry and for companies of all sizes, delivering a tangible competitive advantage. ### Expertise driving client success We solve complex issues through continuous iteration and challenging ourselves to deliver a constantly improving platform that makes a difference to our clients. ## Recognized and awarded by Procurement, Treasury, and Fintech - ### Best Working Capital Innovation Working Capital Forum, 2022 - ### Best Working Capital Improvement Working Capital Forum, 2025 - ### Future of Sourcing Awards Innovations in Sourcing, 2023 - ### Future 5 Spend Matters, 2023 - ### Supply Chain Finance Innovation Award SCF Community, 2024 - ### Best Procurement Excellence Global Financial Market Review, 2025 - ### Best Start Up Company in Florida Florida Venture Forum, 2021 - ### Best Supply Chain Analytics Solution Global Financial Market Review, 2025 ## Where We Are We are on a mission to empower companies to unlock millions in free cash flow, significantly improve their margins, select optimal trading partners, and reduce the risk of supply chain disruptions. By leveraging AI and advanced algorithms against millions of data points, Calculum completes tasks in seconds that traditionally took companies months to achieve. ## Where We’re Going Calculum has embarked on a journey with its team, developing many more solutions that extend and expand the offering to customers. This ensures companies gain deeper insights, further enhancing their liquidity and vital relationships with both suppliers and clients. Once a robust AI platform is established to collect, collate, and analyze key data points across a company's financial supply chain, the ability to attribute specific actions to performance outcomes becomes both possible and inevitable.