# Are your payment terms optimized? Probably not – and it’s costing you. Calculum can help.

October 20, 2022  
Read time: 2 min

Refresh Miami - a nonprofit organization dedicated to nurturing, inspiring, connecting, and growing South Florida’s fintech ecosystem, took a closer look at Calculum's value proposition.

This insightful article discusses how the growing awareness of the fragility of the global market for goods has highlighted the importance of implementing resilient Supply Chain Management systems.

Payment terms, Working Capital, Free Cash Flow, ESG metrics, and more are on the agenda. To read the full article, please click [here](https://cdn.prod.website-files.com/6009501ad877545a702ead80/6356a957e17f7109d995ee7b_Are_your_payment_terms_optimized_Probably_not_%E2%80%93%C2%A0and_it%E2%80%99s_costing.pdf).

## The 60-Day Hard Cap: Why the UK’s New Payment Reform Is a Working Capital Wake-Up Call  
The UK's 60-day payment terms cap is reshaping working capital and supply chain finance. See how the regulation shifts liquidity for your business.  
April 7, 2026  
Read time: 5 min

[Read more](https://www.calculum.ai/all-posts/uk-60-day-payment-terms-working-capital)

## Calculum Selected for Mastercard Start Path Program  
Calculum joins Mastercard Start Path, Mastercard's global fintech program for high-impact startups transforming working capital and payment terms.  
February 25, 2025  
Read time: 1 min

[Read more](https://www.calculum.ai/all-posts/calculum-selected-for-mastercard-start-path-program)

## Calculum Featured in Refresh Miami: Rethinking Working Capital Management  
Calculum was featured in Refresh Miami for its mission to transform how the world’s largest companies manage cash and working capital.  
April 10, 2025  
Read time: 1 min

[Read more](https://www.calculum.ai/all-posts/calculum-featured-in-refresh-miami-rethinking-working-capital-management)

## Why the Pharma Sector Needs to Focus On Working Capital  
Sooner or later, there comes a time every company needs to revisit and recast its working capital position.  
July 20, 2022  
Read time: 10 min

[Read more](https://www.calculum.ai/all-posts/why-the-pharma-sector-needs-to-focus-on-working-capital)

## Uncovering Free Cash Flow: How Treasury discovers hidden Working Capital  
Many businesses have significant amounts of working capital locked up on their balance sheet. Learn how to unlock it.  
March 11, 2022  
Read time: 15 min

[Read more](https://www.calculum.ai/all-posts/uncovering-free-cash-flow-how-treasury-discovers-hidden-working-capital)

## Using the right wording for your payment terms  
Payment terms wording on invoices directly affects cash flow. See which phrases cut days-to-pay, reduce overdue invoices, and protect working capital.  
March 8, 2020  
Read time: 6 min

[Read more](https://www.calculum.ai/all-posts/using-the-right-wording-for-your-payment-terms)

## Unlocking Working Capital Efficiency through Supply Chain Finance: A Strategic Approach  
PwC, CRX, and Calculum experts explore a strategic approach to Supply Chain Finance and how to effectively improve working capital management.  
February 21, 2024  
Read time: 7 min

[Read more](https://www.calculum.ai/all-posts/unlocking-working-capital-efficiency-through-supply-chain-finance-a-strategic-approach)

## University of St.Gallen Special Feature  
Stable supply chains depend on stable financial flows. University of St.Gallen feature on how payment-flow efficiency drives supply chain resilience.  
April 10, 2024  
Read time: 5 min

[Read more](https://www.calculum.ai/all-posts/university-of-st-gallen-calculum)

## The step-by-step process of Supplier and Payment Terms Analysis  
Step-by-step guide to supplier and payment terms analysis. Based on Oliver Belin's 'Uncovering Supply Chain Finance' working capital framework.  
September 23, 2021  
Read time: 5 min

[Read more](https://www.calculum.ai/all-posts/the-step-by-step-process-of-supplier-and-payment-terms-analysis)

## The Power of Free Cash Flow and Working Capital Management  
Why working capital management is the forgotten cash flow lever. A foundational look at supplier payment terms and their impact on liquidity.  
October 23, 2023  
Read time: 6 min

[Read more](https://www.calculum.ai/all-posts/the-power-of-free-cash-flow-and-working-capital-management)