AI CFO
3:44:00 AM · Mon 26 JanActive
Steelco — early-pay discount High priority
Payment decision • flagged today
M
Maya — cross-agent check
Checking the rest of the business…
Proposed change
Current
₹24.8 L
pay Day 60
Proposed
₹24.3 L
pay Day 10, 2% off
Key considerations
Discount beats cost of capital
2% for 50 days ≈ 14.6% annualised, above the 11% CC rate
Tightens cash this week
Uses ₹24.3 L of ₹13 cr headroom before the Jan 28 squeeze
Strengthens a key supplier
Raw-steel vendor, 18% of material spend
Decision options
Ask Maya
ImpactVendorHistory
Cash impact
Cash out today
Now
₹0
After
₹24.3 L
Annualised yield
CC rate
11%
This pay
14.6%
Line utilisation
Now
69%
After
73%+4pp
Selected: Pay early, take discount · +₹49.6k saved