Early-payment discounts expire because no one connects the invoice terms to the payment run in time. A 2/10 net 30 term is worth far more annualized than it looks, and most of it lapses unnoticed.
Flo reads the invoice terms in NetSuite, identifies the discount window, and flags the invoice and the savings to AP before the window closes. It notes the target pay date on the invoice.
Flo surfaces the window. Finance schedules payment. The discount gets captured instead of lapsing, and the capture still follows the approval trail. Flo never releases payment on its own.



“Finance queries Flo AI and surfaces exactly what they need for reforecast: which renewals are approaching, what savings are in play, when contracts are closing. Live insights, on demand no back-and-forth, no delays”

Toral Patel,
VP Accounting

“With Spendflo, we finally have unified visibility. We can look in one portal and see all our spend, upcoming renewals, and how we’re actually using the licenses we’re paying for.“

Josh Rappoport,
VP Finance

“Spendflo AI triages intake and guides them through the right workflows. Centralize contracts, approvals, vendor data, and docs in one place. AI tracks usage, sentiment, and timelines automatically.”

Scott Stibich,
Senior Accountant.