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Early-payment discount capture

Invoice matching
Primary · Finance
Secondary · Procurement
Ready for publish

Early-payment discounts expire unnoticed. The terms are right there on the invoice, but nobody watches the clock against the payment run.

Flo reads the invoice terms, identifies the discount window, and flags the invoice to be paid in time to capture it. It surfaces the savings and the deadline to AP.

Flo surfaces the window. Finance schedules payment. The discount gets captured instead of lapsing.

Intake and Approvals flow
CONFIGURATION
TOOLS
Read terms
NetSuite
API
Reads the invoice payment terms and dates.
Find discount
Spendflo
Context Library
Identifies the early-payment discount window.
Flag timing
Slack
Flags the invoice and the savings to AP.
Schedule note
after approval
NetSuite
API
Notes the target pay date on the invoice.
CONTEXT USED
  • Use Read terms to confirm the request has budget before routing.
  • Use Find discount to validate the request and flag any exception.
  • Use Flag timing to route the chain to the right approvers, in order.
  • Once approved, use Schedule note to raise the PO. Never raise a PO before approval.
  • Escalate anything over threshold or outside policy to a named human owner.
SIMULATION
1
System
NetSuite
Approved invoice with 2/10 net 30 terms
2
Flo
NetSuite
Read the terms and the approval date
3
Flo
Spendflo
Identify the 10-day discount window
4
Flo
Spendflo
Calculate the 2 percent savings
5
Flo
Slack
Flag the window and savings to AP
6
Team
Slack
✓ AP schedules the payment in time
7
Flo
NetSuite
Note the target pay date on the invoice
Intake and Approvals flow
GUARDRAILS
⛉
Flo surfaces discount windows. It never releases payment.
⛉
Flo flags the timing; finance schedules the run.
⛉
Discount captures still follow the approval trail.
⛉
Flo never pays a vendor on its own.
Intake and Approvals flow
See Flo work
Watch the agent take a live request from intake to PO.
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AP automation
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Testimonials
“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.
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