Early-Pay Discount Reconciler
AP missed $1,314.70 of early-payment discounts on 5 invoices ($645.20 paid inside the window and claimable), took $475.50 of unearned discounts, and lost $201.26 to early and late payment timing.
The window runs 10 days from the invoice date 2026-03-16, to 2026-03-26. Paid 2026-03-25, inside the window, with no discount deducted, so $22,300.00 x 2% = $446.00 is claimable from the vendor.
Method1Terms strings are parsed into discount %, discount days, net days and an EOM flag; PROX and 'end of month' are read as EOM.
2The discount deadline is the invoice date plus the discount days and the net due date is the invoice date plus the net days; for EOM terms both run from the last day of the invoice month.
| Vendor | Invoice | Invoice date |
|---|---|---|
| Keystone Fastener Supply | KF-20488 | 2026-03-16 |
| Keystone Fastener Supply | KF-20533 | 2026-04-01 |
| Bluewater Packaging Co. | BW-7815 | 2026-03-19 |
AP payment history with invoice terms
Missed discount ledger and an annualized cost of capital view (AP policy note, Missed-discount ledger (CSV), Vendor summary (CSV))
$2,500 / month, 30% to the referring partner
Read in memory for the session, never stored, never used to train a model.
Not financial, investment, banking or securities advice. Filings and screening results must be reviewed by a qualified compliance professional.