MIS Reports | AP Aging & Cash Forecast

AP ageing and cash forecast on one screen. Across currencies.

Open bills aged with the terms you agreed and the discounts about to lapse flagged on the line. DPO trend and vendor concentration. Payment runway computed against your current position in every currency you hold. Early-pay discount opportunities surfaced with the APR-equivalent yield, so the decision is a return comparison rather than a feeling about cash.

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What the system does

Capability, input, output.

Capability	Input	Output
AP ageing with flags	Open bills + agreed terms + discount windows	Ageing with multi-flag overlay
Multi-currency position	Bills and balances in each currency	Runway per currency and translated to the group view
DPO trend	12-month bills + payments	DPO trajectory
Cash runway	Bank + AR + AP scheduled	13-week rolling runway with stress scenarios
Vendor concentration	Open bills by vendor	Top-10 exposure and dependency
Discount yield ranking	Dynamic discount offers	APR-equivalent ranking with cap usage

AP ageing with flags

Input

Open bills + agreed terms + discount windows

Output

Ageing with multi-flag overlay
Multi-currency position

Input

Bills and balances in each currency

Output

Runway per currency and translated to the group view
DPO trend

Input

12-month bills + payments

Output

DPO trajectory
Cash runway

Input

Bank + AR + AP scheduled

Output

13-week rolling runway with stress scenarios
Vendor concentration

Input

Open bills by vendor

Output

Top-10 exposure and dependency
Discount yield ranking

Input

Dynamic discount offers

Output

APR-equivalent ranking with cap usage

Compliance + integrations

A forecast built on what you agreed, not what you hoped.

Nothing here is driven by statute, which is worth saying plainly: Singapore has no rule that penalises paying a supplier late, so the discipline has to come from the terms and the cash. The forecast is real because it reads the agreed terms on each bill and your actual position in each currency rather than a single blended number.

Regulations we work within

Withholding tax, Section 45

Payments to non-residents carry their withholding position into the forecast.
Contracted terms

The agreed payment term on each bill drives the ageing, not a default assumption.

Connects to

Bank feeds Live bank position
AR module Receivables projection

AP Aging & Cash Forecast FAQ

What buyers ask.

Without a statutory payment rule, what sets the priority?

The terms you agreed, the discount windows about to close, and the vendors you cannot afford to annoy. That last one sounds soft and is not: the concentration view shows which suppliers you are dependent on, and those are the bills where paying late costs more than the cash it saves. The ordering is yours to set, and the screen gives you the three inputs to set it on.

Stress scenarios on the cash forecast. How do those work?

The CFO can run stress scenarios: 50% receivables slip by 30 days, accelerated AP payment to capture all discounts, large customer goes 90 days late. Each scenario surfaces the resulting cash trough and the time-to-buffer-exhaustion. Risk-adjusted forecasting in place of point-estimate forecasting.

How do early-pay discount opportunities get ranked?

Each opted-in vendor's discount curve runs against the open bills with days-to-due. The APR-equivalent yield computes per offer. Offers rank by yield against the CFO's daily cash cap. The CFO accepts top offers within the cap; the system schedules the early payment.

Related features

See your AP ageing with the forecast next to it.

Connect bank and AP module, free. The ageing, the runway and the discount opportunities all populate on one screen with your data.