Working Capital Benefits Calculator

Calculate the potential working capital benefits of commercial cards

Tell us about your business, and we’ll show you the potential value a card payment strategy could deliver, tailored to your business. First, we just need a few details.

Now, choose the path that best meets your needs:

How can I get paid faster?

You’re a supplier looking to accelerate receivables.

How can I get more from my card spend?

You’re a buyer looking to extend your payment terms.

How can I free up working capital?

You’re a CFO or a Treasurer looking at the full picture including payables and receivables.

THE FIGURES AND OUTPUTS GENERATED BY THIS CALCULATOR ARE FOR ILLUSTRATIVE PURPOSES ONLY AND DO NOT REPRESENT A GUARANTEE, PROMISE, OR WARRANTY OF ACTUAL OR FUTURE PERFORMANCE. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.

The calculations are based on user-provided inputs and industry research averages that may not reflect your specific business, operations, industry conditions, customer base, or market.

The estimates produced should not be relied upon for operational, marketing, technical, tax, financial, investment, legal, or other business decisions, and are not a substitute for professional advice tailored to your circumstances.

All projections are hypothetical and depend on numerous factors beyond the control of Visa, including but not limited to payment mix, customer behavior, industry trends, operational practices, and macroeconomic conditions. Actual results may vary materially from the illustrations provided.

VISA MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, COMPLETENESS, OR FITNESS FOR ANY PARTICULAR PURPOSE OF THE CALCULATOR OR ITS OUTPUTS, AND EXPRESSLY DISCLAIMS AND SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES ARISING FROM THE USE OF OR RELIANCE UPON THE RESULTS. USE OF THIS CALCULATOR AND ITS DATA IS AT YOUR OWN RISK.

This calculator incorporates average performance metrics and benchmarks from independent, third-party research commissioned by Visa, as well as other published industry sources, including:

• The Total Economic Impact of Commercial Credit Card Acceptance: An Update, Forrester Consulting (originally published March 2021, updated June 2024).
• Future Growth Opportunities for Latin America and the Caribbean, Inter-American Development Bank (IDB), March 11, 2024.
• KoreFusion research studies conducted between July and October 2024 across multiple regions, surveying over 2,800 large merchants (≥$50M USD turnover).

All research reflects data from surveyed merchants at a specific point in time. The studies did not collect information on the time required to realize the benefits reported. Results may vary for individual merchants. For North America (NA) and Latin America & the Caribbean (LAC), certain values were derived from comparable KoreFusion regional data and adjusted for regional inflation rates.