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S23

Vendor Payment Stretch

Working Capital / base / 1 to 3 months

What it detects

The company is paying vendors increasingly late, a behavioral indicator of cash stress.

Why it matters

Large companies deliberately extend DPO as a working capital strategy. This is normal at scale. The signal only fires when DPO is *rising*, above the standard Net [redacted] threshold, *and* cash is tight, the combination that distinguishes cash stress from deliberate float management.

Severity levels

  • LOW
  • MEDIUM

Thresholds

  • DPO_STRESS_THRESHOLD

Exact thresholds, formulas, and severity bands are omitted from this public view. The full methodology, with every figure, is available in the authenticated app.

How it connects

If DPO extends beyond vendor terms, supplier relationships and credit terms are at risk. Combined with rising DSO, this compresses working capital from both ends.

SEE IT ON REAL NUMBERS

The exact thresholds, the formula, and your own figures are in the authenticated app. See it against a real, simulated dataset for Integra Executive Services, our public demo company, or connect your own QuickBooks Online account.

Get accessSee the nightly proof