Name the release event
Define whether the trigger is production, vessel departure, document release, customs clearance, warehouse release, or supplier credit release.
Industry Problem — HVAC Equipment
HVAC Equipment: cash tied up before goods are released.
If you pre-fund early because the bank is slow, you may protect the shipment but trap cash before the release event is real.
HVAC Equipment cash flow is Highly seasonal: AC orders Mar-May, heating Sep-Nov. Stock buildup ahead of season. Emergency demand unpredictable.. If settlement timing is uncertain, finance pays early, operations gets comfort, and working capital carries the cost.
Industry overviewRemove the timing buffer
If settlement can complete when the release event is ready, treasury does not need to fund days early just to absorb bank delay.
Keep proof close to payment
Attach the right invoice, shipment reference, and beneficiary confirmation before approval so compliance does not create a late hold.
Track the working-capital gain
Measure days of cash released, demurrage avoided, and supplier escalations prevented. The value is operational, not just payment fee reduction.