Dynamic Discounting
What is Dynamic Discounting?
Dynamic Discounting is a supply chain finance solution that allows buyers to utilise their excess cash to pay invoices early, at a discount agreed with their suppliers.
Our multi-funder platform provides buyers with the flexibility to use excess cash in line with their commercial trading cycle and offers it as an Early Settlement programme for corporates.
How does Dynamic Discounting work?
How does Early Settlement work in Dynamic Discounting?
Early Settlement is a form of Dynamic Discounting that allows the funder to remain central and use their balance sheet. The solution enables a Buyer to improve its P&L by early settling invoices at a discount agreed between the buyer and the funder. This structure works as a complement to Payables Finance – the funder remains at the centre of the solution, offering the buyer flexibility to alternate between buyer or funder funding.
Demica provides a best-in-class global platform, implementation and support, to ensure these programmes run seamlessly for all parties.
Our Platform makes it simple

Buyers: The platform allows early settle invoices and offers enhanced reporting related to each early settlement request.

Suppliers: Suppliers have access to early payment on demand with same experience regardless of funder.

Funders: The Demica Platform enables funders to configure the Early Settlement programme for each applicable buyer and approve invoices for early settlement.
New Dynamic Discouting Programme for Shoprite
The programme, the first of its kind in the food retail industry in Africa, provides Shoprite’s suppliers with the opportunity to access capital when they need it.