Introduction

Imagine unlocking hidden cash flow potential by aligning payment terms, streamlining collections, and eliminating process bottlenecks—without compromising compliance. Intellifold’s Working Capital solution delivers real-time, data-driven insights, helping you optimise AP/AR processes, improve cash flow predictability, and enhance financial health.

The Problem

Inconsistent terms, baseline date overrides, and manual follow-up cause cash flow unpredictability. Finance teams struggle to manage payment cycles effectively and maintain compliance with regulations like the Payment Times Reporting Act. Common challenges include:

• Misaligned Payment Terms creating missed early discounts or late penalties
• Off-Cycle and Manual Payments leading to extra effort and cash flow volatility
• Inefficient AP & AR Processes causing high DSO/DPO and complex dunning cycles
• Data Quality Issues such as missing or incorrect master data hindering efficient and consistent processes, analysis and forecasting

Over time, these inefficiencies erode profit margins, complicate compliance, and limit your ability to invest in growth.

Traditional BI tools only scratch the surface, failing to reveal the root causes of inefficiencies and non-compliance, and they do not support improvement actions and continuous monitoring.

Fragmented and complex data across systems creates blind spots, making it impossible to track cross-departmental processes effectively, or to clearly measure the impact of improvement initiatives.

Unaddressed process bottlenecks and control failures lead to significant operational risks, rework, unnecessary costs, and lost revenue.

The Solution

Intellifold’s Working Capital analytics act like an X-ray for your finance operations, revealing exactly where inefficiencies and unauthorised behaviours hide. From day one, you’ll see:

• Real-Time Payment Insights: Track every invoice and transaction status to align payment terms with strategic goals.
• Simulated Impact Analysis: Test changes—like adjusting payment terms or automating certain tasks—and view the financial outcomes in live dashboards.
• Compliance-Ready Reporting: Easily manage reporting for regulations such as the Payment Times Reporting Act, backed by actionable data.
• Data-Driven Optimization: Highlight rework and bottlenecks in AP/AR processes, then decide whether automation, policy updates, or process redesign offers the best ROI.

With these powerful insights, CFOs and finance managers can proactively fix process inefficiencies, ensure that inventory, AR, and AP work in harmony, and drive cash flow improvements that directly impact the bottom line—all powered by actionable insights and AI-driven recommendations.

Key capabilities:

• Full Process Transparency: Visualise every handoff, missed step, and rework in real-time.
• KPI Tracking & Dashboards: Monitor essential metrics like Days Sales Outstanding (DSO), Days Payables Outstanding (DPO), Days Inventory Outstanding (DIO), average days to collect/pay, and more in a single, comprehensive view.
• Master Data & Payment Term Oversight: Spot changes in payment terms or baseline dates and ensure they’re authorised and in compliance with contract or policy guidelines.
• Scenario Simulation: Evaluate the impact of new payment policies or discount programs across every invoice, quickly convincing stakeholders with clear financial projections.
• Advanced Analytics & Root-Cause Detection: Identify why issues keep recurring and isolate the teams or activities involved. Monitor rework loops to stop repetitive incidents at their source.
• Automation & Future Prevention: Use the predictive insights to identify process patterns, cash flow challenges, and the right use of discount conditions. Integrate with RPA and AI solutions to automate collections and reduce manual follow-up.
• Regulatory & Contract Compliance: Tackle compliance obligations with robust reporting tools and alerts to avoid late payments or non-conformance.

Why Intellifold

• Beyond Dashboards: We dig deeper than Power BI or other reporting tools to expose root-cause inefficiencies that traditional dashboards miss.
• Product Flexibility: Fully customisable dashboards, analytics, and deployment options. Analytics can be executed directly within the solution or pushed back to the underlying database. Deployment in Intellifold cloud or private cloud environment.
• End-to-End Service: Unlike point-solution vendors, we provide the software, consultancy, training, and ongoing support in a single integrated package. This ensures a quick return on investment and the best use of advanced technology.
• Expert Guidance & Training: Your team quickly gains confidence through hands-on training and continuous improvement support.
• Security & Compliance: We’re SOC2-aligned and follow rigorous data governance and security protocols. See our Trust Center for details.
• 90-Day Transformation: Achieve full transparency, start tackling key bottlenecks, and improve compliance within 90 days—or we’ll work with you for free until you do.

Results you can expect

• 15–25% Increase in Working Capital: Align payment terms, reduce manual processes, and unlock more liquidity for strategic initiatives.
• Better Cash Flow Predictability: Eliminate random off-cycle payments and baseline date overrides, so you know exactly when cash is coming in—or going out.
• Reduced Delays by 50%: Automate repetitive tasks, cut back on manual errors, and limit rework or escalations.
• Proactive Prevention: Tackle non-compliance, duplicate transactions, and unwanted situations before they become real problems.
• Minimal Regulatory Risk: Generate audit-ready reports that satisfy payment and contracting regulations in multiple regions, such as the Small Business Payment reporting.

Common concerns

“We already have reporting and BI tools—why add Process Mining?”
Process Mining goes beyond visualisation to uncover root causes of inefficiencies that dashboards simply can’t.

“Is this compatible with our existing ERP/CRM/Workflow?”
Yes! We seamlessly integrate with common systems like SAP, Oracle, MS Dynamics, data warehouses and many more.

“Will our team struggle to adopt this?”
Our hands-on training and continuous support ensure quick, confident adoption. This is a priority for us.

“What about data security?”
We partner with leading cloud providers, offer on-prem or private cloud deployment, and follow strict compliance controls (SOC2).

When This May Not Be Right for You

While Intellifold solutions brings extraordinary value to organisations with complex, high-volume, and data-rich processes, there are times when our technology might not be the perfect fit:

• No Digital Footprint: If your process isn’t supported by systems that capture event data, we won’t be able to mine or analyze workflows effectively.
• Insufficient Volume: Our insights rely on patterns in enough transactions or complex steps to identify significant inefficiencies.
• Limited Buy-In for Change: Real transformation requires stakeholder support and organisational readiness to act on the insights we provide.

If these conditions apply, you may not see the full benefits of Process Mining & AI.

For everyone else and with the right commitments, we guarantee improvements within 90 days.

A 3-Step plan to Your Transformation

1. Discover & Assess: We tailor a solution and roadmap around your unique processes, compliance needs, and technical environment.
2. Seamless Setup & Integration: Our experts connect Intellifold to your ERP, CRM, workflow source systems, offering real-time insights.
3. Ongoing Support & Improvement: Expect continuous monitoring, consultancy, and training so you see and sustain real results.

Our Commitment to You

1. Our Guarantee: Full process transparency, and the first elimination of bottlenecks or improvements in compliance —or we keep working at no additional cost. We want to make this work for you!
2. Hands-On Partnership: From strategy workshops to tailored training, we’re with you every step of the way.
3. Security Assurance: We meet rigorous data protection standards, and if any issue arises, we resolve it fast at no cost.

Ready to Transform Your Processes?

Book a 30-Minute Call to discover how Intellifold’s Working Capital solution can drive cash flow predictability, fix process inefficiencies, reduce costs, and ensure compliance across your entire finance operation.

Intellifold — Your partner in Process Mining & AI for better processes, empowered finance teams, and an improved cash flow.