Calculum is a Miami (FL) based FinTech company that helps organizations unlock millions in working capital and generate free cash flow by optimizing payment terms. In short, Calculum helps companies get paid earlier and pay invoices later. Calculum’s platform allows organizations to compare themselves with their competitors. With the web-based platform leveraging artificial intelligence, companies can analyze all their suppliers in terms of payment terms, financials, sustainability, ESG (Environmental Social Governance), and seize all the necessary arguments to negotiate more favorable terms. Calculum identifies on average over 20% in working capital benefits and initiatives, positively impacting free cash flow, which in turn can be invested directly in their growth, development, and sustainability programs. Calculum provides its financial supply chain solutions to companies of all sizes, including banks and private equity institutions and their corporate clients globally.