---
title: "Tool 79 — Dynamic Discounting & Working Capital Optimizer"
method: POST
path: "/v1/tools/dynamic_discounting"
---

# Tool 79 — Dynamic Discounting & Working Capital Optimizer

`POST /v1/tools/dynamic_discounting`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/dynamic_discounting`
- Auth: none declared

Evaluate whether paying supplier invoices early captures positive economic value. Single invoice mode and portfolio optimizer. Calculates annualized return, net benefit, DPO impact, and foregone yield. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/79-dynamic-discounting.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `coc` string
  - `termStr` string
  - `invAmount` string
  - `discPct` string
  - `discDays` string
  - `netDays` string
  - `cashBuffer` string
  - `portfolio-budget` string

## Response `200`

Successful tool execution result

- object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)