Working Capital
Access working capital pre-approved on your operating data — not your pitch deck.
How it works
Theorem underwrites against the data your books already hold — AP velocity, AR aging, payroll regularity, cash position. Lines pre-approve in hours, not weeks; pricing reflects real credit risk, not blanket terms.
Draws hit your operating account. Repayment is automatic from cash flow. Covenants monitor against the live books — no quarterly certificate scramble.
Value
Three pillars
Unlock every dollar.
Purpose-built for finance teams that need capital working harder, not sitting idle.
Dynamic Discounting
Automatically identify early payment opportunities across your payables portfolio. AI optimizes discount capture based on your cash position, supplier terms, and target yield — maximizing returns on excess cash.
Supply Chain Finance
Extend payment terms to suppliers while ensuring they get paid early through third-party financing. Strengthen your supply chain without straining relationships or your own balance sheet.
Cash Flow Optimization
Real-time forecasting models predict cash needs across entities and time horizons. Automated recommendations balance working capital efficiency with liquidity requirements and covenant compliance.
Agents in action
Native working capital.
Agents that handle invoice factoring, discount optimization, and cash forecasting — with complete auditability.
Agents coordinate invoice factoring
A single factoring request triggers invoice verification, risk assessment, and funding agents that work in parallel and resolve autonomously.
Pricing that sharpens over time
Every repayment, default signal, and market movement feeds back into the model. Your working capital costs decrease as the system learns your portfolio.
Encode your receivables data, debtor profiles, and payment histories into structured training data.
Fine-tune models on your industry, customer base, and seasonal patterns for optimal pricing and risk assessment.
Agents execute real funding decisions with full audit trails and human-in-the-loop approval controls.
Every funding cycle improves risk scoring, advance rates, and cash flow forecasting accuracy.
Unlock your working capital.
See how Theorem turns receivables into immediate cash flow with AI-powered working capital solutions.