Calculum is a Miami-based fintech that uses advanced analytics and AI to help companies optimize supplier selection, payment terms, supply-chain disruption risk, cash flow, and sustainability. Founded in 2021 by Oliver Belin, the platform provides data-driven insights for treasury and procurement teams to compare with peers and find opportunities down to the supplier level. Calculum delivers automated negotiation scripts tailored to each supplier to help teams secure better terms. The company says its platform identifies up to 20% in free cash flow for every supplier spend analyzed. Calculum has a partnership with London-based InvestVerte to provide ESG metrics that let companies use payment terms to incentivize supplier compliance. It positions its AI-driven treasury solution as an embedded, enterprise-wide process to generate free cash flow amid elevated interest rates and borrowing costs. Calculum offers an AI-driven platform that analyzes supplier risk and financial metrics to recommend optimal payment terms. Its database covers roughly 750,000 providers, enabling benchmarking of a company's terms against competitors. The company says its platform can free up 8–10% of cash flow for every dollar of spend analyzed, and its clients collectively spend billions with suppliers, including a major multinational pharmaceutical company and the largest treasury management solutions provider. Calculum has added ESG data through a partnership with InvestVerte so buyers can use payment terms to incentivize supplier ESG improvements. Product road map items include an API to integrate with client ERPs and features to help suppliers optimize their negotiations. Calculum was launched in 2021 by Oliver Belin and is Miami-based with 15 employees (10 in Downtown Miami); it plans expansion across Western Europe, North America, and Latin America.

Total raised

$6M

Funding rounds

2

Latest round

Seed

Latest activity

Mar 2023