Working Capital Management Software
Make your working capital work harder
Give your finance team the financial flexibility to grow,
operate smoothly, and invest confidently in new opportunities
— all with Order.co's working capital management software.
Smarter working capital starts here
With Order.co, your finance team can gain the foresight, flexibility, and control to move faster and plan more strategically.
Increase financial reporting accuracy
Don’t wait until month-end reports to understand your cash position. Know exactly where you stand in real time so you can act with confidence, not hindsight.
Improve cash flow forecasting and analysis
With precise, easily accessible spend data at your fingertips, you have the insights and tools to allocate funds for maximum impact.
Optimize accounts payable management
Streamline invoice processing and leverage flexible financing to extend payables, prevent late fees, and enhance supplier relationships.
Strengthen inventory management
Prevent over-ordering and reduce excess stock with centralized purchasing. Align inventory to demand to free up working capital and improve cash flow.
Optimize how you pay every vendor
Get more time to pay without changing how you buy or disrupting existing relationships. Order.co pays vendors upfront, and invoices you on a timeline that fits your business.
- Weekly billing, Net 30
- Pay in 4
- Custom net term and billing
Weekly billing,
Net 30
Gain visibility and control with weekly, itemized bills, while enjoying Net 30 terms on every bill. That’s up to 37 days to pay for every purchase.
Pay in 4
Turn big-ticket purchases into 4 manageable monthly payments with B2B Buy Now, Pay Later, featuring a quick credit check, fast approval, and no operational disruptions.
Custom net term
and billing
Enjoy flexible Net 30, 45, 60, or 90-day terms for any vendor, while keeping any pre-negotiated terms you want. Choose daily, weekly, or monthly invoicing.
Traditional credit cards don’t cut it
visibility, tighter control, and easier reconciliation — benefits traditional
credit cards simply can’t match.
| Feature | Traditional Credit Cards | Order.co Billing |
|---|---|---|
| Spend Visibility | Monthly statements with vague line items | Weekly, itemized invoices by location, user, vendor and more |
| Ease of Reconciliation | Manual matching; retroactive categorization | Line items pre-coded, tied to purchasing activity, no manual matching required |
| Control & Oversight | Easy for teams to go off-track | Approvals, purchase visibility, and catalog management built in |
Using other virtual cards?
Don’t let hidden billing rules eat your cash. Order.co provides actual extended float, keeping your money where it belongs — in your business.
‘Buy Now, Pay Later’ with Order.co
fuels business growth
Explore how businesses unlocked thousands in financing, with minimal wait and paperwork, to invest in strategic initiatives.
Distillation system
to expand manufacturing capacity
Product packaging
to support additional inventory
Raw materials
to scale production
High energy bill
to maintain operations
Furnishings and equipment
for opening a new store
Marketing services
for new product launch
Stronger working capital
management for every business
All organizations, regardless of industry, need capital control. See how Order.co customers
are improving working capital management through smarter purchasing and payments.
“The ability to pay suppliers immediately and for us to pay weekly in batch with net terms is huge for our cash flow.”
“Our vendors aren’t calling to ask where their payments are anymore.”
“I no longer have to keep up with hundreds of vendors and hundreds of invoices each week for every location. We order, [vendors] deliver, and that's all we need to do.”
“Order.co has allowed us to essentially eliminate all unapproved spending, which had gotten as high as $50k per month.”
“Order.co gives us clear insight into spending patterns, which helps us identify opportunities to optimize better pricing with our suppliers.”
“Accounting would ask how much a department had spent, and we didn’t have an answer. Now we have a budget for each store that we can see right away.”
“The ability to pay suppliers immediately and for us to pay weekly in batch with net terms is huge for our cash flow.”
“Our vendors aren’t calling to ask where their payments are anymore.”
“I no longer have to keep up with hundreds of vendors and hundreds of invoices each week for every location. We order, [vendors] deliver, and that's all we need to do.”
“Order.co has allowed us to essentially eliminate all unapproved spending, which had gotten as high as $50k per month.”
“Order.co gives us clear insight into spending patterns, which helps us identify opportunities to optimize better pricing with our suppliers.”
“Accounting would ask how much a department had spent, and we didn’t have an answer. Now we have a budget for each store that we can see right away.”
Better working capital management, from efficient purchasing to streamlined payments.
Spend Analytics
Financing & Flexible Payment Terms
Budget Controls
Approval Workflows
Virtual Cards
Purchase Order Automation
Vendor Management
Invoice Management
ERP & Accounting Integrations
Level up your
finance strategy
From working capital management to automation strategies, explore helpful articles and tools to streamline finance operations.
Frequently asked questions
Can’t find the answer you’re looking for? Reach out to our team!
Working capital management software gives finance teams visibility and control over the cash tied up in operations, accounts payable, supplier payments, and committed spend, and helps optimize the timing of outflows to free up liquidity. Order.co's working capital tools are embedded in the procurement and AP platform, so the same data driving purchasing decisions also drives cash flow forecasting and net terms management. Finance teams see committed spend before it leaves the business — not after.
Order.co optimizes working capital through three levers: extended net terms and virtual cards (up to 37 days of float on each transaction), and real-time visibility into committed spend so finance can adjust payment timing while there is still room to act. Each lever connects to the procurement and AP data already inside the platform, so adjustments compound across spend categories.
Order.co offers up to 37 days of pay terms on each transaction, giving finance teams float between when a vendor is paid and when the card balance is due. Net terms negotiation with individual vendors is no longer the only path to better cash flow timing; the platform delivers the same outcome at scale.
Cash flow forecasts are only as accurate as the spend data feeding them. Order.co posts every approved purchase request, virtual card transaction, and invoice in real time, so finance leaders forecast against committed spend, not estimates extracted from credit card statements weeks after the fact. Filters by vendor, location, cost center, or GL code surface variance against budget.
A financing line of credit gives you cash today for future repayment, with interest charges and credit utilization implications. Order.co's working capital tools optimize the cash you already have by extending pay terms and giving finance leaders visibility into committed spend before it leaves the business. There is no separate borrowing facility, no interest carry, and no impact on credit utilization — just better timing on the funds already in motion.
Working capital management is not a separate module in Order.co; it works within the same procurement and AP data already flowing through the platform. Approved purchase requests feed the cash commitment forecast in real time. Consolidated invoices export to QuickBooks, NetSuite, Sage Intacct, or Workday with the same GL coding rules that govern AP.
For multi-location retailers, the timing mismatch between paying suppliers and collecting from customers is the working capital bottleneck. Order.co addresses this on the supplier side: the platform extends pay terms by up to 37 days and pays suppliers Net 1 in their preferred method. Finance teams see committed spend in real time and adjust order timing against cash flow constraints, without renegotiating individual supplier terms.
Order.co surfaces a finance dashboard showing committed spend by vendor, location, cost center, and GL code in real time. Cash flow projections update as new purchase requests are approved. Variance alerts fire when category spend trends outside set budgets. Finance leaders use the same reporting to brief CFOs on working capital exposure ahead of close, not as a reactive month-end exercise.