Calculum

Calculum is a Miami-based fintech company founded in 2020 by Oliver Belin and Phillip Wetzel, both alumni of the University of St.

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AI-powered tools to help companies optimize payment terms and unlock working capital in their supply chains.

Calculum is a Miami-based fintech company founded in 2020 by Oliver Belin and Phillip Wetzel, both alumni of the University of St. Gallen (HSG). The company specializes in AI-driven financial supply chain optimization, focusing on payment terms and working capital management.

Its flagship product, the ADA Platform, analyzes supplier networks to benchmark payment terms against market standards, offering insights into credit scores and ESG ratings. Calculum targets large corporates seeking to optimize cash flow and reduce supply chain risks, with a customer base spanning Europe, the Americas, and Asia. The company has grown to 30 employees across offices in Miami, Europe, and Asia, serving over 20 corporate clients.

In 2022, Calculum launched a free SaaS tool for working capital metrics and payment terms peer comparison, which has since been adopted by companies worldwide. Recent partnerships, such as with Xinergy in 2026, aim to expand its footprint in Latin America. Calculum's research indicates that companies can free up over 5% of annual costs of sales by optimizing payment terms, a compelling value proposition in an era of rising interest rates and supply chain volatility.

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Products by Calculum

Who buys this

  • Large multinational corporations with complex supplier networks
  • Treasury and finance teams at mid-to-large enterprises
  • Procurement and supply chain managers
  • Credit risk analysts
  • ESG-focused companies seeking to assess supplier sustainability

Strengths and what to watch

Strengths

  • Proprietary AI algorithms analyzing payment terms across global supply chains
  • Integration of financial metrics with ESG ratings for holistic supplier assessment
  • Strong academic roots with research ties to University of St. Gallen

Watch for

  • Dependence on corporate adoption of AI for financial decision-making
  • Competition from established ERP vendors adding similar features
  • Sensitivity to macroeconomic conditions affecting working capital priorities

Recent moves

Key Information

Founded
2020
Headquarters
Miami

Frequently Asked Questions

What does Calculum do?

Calculum develops AI-powered tools to optimize payment terms and unlock working capital in supply chains. Their ADA Platform benchmarks payment terms against market standards, analyzes supplier networks, and integrates ESG ratings. Targeting large corporates, it helps reduce costs by over 5% annually through smarter financial supply chain management.

How can AI optimize payment terms?

Calculum's AI analyzes global supplier networks to identify payment term inefficiencies. By benchmarking against industry standards and considering credit scores, it recommends optimal terms. This balances cash flow needs with supplier relationships, potentially freeing 5%+ of annual sales costs without disrupting supply chains.

Who uses Calculum's solutions?

Large multinational corporations with complex supplier networks primarily use Calculum. Their tools serve treasury teams, procurement managers, and credit analysts across Europe, Americas, and Asia. ESG-focused companies also leverage their integrated sustainability ratings for supplier assessments and working capital optimization.

What makes Calculum different from ERP systems?

Calculum specializes exclusively in AI-driven payment term optimization and working capital management, unlike broader ERP systems. Their platform combines financial metrics with ESG ratings for holistic supplier assessments, backed by academic research from University of St. Gallen and proprietary algorithms.

How does Calculum help with ESG compliance?

Calculum integrates ESG ratings into supplier financial assessments, allowing companies to evaluate sustainability alongside payment terms. This helps procurement teams balance working capital needs with responsible sourcing goals, particularly valuable for corporations with ESG reporting requirements or sustainable supply chain initiatives.

What free tools does Calculum offer?

Since 2022, Calculum provides a free SaaS tool for working capital metrics and payment term comparisons. This allows companies to benchmark their terms against peers globally, serving as an entry point to their premium AI-powered supply chain optimization platform.

Sources

  1. www.calculum.ai — Launch of WebCalculator tool and company's working capital optimization focus
  2. www.calculum.ai — Academic origins and research background of founders
  3. www.calculum.ai — 2026 partnership expansion in Latin America
  4. www.calculum.ai — Recent media coverage and CEO perspective on payment terms