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Working Capital - Powered by Coupa Pay
How much working capital is trapped in your payment cycle?
Enter three numbers. See the cash your payment terms are sitting on today. Find out how much you could free up using virtual card payments to extend days payable — without touching a dollar of spend. Insights are based on top-quartile performance of midsize and emerging enterprises in the Coupa community.
Adjust assumptions
DPO uplift basis
Coupa Benchmark: 41.7 days (top quartile)
Working capital trapped in your payment cycle
$8,568,493
that virtual-card payment could free
worth $685,479 a year at your cost of capital
Figures are modeled potential based on Coupa's top quartile Virtual Card Through DPO Uplift benchmark of 42.4 calendar days across midsize and emerging enterprises. Working capital freed is a one-time cash release of extending days payable. The annualized value applies to your own cost of capital and shiftable percent inputs, which are not Coupa figures.
This calculator is solely an estimate does not in any way serve as a forecast, guarantee, commitment of value, or ROI from Coupa. Actual results vary by business and are not guaranteed by Coupa.
Scale Growth and Control
Grounded in $10T of real-world spend data, Coupa's 2026 Total Spend Management Report for Midsize & Emerging Enterprises gives finance a clear, evidence-based path to navigate the tension of driving smarter growth without adding operational burden and deliver outcomes that show up on the P&L. Download the report to learn:
- What top performers are doing differently to build an architecture for speed and scale
- The 17 KPIs across S2P that address five key challenges in finance
- The steps that others are taking to go from good to exceptional
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Source: 2026 Total Spend Management Benchmark for Midsize & Emerging Enterprises
Glossary:
42.4 calendar days for Virtual Card DPO Uplift: top-quartile benchmark for this revenue segment
Working capital freed = Annual AP spend × shiftable % × (41.7 ÷ 365). The shiftable % and cost of capital are your own inputs, not Coupa figures. The annualized value restates the one-time cash release at your cost of funds.
Coupa community benchmarks are based on a full year of 2025 data, drawn from midsize and emerging enterprise customers who were live in production prior to 2025. For each KPI, customers are grouped by relevant product usage, and the top-performing quartile within each group is identified. The benchmark value represents the median performance of that top quartile.





