"Wrap film prepayment discounts: check savings and protected job cash"
"Source","https://bluefinchadvisors.com/blog/wrap-film-supplier-prepayment-discount-liquidity"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Supplier invoice before discount","4800","currency"
"Confirmed prepayment discount","5","percent"
"Days paid earlier than normal","45","number"
"Annual simple carrying-cost assumption","12","percent"
"Cash available before protected commitments","5000","currency"
"Cash allocated to other approved commitments","2000","currency"

"Results","Value","Unit"
"Discounted supplier payment","4560","currency"
"Discount after simple carrying cost","172.5369863013699","currency"
"Funding shortfall after protected cash","1560","currency"

"Calculation detail","Value","Unit"
"Gross supplier discount","240","currency"
"Simple carrying cost","67.46301369863012","currency"
"Cash after protected commitments","3000","currency"

"Assumptions"
"Starting values are examples, not market benchmarks or payment quotes."
"Use one currency and a consistent before-tax basis. Work out taxes and program-specific adjustments separately."

"Result notes"
"This is a purchasing comparison, not a loan quote, investment return, tax treatment, or legal deposit-allocation rule."
"Use actual stock requirements and supplier terms; a positive saving does not resolve a funding shortfall."

"Sources"
"3M: separate warranty resources for wrap, PPF, and window film","https://www.3m.com/3M/en_US/post-factory-installation-us/resources/warranties/"
"Stripe: separate authorization and capture","https://docs.stripe.com/payments/place-a-hold-on-a-payment-method"
"Mastercard: merchant surcharge rules and debit exclusions","https://www.mastercard.us/en-us/business/overview/support/merchant-surcharge-rules.html"
"Visa: merchant fees, rules, and surcharge disclosure","https://usa.visa.com/support/small-business/regulations-fees.html"
"Stripe: refund destinations, partial refunds, and refund status","https://docs.stripe.com/refunds"