Calculum
Calculum operates the Ada Platform, an AI-powered analytics engine that benchmarks payment terms and optimizes working capital for large enterprises, financial institutions, and advisory firms using a proprietary database of 7.5M+ companies.
- Company typePrivate
- Founded2020
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Calculum does
Calculum is a Miami-headquartered data-as-a-service company founded in 2020 as a spinoff from the University of St. Gallen in Switzerland. The company operates the Ada Platform, a cloud-based AI analytics engine (built on AWS, Microsoft Azure, Google Cloud, MongoDB, and Vue.js) that ingests client ERP exports and external data to benchmark payment terms, quantify working capital improvement opportunities, and generate negotiation strategies across supplier and customer bases. Its proprietary dataset covers 7.5M+ companies with 150k+ new suppliers added monthly, 1.2M+ records of companies enrolled in supplier financing programs, and $3.3T+ in spend/sales volume analyzed; the platform achieves a 91% average supplier/customer matching rate and identifies an average 11%+ working capital improvement opportunity per engagement.
Calculum monetizes through three revenue streams: (1) annual SaaS subscriptions to the Ada platform with quote-based enterprise pricing, (2) referral commissions paid to channel partners who introduce clients, and (3) white-label licensing for partners reselling Ada as their own product. A free benchmarking tool serves as a self-serve lead-generation funnel, while an outsourced negotiation service provides managed execution. The go-to-market is primarily enterprise sales-led, augmented by a multi-tier channel program (referring partners, resellers, white-label) and event-driven demand generation across Working Capital Forum, AFP, EuroFinance, and Gartner events.
Calculum's customer base spans large multinational corporates, financial institutions, consulting/advisory firms, and private equity investors across the US, Europe, Asia, South America, and the GCC. Named analyzed logos include Amgen, Samsung, HP, Foxconn, AWS, Tetra Pak, and Bridgestone; documented case studies include $86.3M and $127M in unlocked free cash flow for pharmaceutical clients. The company has 11-50 employees, has raised approximately $5.6M in disclosed funding (a $4.2M seed led by Vestigo Ventures in March 2023 plus ~$1.42M from an October 2025 SEC Form D offering), and maintains integrations/partnerships with Kyriba, SAP Taulia, Corpay, Orbian, LSQ, Mastercard, McKinsey, and others.
Calculum firmographics
Firmographics- Name
- Calculum
- Legal name
- Calculum Inc.
- Website
- https://calculum.ai
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Calculum operates the Ada Platform, an AI-powered analytics engine that benchmarks payment terms and optimizes working capital for large enterprises, financial institutions, and advisory firms using a proprietary database of 7.5M+ companies.
- Ownership category
- akta.pro rank
Calculum industry classification
Industry- Product category
- Supply Chain Finance Analytics
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Activities Related to Credit Intermediation (5223), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Processing & Data Preparation (7374), Finance Services (6199)
- akta.pro primary industry
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
- akta.pro secondary industry
- Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies) (HDAEANAE)
Keywords
Where Calculum is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Calculum business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscription: Annual or multi-year subscription model for access to the Ada platform. Includes benchmarking tools, payment terms analysis, and data insights. Pricing based on company size and scope of analysis.
- Partner Referral Commissions: Referring partners receive referral commissions for every client engagement that converts to a paid subscription. Creates recurring revenue stream for partners introducing clients.
- White Label Licensing: Partners can white label the Ada platform and resell as their own. Revenue generated through licensing and implementation fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Others | Free Web Calculator |
| Subscription | Annual | Enterprise Platform Subscription |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Calculum product offering
Product offeringCore offering
Calculum sells the ADA Platform, a cloud-based AI analytics engine that benchmarks payment terms across a 7.5M+ company database to help enterprises optimize working capital, negotiate payment terms with suppliers and customers, analyze financing programs (reverse factoring, receivables financing, discounting, virtual card), and assess supply chain financial risk. The core offering is delivered via SaaS subscription with a free benchmarking calculator as a lead-generation entry point, plus an outsourced negotiation service and white-label/reseller options for partners.
Product overview
Calculum offers a unified AI-powered supply chain analytics platform centered around the ADA Platform, combined with supplementary tools and services. The core ADA Platform provides cloud-based analytics for payment terms optimization and working capital management, supported by a free Benchmarking Tool for market comparison. Additional offerings include API Data Transfer for system integration, Outsourced Negotiation Services for managed supplier outreach, and White Label/Referring Partner programs for ecosystem expansion. The platform architecture enables data ingestion from ERP systems, processing through AI algorithms, and output via visualization dashboards and actionable negotiation strategies.
Differentiator
Problem solved
Functional benefit
Brands
- Ada: Calculum's cloud-based, science-driven analytics engine (Ada) that empowers companies to unlock working capital and generate free cash flow. Ada uses AI algorithms, rule-based logic to match, process, analyze, and visualize financial supply chain data from multiple internal and external sources.
Products and services
- ADA Platform Cloud-based, science-driven analytics engine that empowers companies to unlock working capital and generate free cash flow. Uses rule-based logic and AI to match, process, analyze, and visualize financial supply chain data from multiple internal and external sources. Includes payment terms analysis, supplier financing program analysis, market share and leverage insights, risk assessment, and cost of debt/WACC calculations.
- Payment Terms Benchmarking Tool Free web-based calculator enabling companies to benchmark their payment terms against competitors and analyze cash flow opportunities. Compares Cash Conversion Cycle, Days Sales Outstanding, and Days Payable Outstanding metrics. Functions as a self-serve lead-generation and entry-point product.
- API Data Transfer Secure, real-time data transfer capability enabling direct integration with customer systems via API. Allows seamless import of supplier and customer data with encryption into existing enterprise systems.
- Outsourced Negotiation Service Managed service where Calculum sends pre-approved messages and handles payment terms negotiations with suppliers or customers on behalf of the client, with full monitoring and tracking capabilities.
- White Label Platform White labeling option allowing partners to rebrand and resell the ADA Platform as their own. Includes integration expertise and sales team training for fast ROI.
- Referring Partner Program Referral program for partners who want to offer Calculum's AI-powered platform without technical integration. Partners manage client relationships while Calculum handles technical execution and service delivery, earning referral commissions on converted subscriptions.
Quantifiable outcome
- 11% average working capital improvement identified, representing free cash flow available for strategic reinvestment
- +5 more outcomes
Companies that use Calculum
Customer profileNamed customers16 records
Segments5 records
Ideal customer profiles4 records
Calculum technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability6 records
Feature7 records
Calculum partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered major, minor and core.
- XinergymajorPartnership to help LATAM companies unlock working capital and improve financial performance through payment terms optimization.
- AvaltosminorStrategic alliance to transform financial supply chain management and accelerate growth for working capital teams.
- FaturalabmajorStrategic alliance with Faturalab in Istanbul expanding AI-powered payment terms and working capital analytics in the region. Joint webinar and market expansion activities.
- OrbiancoreCombined AI-powered payment terms intelligence with leading Supply Chain Finance to unlock liquidity at scale. Partnership enables joint go-to-market and product integration.
- CorpaymajorIntegration with Corpay Payments Automation to give companies greater financial visibility and strengthen supplier relationships at scale.
- MassChallengeminorSelected as one of 13 startups out of 150 fintech applications for MassChallenge 2024 FinTech cohort.
- ETR DigitalmajorDeepening partnership combining Ada Platform with ETR's Working Capital Notes to help corporate treasury and procurement teams unlock liquidity.
- Mastercard Start PathmajorSelected for Mastercard's global fintech program for startups transforming working capital and payment terms. Provides access to Mastercard's network and resources.
- FuelHubminorStrategic partnership to optimize working capital and fuel financial growth in the fuel and gas industry.
- Prima.Trade and AccentureminorJoint webinar 'Cash Against Data' with Prima.Trade and Accenture on financial supply chain modernization.
- FinTech SandboxminorJoined FinTech Sandbox's vibrant network for fintech community and resources.
- NimbleminorJoint webinar featuring Nimble, Teva Pharmaceuticals, and Calculum on the future of working capital.
- LSQmajorPartner to use advanced analytics and AI to improve liquidity and build resilient, diverse supply chains with trade finance.
- Modefinance InternationalminorStrategic alliance to expand data-driven payment terms and working capital analytics to global markets outside Europe.
- McKinsey Ignition ClubminorJoined McKinsey's Ignition Club program empowering high-growth fintechs with data-driven consulting, capacity building, and networking.
- InvestVerteminorPartnership to give companies access to ESG Ratings and Payment Terms Analytics combined.
- Bahrain FinTech BayminorJoined Bahrain FinTech Bay to bring AI-powered working capital and payment terms analytics to clients across the GCC market.
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
Calculum competitors and assessment
Company assessmentDirect peers
- Balance: B2B trade credit and payment-terms platform enabling suppliers to get paid early on invoices. Overlaps with Calculum's supplier payment-terms analysis and receivables financing use cases.
- Resolve: AI-powered B2B payment-terms and working-capital optimization platform targeting enterprise procurement and treasury teams. Closest direct competitor to Calculum's Ada platform with overlapping product, customer base, and use cases.
- PrimeRevenue: Global supply chain finance platform offering reverse factoring and dynamic discounting programs to enterprises. Competes in the same SCF and payment-terms optimization category as Calculum.
- C2FO: Marketplace for dynamic discounting and working-capital optimization connecting suppliers and buyers. Competes head-to-head with Calculum in helping enterprises free trapped working capital through payment-terms improvement.
- Orbian: Supply chain finance program provider and Calculum's named strategic partner. Operates in the same SCF/payment-terms space and was explicitly described as combining AI-powered payment-terms intelligence with supply chain finance.
Broad incumbents
- Tipalti: Global payables automation and supplier management platform. Adjacent competitor in the AP/payables workflow where payment-terms optimization increasingly lives as a feature of broader finance-ops suites.
- HighRadius: AI-powered finance and AR automation platform for order-to-cash and treasury. A broader incumbent with overlapping working-capital, payment-terms, and cash-flow analytics capabilities.
- Kyriba: Cloud treasury management platform with embedded SCF and payment-terms analytics. Listed as a Calculum partner/integration while also offering overlapping functionality to enterprise treasury teams.
- SAP Taulia: Supply chain finance and dynamic discounting platform now part of SAP. A broader incumbent integrating SCF and payment-terms capabilities into the SAP ERP ecosystem — both a partner and competitor to Calculum.
Emerging players
- Trovata: Open banking-enabled cash management and treasury analytics platform. Comparable focus on working-capital visibility and benchmarking for corporate treasury teams, though narrower than Calculum's payment-terms depth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Calculum social profiles
Digital presenceCalculum compliance and trust
Trust signalCompliance3 records
Calculum financial estimates
Financial estimateRevenue estimate
Valuation estimate
Calculum leadership team
Management profileNumber of profiles
Profiles10 records
Calculum funding detail
Funding detailFunding overview
Funding rounds2 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Calculum M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Calculum
What does Calculum do?
Calculum sells the ADA Platform, a cloud-based AI analytics engine that benchmarks payment terms across a 7.5M+ company database to help enterprises optimize working capital, negotiate payment terms with suppliers and customers, analyze financing programs (reverse factoring, receivables financing, discounting, virtual card), and assess supply chain financial risk. The core offering is delivered via SaaS subscription with a free benchmarking calculator as a lead-generation entry point, plus an outsourced negotiation service and white-label/reseller options for partners.
Is Calculum a public or private company?
Calculum is a private company. It is classified as venture growth investor backed and is currently operating.
When was Calculum founded?
Calculum was founded in 2020. It employs 1 to 10 people.
Where is Calculum based?
Calculum is headquartered in Miami, United States, in the North America region.
How does Calculum make money?
Three revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are partner Referral Commissions and white Label Licensing.
Who are Calculum's main competitors?
Direct peers on record are Balance, Resolve, PrimeRevenue, C2FO and Orbian. Broad incumbents are Tipalti, HighRadius, Kyriba and SAP Taulia. Trovata is listed as an emerging player.
Does Calculum have an API?
Yes. Calculum offers a secure API enabling real-time data transfer directly to customer systems. The API allows data transfer via secure connections, supporting integration of payment terms intelligence and working capital analytics into external platforms. Alternative data upload methods include Excel/CSV file upload.
What industry is Calculum in?
Calculum's product category is Supply Chain Finance Analytics. Its primary akta.pro industry code is BPAMAFAF, Bill Pay, Invoicing & Payables Platforms, with a secondary code of HDAEANAE, Enterprise AI Governance, Risk & Compliance Platforms (Model Risk, Audit, Policies). Its NAICS code is 51821 and its SIC code is 7372.