The Math · How it works
What a 2/10 net 30 discount is really worth
A 2/10 net 30 early-payment discount is a 37.2% annualized return - (2 divided by 98) times (365 divided by 20). On an $18,000 invoice that is a real $360 for paying 20 days sooner, far above a 12% cost of capital - if the cash buffer can fund it.
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<iframe src="https://redhub.ai/visuals/kit/early-pay-discount-capture-payment-timing-leak-audit.html" title="What a 2/10 net 30 discount is really worth — the math — RedHub AI" width="760" height="1340" loading="lazy" style="border:0;width:100%;max-width:760px"></iframe>
<p style="font:14px/1.5 system-ui,sans-serif"><a href="https://redhub.ai/visuals/kit/early-pay-discount-capture-payment-timing-leak-audit">What a 2/10 net 30 discount is really worth — the math</a> — by <a href="https://redhub.ai">RedHub AI</a>, the AI that tells you when to doubt it.</p>Image + link — a static picture for any blog
<a href="https://redhub.ai/visuals/kit/early-pay-discount-capture-payment-timing-leak-audit"><img src="https://redhub.ai/visuals/kit/early-pay-discount-capture-payment-timing-leak-audit-share.png" alt="Formula (2 divided by 98) times (365 divided by 20) times 100 equals 37.2% annualized, showing a 2/10 net 30 discount is worth a 37% return versus a 12% cost of capital." width="760" loading="lazy" style="max-width:100%;height:auto;border-radius:16px"></a>
<p style="font:14px/1.5 system-ui,sans-serif"><a href="https://redhub.ai">RedHub AI</a> — the AI that tells you when to doubt it.</p>
This is the math behind Early-Pay Discount Capture & Payment-Timing Leak Audit. More diagrams in the Visual Field Guide.