Scenario
A German SME uses an American Express (Amex) Business Card to pay a wide range of operating expenses — including inventory, logistics, and supplier invoices.
Amex offers a grace period of up to 58 days before debiting the customer’s bank account.
To optimize cash flow even further, the company uses Tupel credit to cover the Amex repayment on day 58, effectively extending the total payment window by up to 90 additional days.
Step-by-Step Breakdown
1. Amex Used for All Business Expenses
The company pays suppliers and operating costs using their Amex Business Card, benefiting from the card’s built-in payment delay.
2. Amex Grace Period Begins
Amex provides up to 58 days before debiting the linked business bank account.
3. Tupel Financing Requested
The customer pre-schedules a Tupel loan equal to the Amex balance to be triggered a day before the Amex repayment date.
- Tupel transfers the funds directly into the customer's bank account in time to cover Amex’s auto-debit.
4. Amex Automatically Collects Payment
Amex withdraws the full statement balance from the bank account — now funded by Tupel.
5. Customer Repays Tupel Over Time
The customer repays Tupel over the next 30 to 90 days, on terms aligned with their receivables.
Results & Benefits
- ✅ Up to 150 days of effective supplier financing (Amex grace + Tupel term)
- ✅ Vendors are paid upfront with no delays
- ✅ Repayment timing aligned with sales inflows
- ✅ Full control and visibility via Tupel dashboard
Use Case Summary
By combining Amex’s deferred payment feature with Tupel’s flexible business credit, this customer created a smooth cash flow loop that allowed them to:
Pay suppliers on day 0, pay Amex on day 58, and repay Tupel by day 150 — all without using upfront capital.
This model is ideal for businesses aiming to extend payment terms, bridge seasonal gaps, or unlock working capital without friction.