{"id":238898,"date":"2026-04-20T13:24:09","date_gmt":"2026-04-20T13:24:09","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-fl\/238898\/"},"modified":"2026-04-20T13:24:09","modified_gmt":"2026-04-20T13:24:09","slug":"calculum-is-coming-for-the-hidden-cost-sitting-inside-every-balance-sheet","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-fl\/238898\/","title":{"rendered":"Calculum is coming for the hidden cost sitting inside every balance sheet"},"content":{"rendered":"

For years, Calculum<\/a> founder Oliver Belin was selling a fix to a problem most companies didn\u2019t realize they had. A problem that is as invisible as it is large.<\/p>\n

Most businesses obsess over pricing, revenue, and cost savings. Very few take a hard look at how they pay suppliers, and what that actually costs them. Calculum was built around that gap, sitting between finance and procurement to help companies optimize payment terms and free up working capital.<\/p>\n

\u201cWe have created something new. We don\u2019t have real competitors,\u201d Belin [pictured above] told Refresh Miami. Early on, that made growth harder, not easier. \u201cYou have to create the market. You have to educate the market. Nobody has the idea to search for you.\u201d<\/p>\n

For the first couple of years, adoption was slow. Then something shifted.<\/p>\n

\u201cSuddenly, we see a strong growth, 3x year on year,\u201d he said. The exact reason is hard to pin down, but one thing is clear: customers are sticking. \u201cWe have happy clients. They\u2019re renewing.\u201d<\/p>\n

Those clients skew large. Companies like Philips and Campbell\u2019s now use the platform, even though Calculum originally set out to serve the mid-market.<\/p>\n

\u201cWe ended up with the largest companies in the world,\u201d Belin said. Expanding to companies in the $200 million to $1 billion range is now back on the roadmap.<\/p>\n

The insight behind the product is simple. If a company pays suppliers earlier than the market standard, it\u2019s effectively providing financing.<\/p>\n

\u201cYou\u2019re financing them,\u201d Belin said. \u201cThis has a cost.\u201d<\/p>\n

In some cases, companies are enabling suppliers to offer better terms to their competitors. Calculum analyzes supplier data, identifies where terms are misaligned, and highlights where changes are most likely to succeed.<\/p>\n

\u201cYou can never pick up the phone and call 20,000 suppliers,\u201d he said. \u201cSo the platform tells you where to focus.\u201d<\/p>\n

The product is now expanding beyond payables. A new offering will help companies manage receivables, meaning how they negotiate terms with their own customers. The goal is to cover both sides of the transaction.<\/p>\n

AI is part of that evolution, though Belin is careful about how it\u2019s used.<\/p>\n

\u201cOur clients are very conscious. Like, \u2018where does my data go and how you use it?\u2019\u201d he said. Instead of relying on public data, Calculum builds models using internal company information, with AI mainly supporting data enrichment and real-time updates.<\/p>\n

Looking ahead, the bigger shift may come from automation.<\/p>\n

\u201cThis year, I think the market is ready to get started with AI autonomous negotiations,\u201d Belin said. Today, some companies already outsource supplier negotiations to Calculum. The next step is letting AI handle those conversations, at least for smaller, non-critical vendors.<\/p>\n

Miami has played a protagonistic role in Calculum\u2019s growth thus far.<\/p>\n

\u201cOur IT development team is all Spanish speaking,\u201d he said, pointing to the alignment with talent across Latin America. Miami\u2019s role as a financial hub, especially in trade finance, has helped the company stay close to its customers, according to Belin.<\/p>\n

Calculum\u2019s footprint in Miami is still relatively lean, with 15 employees locally and around 35 overall, but its setup says a lot about the kind of city Miami has become.<\/p>\n

The company shares office space with Music Week organizers and sits next door to Space, the iconic electronic music club. On any given morning, you might find engineers logging in for the day while the remnants of a 24-hour party spill out onto the street.<\/p>\n

For Belin, it\u2019s a fitting contrast. A fintech company working on complex supply chain finance problems, operating just steps away from one of the most recognizable names in global electronic music.<\/p>\n

It\u2019s a small but telling snapshot of Miami right now. Finance, tech, and culture, all layered on top of each other, sometimes quite literally under the same roof.<\/p>\n

\"\"<\/p>\n

READ MORE IN REFRESH MIAMI:<\/p>\n

\"Riley<\/a> <\/p>\n

I am a Miami-based technology researcher and writer with a passion for sharing stories about the South Florida tech ecosystem. I particularly enjoy learning about GovTech startups, cutting-edge applications of artificial intelligence, and innovators that leverage technology to transform society for the better. Always open for pitches via Twitter @rileywk or www.RileyKaminer.com.<\/p>\n

\"Riley<\/a>Latest posts by Riley Kaminer (see all<\/a>) \t<\/p>\n","protected":false},"excerpt":{"rendered":"For years, Calculum founder Oliver Belin was selling a fix to a problem most companies didn\u2019t realize they…\n","protected":false},"author":2,"featured_media":238899,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[225,227,226],"class_list":["post-238898","post","type-post","status-publish","format-standard","has-post-thumbnail","category-hialeah","tag-hialeah","tag-hialeah-headlines","tag-hialeah-news"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/238898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/comments?post=238898"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/238898\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media\/238899"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media?parent=238898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/categories?post=238898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/tags?post=238898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}