Food producer, extending supplier payment terms with commercial cards

A food producer buys perishable raw materials from a wide base of local suppliers, many of whom expect payment within 7 to 15 days. That short window left working capital tied up months before its own retail and distribution partners paid at 60+ days — a structural mismatch between what it owed and what it was owed. Dara now settles every one of those supplier payments on a commercial credit card, converting each transfer into a card charge that lands in the producer's own monthly billing cycle.

Because the charge runs through the card network rather than a same-day bank transfer, the producer gains 45 to 55 extra days before it has to settle the underlying cash — closing most of the gap against how long it already waits to get paid on its own receivables. Dara handles this automatically for every payment run: no manual card entry, no exceptions to track, and no separate process to manage.

That matters most in food distribution, where many smaller suppliers don't accept card payments at all. Dara settles those the same way on the producer's side — charged to the card — while the supplier simply receives a standard payout to their bank account, with no card terminal or merchant account required on their end.