ETR Digital empowers corporate treasurers with its Digital Negotiable Instrument (DNI) service — a simple shift from paper to digital that delivers significant bottom-line impact. DNIs improve liquidity by enabling extended payables for buyers and early payment for suppliers, cutting transaction costs by up to 80% whilst improving cash conversion cycles.

Through a scalable, easy-to-adopt platform, ETR solutions allow companies to access new pools of liquidity, streamline processes, enhance security and reduce fraud risk. Consequently,  greater participation from financial institutions delivers greater flexibility for treasurers in managing borrowing costs and funding sources.

To help treasurers quantify the opportunity, ETR’s Cash Conversion Calculator offers a quick, three-step assessment of working capital potential. Users can opt in to share results via a contact form for fast, efficient follow-up from ETR to unlock the potential.

Working Capital Notes – Choose your perspective

ETR Digital’s Working Capital Notes platform is designed for different stakeholders in the ecosystem. Select the path that best fits your role:

• Buyers page
  Extend payables, improve liquidity, and optimise cash conversion cycles.
• Suppliers page
  Get paid earlier, reduce risk, and improve cash flow predictability.
• Financial Institutions page
  Access new funding flows and expand structured liquidity opportunities.