Payment Term Negotiator#

Overview#

Provides payment term negotiation frameworks. This is a descriptive skill that provides frameworks and templates without executing real code.

Safety#

• No real code execution
• No external API calls
• No financial transactions
• Informational only

Outputs#

• Structured analysis
• Actionable recommendations
• Next steps checklist

Usage Scenarios#

#User InputExpected Output1"I am a small manufacturer. My biggest supplier wants to cut terms from net 60 to net 30. Prepare my negotiation strategy."BATNA analysis, leverage points (I represent 15% of their revenue), counter-offer ladder: (1) keep net 60, (2) net 45 with 2% early-pay discount, (3) net 30 with 5% volume-price reduction. Opening-script and anticipated objections with responses.2"I need to negotiate payment terms with a new European client. They are used to net 90; I need net 30. Cultural pitfalls?"Cross-cultural negotiation brief: European payment culture (net 30-90 is common, late payment not typical), relationship-building vs. transactional approach, suggested framing as "partnership efficiency" not "cash-flow problem."3"Model the impact of accepting net 90 terms from my biggest client vs. walking away if they insist."Cash-flow projection: 90-day gap creates $120K working-capital shortfall. Cost of factoring/bridge financing: ~$4,800. Walk-away scenario: lose 22% revenue but free up capacity for 3 smaller clients with net 30 terms. Breakeven analysis.

Scenario 2: 客户想压账期怎么办#

User input: "有个重要客户（大公司）要求我们给90天账期但我们是小供应商，承受不了这么长。怎么谈判既保住客户又不被拖死？" Expected output: 中小供应商账期谈判策略——第一步：不要直接拒绝而是给方案（"我们的标准是30天账期，考虑到我们是重要合作伙伴我向领导争取到：45天账期+2%提前付款折扣"）；第二步：用阶梯报价（30天账期全价、45天账期+3%、60天账期+5%、90天账期+10%溢价——让客户选贵的账期而不是被动接受）；第三步：抵押条件（如果要90天账期，需要预付30%定金+个人/公司担保+利息）；第四步：兜底方案（和银行做应收账款保理、或将部分订单通过支付宝网商贷等供应链金融方式解决）。关键：账期谈判的核心是"你想用多长时间就付多少钱"，不是无条件接受。