Growth Corporates, often generating between $50 million and $1 billion annually, are pivotal in the global supply chain and local economies. These firms, however, remain underserved by conventional financial solutions, a gap Visa (NYSE:V)’s latest report aims to address. As part of their strategic initiative, these corporations are re-evaluating working capital amidst digital growth and economic unpredictability. External support for working capital management is seen as a tool for enhancing revenue and solidifying supplier ties. Meanwhile, late payment recovery still hampers progress.
The most recent data from PYMNTS Intelligence, commissioned by Visa, builds on previous insights showing an increasing reliance on digital solutions for managing treasury functions. Historically, firms focused on short-term capital needs, but the current shift points towards a long-term strategic vision. This trend reflects an evolving approach that prioritizes optimized supplier integration, cash flow management, and digital advancements in capital strategy.
How Are Growth Corporates Using External Capital?
Growth Corporates are employing external working capital to strategically amplify their bottom line, displaying enhanced integration with suppliers and improved operational resilience. By utilizing technological solutions, these businesses identify areas where they can expedite supplier payments and forecast cash flow more accurately. This strategic utilization of resources not only addresses immediate liquidity gaps but also supports long-term planning.
What Role Does Technology Play in Capital Management?
Technology, particularly AI, is becoming integral to the corporate treasury and finance sectors. Generative and agentic AI are increasingly being integrated to help predict and manage cash flow better. Companies leading this digital integration are seeing notable improvements in Days Payable Outstanding (DPO) and overall efficiency. “
Firms embedding AI into their processes are significantly boosting their operational efficiency,”
remarks one industry expert.
Regional and industry differences continue to influence how these strategies are executed, with variations evident across North America, Europe, CEMEA, LAC, and APAC. Leaders are distinguished by their digital adoption, positioning firms that leverage these tools at a competitive advantage. “
This digital adoption is increasingly defining market leaders and laggards,”
states a Visa representative.
Visa’s “Growth Corporates Working Capital Index 2025–2026: Research Report Data Book,” based on a comprehensive survey of CFOs and treasurers, emphasizes these financial strategies. This report sheds light on how although AI and digital tools offer substantial benefits they are still being adopted at varying paces across industries and regions.
With the continual acceleration of digital tools and strategies, firms are now looking to the future of working capital management. As the landscape changes, adaptability will remain crucial. Knowledge and usage of digital tools are poised to reshape the financial strategies of these corporates significantly, offering insights into their continued evolution in capital management.
