John Graham

Strategic Sales @American Express

Responsible for driving new business opportunities within the UK market. Specializing in Supplier Payments, Working Capital Optimization and T&E payments solutionsWe have compelling value propositions focused on both B2B payables and receivables.Payables:American Express are an alternative lender providing credit lines to companies for UK and international payments. Our lending is unsecured; enabling businesses to diversify their financial resources without impacting their bank relationships.Our innovative payment solution can be leveraged to- Improve cash flow / extend your DPO- Maximise margin through early payment discounts available from your supplier base- Strengthen cash position over financial reporting periods, supporting net-debt and current ratios- Flexibility of a “you only pay when you use” credit facility with no set up costs or annual feesReceivables:On the receivables side, AMEX are partnering with suppliers to offer bespoke payment offerings to their customers; giving buyers options for extended payment terms whilst accelerating payments in to the supplier. Some of the benefits are- Promoting loyalty with customers through longer payment terms offered ( & AMEX Rewards)- Driving sales growth from additional credit line provided to customers- Differentiating a business from competitors with a unique offering- Improving cash position by accelerating receivables in /reducing DSO- Risk mitigation through credit underwritten independently by AMEX