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Accounts payable

Bills owed to suppliers for goods and services already received; effectively an interest-free loan from the supply chain.

Stretching payables raises operating-cash-flow in the period the stretch happens, then stops helping once the new terms are the norm. That is why a one-off jump in payables deserves scepticism when a company celebrates a strong cash quarter.

Some firms run supply chain finance programmes where a bank pays the supplier early and the company pays the bank later. The obligation looks like a payable rather than total-debt, which understates leverage.

Example: Northwind Tools owes suppliers $148M against $470M of COGS, about 115 days. Two years ago it was 78 days, and the change alone released roughly $48M of cash that will not repeat.

Related: days-payable-outstanding, operating-cash-flow, working-capital, current-liabilities, off-balance-sheet

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