SAP acquired Silicon Valley-based Taulia in March of 2022. Three years on, the fintech is helping customers unlock liquidity, and save big on costs as a result. Thomas Mehlkopf explains how.
SAP Taulia: Enabling customers with more flexible access to liquidity
The SAP Taulia portfolio offers solutions for working capital management and supply chain financing, as well as a network for buyers, suppliers, and financial institutions.
Mehlkopf is global chief revenue officer for Treasury and Working Capital Management at SAP, and is responsible for marketing and rolling out the solutions for these domains to customers.
Q: Three years ago, we announced that the Taulia products would be integrated into the SAP portfolio. What’s the status?
A: After acquiring Taulia, we pushed ahead with three main priorities to align with SAP Business Suite. The first was the integration of the portfolio into SAP Business Network so that, where suppliers and buyers both run SAP Taulia solutions, they can utilize the network to benefit from early payment options and supply chain finance.
We also worked on integrating the solutions into SAP S/4HANA Cloud Public Edition and released the SAP Taulia solutions for receivables financing and payables financing on SAP Cloud ERP in February 2025. These are particularly relevant for small and midsize enterprises that want to grow and that need quicker payments to do so. The current focus is on the U.S., Canada, UK, DACH, and Singapore markets, with the goal of making this functionality available in additional countries soon.
Our third priority was to embed SAP Taulia Virtual Cards into SAP Ariba solutions. The cards enable buyers to pay their suppliers sooner — even before they issue an invoice — using a “pay on purchase order” transaction. This ensures that the supplier in question has sufficient cash flow to fulfill the order.
Back in 2022, Taulia was described as a growth opportunity for SAP and for customers. Could you tell us how SAP Taulia is performing?
SAP Taulia already has several customers that finance billions through the platform, thereby improving both their own liquidity and that of their suppliers. My team’s objective is to increase that number and to continue scaling up, and we’re making good progress. Over the last three years, the volume of transactions processed with SAP Taulia has risen steadily from US$500 billion to US$800 billion.
Customers are benefiting from this progress: one large enterprise in the oil and gas industry saved almost €700,000 within a single month of going live. Extrapolated to a full year, that’s annual savings of almost €8 million. So, the business case for customers is definitely there.
You presented the first AI use case in SAP Taulia at SAP Sapphire in 2025. Can you tell us about its value for customers?
The AI use case relates to our “insight to action” approach and helps companies plan and improve their cash flow. SAP Taulia has already been using artificial intelligence for some time to forecast supplier behavior around early payments. By combining this insight with data from an app on SAP Business Technology Platform that provides transparency on free cash flow, the AI use case will give customers tips on how to improve their liquidity. It also runs through various scenarios showing them ways to influence it. Information like this is especially important for CFOs — never more so than in times of uncertainty.
Are there any other recent announcements you would like to share?
Yes, another important update is that SAP Taulia is now part of SAP’s cloud ERP packages for the public cloud, SAP Finance Base and SAP Finance Premium, as well as the private cloud, SAP Cloud ERP Private. This means that we can quickly show customers the positive business case for their transformation of using SAP Taulia to improve their cash flow and achieve savings.
In times of global crisis, trade tariffs, and supply chain disruption, why are the SAP Taulia solutions so vital for cash flow?
Cash is still king, especially in a crisis. An article published recently in German business newspaper Handelsblatt reported that net debt among the 40 companies on Germany’s DAX stock market index has increased eight percent to €227 billion since the pandemic. Clearly, financing is a major issue, particularly given that interest rates have risen so sharply. Many companies borrowed when interest rates were low and are now having to refinance their loans at higher interest rates, which puts enormous pressure on their finance teams. SAP Taulia solutions can help by providing the funding that businesses need.
Given the impact that trade tariffs have on the supply chain, it is vital that companies carry out liquidity planning and scenario analysis. They need to think about where they will manufacture their products in the future, what effect that choice will have on revenues, and how they can use SAP Taulia to improve their cash flow.
Which reference customers are already benefiting from this?
SAP Taulia customers include Henkel, Airbus, Nissan, AstraZeneca, Kimberly-Clark, and Bridgestone.
One customer has enabled early payments to suppliers totaling over €5 billion since the start of the program, which has led to an improvement in cash flow of more than €1 billion during this period.
Your pledge is “to create the future of finance together.” What does that involve?
We want to team up with our partners and customers to influence the transformation of corporate finance. That includes working with banks and implementation partners and integrating SAP Taulia into a swathe of SAP solutions. Together, we offer customers a comprehensive portfolio of treasury and working capital solutions, ranging from payments and cash management to financial risk management.
One key aspect of our road map is our treasury and payment portfolio, which covers topics such as the future of payments. We are also working to integrate new technologies, including blockchain and digital currencies, so that we can offer our customers innovative payment and financing solutions.
SAP Taulia: learn more
In March of 2022, SAP completed its acquisition of Taulia, a market leader in working capital management and supply chain financing offering a network for buyers, suppliers, and financial institutions.
The purpose of working capital management is to safeguard and optimize a company’s working cash flow. It helps businesses utilize their assets effectively and maintain sufficient liquidity to meet their short-term business objectives and financial obligations.
By managing their working capital effectively, businesses can free up cash that would otherwise be trapped on their balance sheets. This may in turn mean that they can reduce the need for external loans, expand their business, finance mergers and acquisitions, and invest in research and development.
Compared to other methods of generating liquidity, working capital management offers distinct advantages for businesses because it is directly linked to the receivables and payables transacted between buyers and suppliers. Smaller suppliers especially benefit from being able to prevent financing gaps by taking out loans from partner banks at rates normally enjoyed by large enterprises. Overall, working capital management strengthens the buyer-supplier relationship and creates a financial win-win for both parties.