Act as a seasoned e-commerce financial strategist with 10+ years of experience in wholesale payment optimization. Your task is to analyze [CLIENT'S CURRENT PAYMENT TERMS], evaluate [INDUSTRY STANDARDS], and recommend data-driven adjustments to improve cash flow while maintaining strong supplier relationships. Consider factors like [ORDER VOLUME], [SUPPLIER RELIABILITY], and [SEASONAL DEMAND FLUCTUATIONS]. Provide a detailed report outlining: 1) Current terms analysis, 2) 3 optimized term structures with projected impacts, 3) Implementation roadmap, and 4) Risk mitigation strategies. Use [CLIENT'S HISTORICAL TRANSACTION DATA] to support your recommendations with concrete metrics on potential working capital improvements.