Loading…
Loading…
Free tool · No signup
Most 5-30 person agencies and consultancies are leaving $15,000-$90,000 on the table every year in late payments. Punch in your numbers and see what faster collections would actually do for you.
Total unpaid invoices, all ages.
From invoice sent → cash in bank.
Industry best-in-class is 14 days for services.
Net of cost of delivery.
Rough APR on a line of credit or working-capital loan. 8% is average.
Assumes you reach the target DSO you set above, that freed cash is worth your stated cost of capital, that 40% of it gets redeployed into billable work at your margin, and that 2% of the balance is written off today. Change any input and every figure moves.
Annual software cost for similar AR coverage.
Chaser and BILL numbers are based on public list prices. Melio and QuickBooks are free for basic invoicing but lack deep collections automation.
No credit card. Cancel anytime.
Methodology: we use your A/R balance × the difference between your current DSO and a 14-day target, multiplied by your cost of capital (estimated 8% APR for an SMB line of credit). Conservative. Verified against 3 published studies from U.S. Bank, Intuit, and Atradius.