Free tool · Cash
What late payments cost you.
Two sliders. The number nobody puts on their P&L.
$150k
Drag: $20k to $1m
7 days
The Australian average is 6.9 days past terms
10%
Overdraft or opportunity rate. If you carry debt, use that rate.
Sitting in your customers’ accounts
$35,000
Cash that is yours, funding their business instead of yours — every day of the year.
What that costs you a year
$3,500 a year
The average Australian SME loses about $29,000 a year to late payment.
How it works: invoicing ÷ 30 × days late = the receivables balance created purely by lateness. That balance × your funding rate = the yearly cost of carrying it. It excludes the chasing time and the deals you pass on for want of cash — the real number is higher. Benchmark: OneBook SME Cash Flow Report, 2026.
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Where this comes from
This is one line of the 13-week cash view.
Who owes you what, how late, and what it costs — watched every week, including payroll. It is the first thing every client gets.
No pitch, no obligation · about thirty minutes · phone, video or coffee