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How much is slow invoicing costing you?
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.
Cost comparison vs alternatives
Annual software cost for similar AR coverage.
- Collectly (Growth)$1,188/yr
- Chaser Compact~$3,108/yr
- BILL Essentials (1 user)$588/yr + fees
- Melio / QuickBooks ARFree + payment fees
Chaser and BILL numbers are based on public list prices. Melio and QuickBooks are free for basic invoicing but lack deep collections automation.
What you'd do with the extra cash
- →Hire one more person 3 months sooner (paid for by freed-up A/R alone)
- →Take 2-3 larger clients you've been turning down for cash-flow reasons
- →Sleep through the month-end close (instead of refreshing bank accounts)
No credit card. 10-minute setup. 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.