SettleSettle

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What are late payments costing you?

Overdue invoices don't just sit there. They tie up working capital, run up borrowing cost, eat your team's hours, and starve the growth you can't fund. Enter your numbers and see what it adds up to.

What stuck cash is costing you.

It's not just the dollars in unpaid invoices. It's what you pay to borrow against them, the hours your team loses chasing and stitching context, and the growth you can't fund because the cash hasn't arrived. Drag the inputs to match your numbers — buyers run anywhere from 20 to 2,000 invoices a month.

Or start with:
60
$
Total dollar value of invoices you send each month, before write-offs.
2 people
AR clerks, controllers, managers, anyone who handles invoices, disputes, or reconciliation. Each adds ~6 hrs/week of coordination + their share of the work.
$60/hr
Per person on the billing team — salary + benefits, blended across roles (clerks, controllers, managers).
What stuck cash costs you per year
$0
On $400,000 of monthly billing across 60 invoices, sitting ~45 days
Hours lost to billing
$0/yr
~0 team hours/week across 2 people — invoicing, chasing, dispute resolution, cash application, and stitching context between tools. Valued at $60/hr × 52 weeks.
Borrowing cost
$0/yr
11% APR on ~$0 of cash stuck right now
Growth you can't fund
$0/yr
Capital sitting in invoices instead of deployed. $0 is roughly a contractor sprint, a quarter of inside-sales spend, or the gap between hiring now or waiting two months.
0×
ROI on what you pay
$7,740/year of Settle against $0/year of bleed. Pays for itself in ~0 days.
Every month you wait: ~$0 more bleed.
Over 3 years: ~$0 recovered vs $23,220 of Settle. The bleed compounds — and so does the offset.
Working capital you'd free up
$0
Cash that lives in your business instead of waiting on customers. The kind of number that either funds the next move or stays trapped in receivables.
What that buys you
0
mid-level hires
At a fully-loaded ~$95K/year per person.
0
months of paid acquisition
At ~$15K/month of meaningful campaign spend.
0%
lift to net profit
At a typical 15% services-firm margin.

Plus what we can't put a number on: the relationship damage from wrong invoices, the apology emails, the panic before month-end close, the credibility tax with clients who see chaotic billing. Those don't show up here — they show up in retention.

Questions, answered

Stop letting late payments cost you.

Start free in minutes, no credit card. Or grab 15 minutes and we'll run it on your own invoices.

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