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Calculators

Run the numbers in seconds.

Five quick tools to size your facility, compare costs and benchmark what you're paying today.

Invoice advance calculator

How much hits your account today, and how much is held back until your customer pays.

Invoice value£50,000
£1k£500k
Advance rate90%
70%95%
Released today£45,000
Held until customer pays£5,000

Speak to your broker for a tailored quote.

Cost-of-funding comparator

Annual cost of £X drawn against each instrument. Indicative rates over BoE base.

Funds drawn£300,000
£50k£2m
Invoice finance (~8.75%)£26,250 / yr
Revolving credit (~9.75%)£29,250 / yr
Bank term loan (~11.00%)£33,000 / yr

Speak to your broker for a tailored quote.

Days Sales Outstanding (DSO)

How long, on average, your customers take to pay. The single most important working-capital number.

Annual turnover£3,000,000
£250k£20m
Current debtor book£500,000
£10k£5m
Your DSO61 days
StatusSlow

Speak to your broker for a tailored quote.

Cash-flow gap calculator

The working-capital headroom you need to cover the gap between paying costs and getting paid.

Monthly invoiced£250,000
£10k£2m
Monthly costs out£200,000
£10k£2m
Customer payment terms60 days
14120
Working capital required£400,000
Gap vs monthly invoicing£150,000 short

Speak to your broker for a tailored quote.

Facility renewal benchmarker

Compare your current facility against the median whole-of-market rate. Renewal is the moment to switch.

Annual turnover£3,000,000
£500k£20m
Current service fee1.50%
0.2%3.5%
Current discount fee (over base)4.5%
1.5%8%
Your annual cost (est.)£65,250
Market median (est.)£40,125
Potential annual saving£25,125

Speak to your broker for a tailored quote.

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