Late Payment & Bad Debt Calculator
See the real commercial cost of an overdue balance
Late payment affects more than the bank balance. It ties up working capital, consumes credit-control time and can force your business to generate significantly more sales to replace a write-off.
Compare the turnover needed to replace the loss, potential statutory interest and the estimated cost of professional recovery before deciding what to do next.
Enter the total overdue account balance and the due date of the oldest invoice. The figures update automatically.
Turnover needed to replace the loss
Estimated Rezolva collection commission
Rezolva Connect adds late-payment interest and recovery costs at placement. Recovered collection costs are applied against this commission.
Create a free account. No collection commission is charged if the amicable recovery instruction does not produce a recovery, subject to the agreed terms.
Understanding the estimate
Three figures, three different commercial questions
Potential late-payment interest
For some qualifying business-to-business debts, statutory interest may be available at 8% above the Bank of England base rate. A different contractual remedy or the circumstances of the transaction can change the position.
Turnover needed to replace a loss
If a debt is written off, the turnover needed to replace it depends on your profit margin. This comparison shows why waiting can cost substantially more than taking proportionate recovery action.
Estimated recovery commission
The commission estimate compares the likely cost of successful recovery with the wider cost of losing the balance. International and third-party costs can vary and should be agreed before they are incurred.