What are late payments costing you?

First it works out your overdue balance: monthly billing weighted by how late invoices run, then narrowed to the share that actually goes past due, since invoices still within terms are the normal working-capital cycle rather than a cost. Three lines are charged against that balance. Team hours: roughly 6 hrs/week per person plus 17 minutes per invoice at their loaded cost, from the Chaser 2026 AR Report and Versapay/Wakefield 2023. Cost of the cash being out: a 22% reinvestment return forgone, charged once rather than double-counted alongside a borrowing rate. Never collected: write-offs rising with age from 1% to 6% of billing against a ~2% B2B average, with 60% attributed to collections. The full breakdown and sources sit under the result.

Any invoice that's past its due date and not yet paid - plus the ones stalled in a dispute, waiting on an internal approval, or sitting on a broken payment promise. It's revenue you've earned that hasn't turned into cash on time.

Chase smarter, not harder: pause reminders on disputed invoices and pending commitments so you stop chasing customers who already raised an issue, apply cash the day it arrives, and catch slow-pay drift early. That's what Bruvora Receivables is built to do - show where each dollar is blocked and what the next move is.