Put a dollar figure on the cost of financing a buyer's net-30/60/90 terms.
1
Enter your numbers
Type the invoice amount, how many days until it's paid, and your cost of capital or APR.
2
We carry the cost
Daily rate = APR ÷ 365. Carrying cost = invoice × daily rate × days — the interest you eat while waiting to be paid.
3
Use the result
The hero number is what the terms cost you; the effective haircut shows it as a percentage of the invoice.