Debtor Days Calculator
Enter your annual revenue and current trade debtors to calculate your debtor days. Compare your result to the sector benchmark and see how much cash you could free up by improving collections.
Your inputs
Estimated cost
Current debtor days
60.8 days
Target debtor days
30 days
Cash freed at target
£101,370
How much cash you could unlock by reaching your target
Daily revenue equivalent
£3,288
Revenue generated per day
Assumptions used in this calculator
- Debtor days formula: (Trade Debtors / Annual Revenue) x 365.
- Year-end debtors used; interim figures may give a more representative picture.
- Excludes VAT from both revenue and debtors for consistency.
Other Spark Finance calculators
Calculator questions
What is a good debtor days figure?
For most B2B businesses, below 45 days is acceptable. Below 30 days is excellent. Above 60 days suggests collections are underperforming or payment terms are too long.
How can I reduce my debtor days?
Invoice promptly, ensure invoices contain all required information, implement a structured chasing process, and consider invoice finance to decouple cash flow from customer payment behaviour.
How to get a debtor days through Spark Finance
- 1
Complete the free calculator above to understand your estimated monthly repayment.
- 2
Click 'Check your eligibility' to start your full application in under five minutes.
- 3
Spark Finance approaches multiple lenders and presents you with competing offers to compare.
- 4
Accept your preferred offer and funds are typically released within 24-72 hours.
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