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How much cash is stuck in your overdue invoices?
Enter a few numbers and see what faster collections would free up — in about 30 seconds.
Your numbers
Rough figures are fine — you can refine them in the audit.
Average days to get paid. Unsure? ≈ receivables ÷ annual credit sales × 365.
Collecting 18 days faster.
Working capital you could free
RM266,000
by cutting DSO from 58 → 40 days — a one-time cash release from collecting 18 days sooner.
DSO Efficiency Ratio
Current DSO ÷ your terms
1.9×
Cash-flow problemA cash-flow problem that compounds over time
~RM1,800/yr
~RM18,000
Assumes ~35% of receivables overdue at 8% cost of capital, and a 6% bad-debt rate (Singapore benchmarks).
Flat monthly pricing · 0% commission · we never take a cut of what you collect.
How we read the numbers
Every day an invoice goes unpaid is a day of working capital you've financed for free — for your customer. Cutting DSO releases that cash without finding a new customer or raising a price.
The DSO Efficiency Ratio(your DSO ÷ your payment terms) tells you how far past terms you're actually collecting. Run much above 1.0 and the gap compounds — you're funding the float every cycle.
Default assumptions use published Singapore benchmarks: ~54% of B2B sales on credit, ~35% of invoices overdue, a 6% bad-debt rate (Atradius, 2025), and typical DSO ranges by industry (Creditpulse, 2025). Override any input with your own figures.
Estimates only — based on the figures you enter and external market benchmarks, not Chiron Pay results or financial advice. Sources: Atradius B2B Payment Practices Barometer (Singapore 2025); Creditpulse DSO by Industry (2025).
Typical DSO by industry
A rough benchmark for what "good" looks like (Creditpulse, 2025).
| Industry | Typical DSO |
|---|---|
| Retail / e-commerce | 5–20 days |
| Wholesale / distribution | 30–50 days |
| SaaS | 30–45 days |
| Professional services | 30–60 days |
| Technology / hardware | 40–55 days |
| Manufacturing | 45–60 days |
| Healthcare | 45–70 days |
| Construction | 60–90 days |
Questions, answered
- What is DSO?
- Days Sales Outstanding is the average number of days it takes to collect cash after you invoice. Lower is better — it's the single clearest measure of how fast your receivables turn into cash.
- How is the cash-freed figure calculated?
- We derive your receivables from your DSO and annual credit sales, then estimate the one-time working-capital release from collecting a set number of days sooner: roughly (days cut ÷ 365) × annual credit sales. It's the same DSO → cash engine that runs inside the Chiron Pay product, so the number you see here matches what you'd see in-app.
- Are these numbers guaranteed?
- No. They're estimates based on the figures you enter plus published Singapore market benchmarks — not a promise and not Chiron Pay's own results. Treat them as a directional sizing of the opportunity, then book a Recovery Audit for numbers specific to your book. Not financial advice.
- Do you take a percentage of what I collect?
- Never. Chiron Pay is flat monthly pricing with 0% commission — unlike a collection agency that skims a cut of every dollar recovered. The cash you free up is yours.
See the exact recovery plan for your business
A free Recovery Audit turns this estimate into specifics — how much of your overdue book is recoverable, how many days you could cut, and a plain plan to get there.
No commitment · no credit card · see pricing