ROI calculator

What is your credit process costing you this year?

Not the software. The hours your credit manager spends faxing reference forms, leaving voicemails at branches and re-typing PDFs — plus what a single write-off costs in revenue you then have to replace.

Credit applications per month20

Hours spent per application4 h

Chasing bank confirmations and trade references, re-keying forms, filing.

Loaded hourly cost of that person$45

Salary plus benefits and overhead, per hour.

Typical bad-debt write-off$40,000

Gross margin12%

Hours spent on credit files each year

960 hours

That's 56 hours a month you could get back on the parts a person doesn't need to do.

Annual labour cost of the manual process

$43,200

Automating the chasing — roughly 70% of that time — is about $30,240 a year, or 90 working days returned to your team.

Revenue needed to recover one write-off

$333,333

At a 12% gross margin, a $40,000 loss has to be earned back with $333,333 of clean sales. Preventing one is worth more than any efficiency gain.

See it against your own approval process

Bring one real credit file to a demo and we'll run it end to end — application, bank confirmation, trade references and the signed PDF.

Book a demo

These figures are your own estimates, calculated in your browser. Nothing is sent to us or stored. They are an illustration for planning, not a guarantee of savings.