Revenue can grow before cash arrives.
Each new invoice adds work already delivered but not yet collected.
Cash-flow note · private browser calculation
The invoice is earned. The cash is still somewhere else.
Use two figures you already know — monthly invoiced revenue and the average wait for payment — to estimate the receivables carried by your business at any one time.
Nothing is stored or sent. The calculation stays in this browser.
Your working note
Move the inputs. Read the gap.
The estimate uses average receivables at steady state: annual invoiced revenue ÷ 365 × average days to pay.
£50,000
What you bill clients in a typical month
45 days
The real wait in practice, not only the term printed on the invoice
Estimated receivables outstanding
£74,000
Earned revenue that may be sitting with customers while your own costs continue.
Illustrative estimate · rounded to nearest £100
How to read it
This is a timing note, not a verdict on the business.
The wait compounds across a month.
The estimate treats billing as a steady flow, so it shows the average balance carried rather than one invoice.
Finance is only one possible response.
Some UK Ltd and LLP businesses discuss invoice finance with independent specialist brokers; others change terms, collections or working-capital planning.
What to do with the estimate
Keep the note beside the actual payment record.
This is an illustrative cash-flow estimate, not advice. Compare it with your real aged receivables and collections data. If one customer matters disproportionately, PaidLate can show the statutory payment metrics that customer reported, where a qualifying report exists.