Free Tools for Finance Leaders
Practical, no-signup tools built by collection practitioners with 25 years of international B2B experience. Benchmark your performance, audit your process, score your risk, and estimate recovery potential — without filling in a form or speaking to a salesperson.
10 tools. Zero signup. Built from real collection data, not marketing assumptions.
DSO Benchmarker
How Fast Do You Get Paid?
Enter your industry, country, and current DSO to see how you compare against market benchmarks. Optional: add annual revenue to estimate cash locked in receivables.
Free AR Audit
The 5-Minute AR Health Check
Score your AR process across 5 dimensions. Get a personalised maturity grade with actionable recommendations to reduce leakage.
Late Payment Cost Calculator
What Late Payments Actually Cost You
See exactly how much late payments cost your company annually — broken down into hidden cost components most finance teams overlook.
Cross-Border Payment Risk Map
Where Your Money Goes to Wait
Payment behaviour, legal enforcement data, and collectability scores for 25 countries. Search, filter, and click any country for the full profile.
Recovery Estimator
What Can You Actually Get Back?
Estimate your potential recovery rate based on invoice age, debtor country, and industry.
Credit Terms Generator
Your Credit Policy, Written by Professionals
Build a professional B2B credit policy document in 60 seconds. Tailored payment terms, credit limit tiers, escalation procedures, and legal clauses — ready to present to management.
Statute of Limitations Calculator
The Expiry Date
Every international B2B debt has a shelf life. Miss it, and your legal right to collect vanishes — no matter how solid your case. Find out exactly how much time you have left.
Credit Risk Scorecard
Trust, But Verify
The B2B credit risk scorecard that replaces gut feeling with structured judgment. Score a new customer in 2 minutes, before you learn their payment habits the hard way.
Payment Behaviour Profiler
Will They Pay?
Payment culture varies wildly between countries. Get average payment terms, delay statistics, legal enforcement timelines, and insider tips for 30+ countries.
Aging Bucket Optimizer
The Cost of Waiting
Every day an overdue invoice ages, it loses value. This simulator shows you exactly how much you're leaving on the table — and what different collection strategies would recover.
Built by practitioners, not consultants.
We've been recovering international B2B debts since 1999. Twenty-five years and seven offices later, we still believe the best way to earn trust is to give value before asking for anything in return. These tools cover the core disciplines of accounts receivable management — from credit risk assessment and DSO benchmarking to debt recovery strategy, cross-border payment analysis, and collection strategy optimization. They exist because we've answered the same questions thousands of times — for CFOs in Hamburg, controllers in Houston, and finance directors in Dubai.
Free accounts receivable tools used by finance teams in 40+ countries
Whether you need to benchmark your DSO against industry peers, check the statute of limitations on an aging receivable, calculate late payment interest under the EU Late Payment Directive, profile a country's payment culture before extending credit, or simulate recovery outcomes on your aging buckets — these tools give you the answers without a sales call. Built from real collection data, not marketing assumptions.
Frequently Asked Questions
What is Days Sales Outstanding (DSO) and why does it matter?
DSO measures the average number of days it takes to collect payment after a sale. A high DSO ties up working capital and increases financing costs. Our DSO Benchmarker lets you compare your performance against industry peers across 25 countries.
How do I check the statute of limitations on an international B2B debt?
Use our Statute of Limitations Calculator. Select the debtor's country, enter when the invoice was due, and get the exact number of days remaining before your legal right to collect expires. Covers 30+ jurisdictions with specific legal references.
How can I assess the credit risk of a new B2B customer?
Our Credit Risk Scorecard evaluates 8 structured factors — years in business, payment references, financial transparency, country risk, and more — to produce an A-to-F grade with a suggested credit limit. Takes 2 minutes.
Are these tools really free? Do I need to sign up?
Yes, every tool works immediately with no signup, no email gate, and no PDF download tricks. We've never gated a tool and we don't plan to start. They're built from 25 years of operational data to help finance leaders make better decisions.