Payment Terms Impact Calculator

See how offering net-30, net-60, or net-90 payment terms to your wholesale buyers creates a cash flow gap and quantify the real financing cost to your business.

Monthly B2B Revenue ($)

Monthly wholesale/B2B sales

Your COGS Rate (%)

% of revenue that's your cost

Financing Rate (% APR)

Cost of capital (credit line, factoring)

Your Payment Terms (days)

How fast you pay your suppliers

Cash flow gap = days receivable × (daily revenue × COGS rate). The financing cost is what it costs to bridge that gap. Net-30 is manageable; net-90 can strangle a growing business.