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Customer Payment Terms Drift Check: Who Is Paying Later, and What It Holds
The most expensive receivables problems are not the ones in the aging report. They are the customers who quietly moved from 30 days to 45 and were never called, because nothing was overdue by the old rule.
Paste your customers with annual revenue, terms, and days to pay over the last 12 months and over the last 3. The tool shows who is paying beyond terms, who is slower than their own pattern, and how much cash each holds. The example rows are illustrative; replace them with yours.
Your customer rows
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Your results
Cash held beyond terms today
$383,288
7 customers, $12,950,000 of annual revenue. Revenue per day times days beyond terms, for customers paying late only. It is cash you have earned and are waiting on, not a loss.
Revenue-weighted days to pay
46.5 days
Terms average 35.8 days. Over the last 12 months it was 38.8 days.
Of that, cash added by the recent drift
$274,795
Customers paying slower now than over their own last 12 months, counted for the extra days only. This is the part nobody may have noticed yet.
Customers flagged
3 of 7
$6,600,000 of annual revenue, 51% of the total.
Flagged, largest cash first
| Customer | Terms | Pays in | Drift | Cash held |
|---|---|---|---|---|
| Northline Supply | 30 | 52 | +18 | $253,151 |
| Brightwater Foods | 30 | 43 | +2 | $53,425 |
| Lakeshore Builders | 30 | 49 | +13 | $46,849 |
Check each flagged customer for a reason before you chase: a dispute, an agreed change, a new approval step, or a billing error on your side.
Illustrative example values are prefilled; replace them with your own. Everything is calculated in your browser, and Performis does not store what you enter. Our analytics record which calculator was used and a few summary figures, such as a rounded result.
The formulas
- Revenue per day
- Annual revenue ÷ 365
- Days beyond terms
- Days to pay (last 3 months, else 12 months) − terms days
- Cash held beyond terms
- Revenue per day × days beyond terms, late customers only
- Drift
- Days to pay (last 3 months) − days to pay (last 12 months)
- Cash added by drift
- Revenue per day × drift, slowing customers only
- Revenue-weighted days to pay
- Σ (days to pay × revenue) ÷ Σ revenue
How to interpret your result
Start with the biggest cash, not the biggest days
The flagged table is sorted by cash held. A small customer paying 40 days late holds less than a large one paying 10 days late. Start where the dollars are.
Separate drift from habit
A customer that has always paid 15 days late is a terms and pricing conversation. One that has moved by 15 days in a quarter has changed something, such as a process, a person or their own cash. Those are different calls.
Compare weighted days to pay with your terms
If revenue-weighted days to pay is well above weighted terms, collections is carrying the gap. If it is close, look for a few outliers rather than a general problem.
Make it a routine, not a project
Run it on a schedule with the same threshold. Review who is new on the list, who dropped off, and what you learned from each call, so the next cycle starts from it.
Check your own side
Late invoices, wrong purchase order numbers and unclear remittance details cause slow payment too. Rule those out before treating a customer as the cause.
Frequently asked questions
What is payment terms drift?
It is a customer paying later than it used to, or later than its terms, without anyone deciding that it should. A large customer moving from 30 to 45 days to pay can hold tens or hundreds of thousands of dollars in cash and show up on no report until the cash forecast misses.
How is the cash held beyond terms calculated?
Annual revenue divided by 365 gives revenue per day. Multiply that by the days the customer pays beyond its terms. A customer with $365,000 of annual revenue paying 15 days beyond terms holds about $15,000. Customers paying on time or early are counted as zero, not as negative.
Where do I get days to pay?
From your receivables system or collections report: the average number of days from invoice date to payment date for each customer, ideally weighted by invoice size. Calculate it over the last 12 months and again over the last 3, so you can see whether the pattern has moved.
Is a slow payer always a problem?
No. A customer may have been granted longer terms, moved to a new approval process, or be disputing one invoice. Check for a reason before you chase. A customer whose pattern changed with no reason is the one to look at first.
How often should I run this?
Weekly or monthly, as part of the collections routine, using the same threshold each time so the list is comparable. The value is in the change from the last run, not in any single list.
Is my data stored or sent anywhere?
No. The tool runs entirely in your browser, collects no personal information, and does not save what you type.
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