naits — Contracts to Paid.

NAITS · FREE TOOL

How much money do you have locked up with your customers right now?

Enter your annual revenue and average payment terms — the calculator shows you the hidden cost of being a bank for your customers.

Currency
Annual RevenueNOK 5m
Average DSO (days to payment)45 days
Around SMB average (38–45 days)

How many days on average before your customers pay?

Hours spent on chasing & follow-ups per month8 hours
Your hourly cost (fully loaded)700 NOK/hr

CAPITAL LOCKED WITH CUSTOMERS RIGHT NOW

NOK 616,438

This is money you've already earned — but it's still sitting with your customers.

WHAT DOES ONE DAY COST?

NOK 84

in lost interest income and liquidity drag

Your revenue — what you actually have access to

12% locked · NOK 616.4k88% available · NOK 4.4m

Today · 45 days

NOK 616.4k

Current situation

30 days

NOK 411k

Freed: +NOK 205.5k

15 days

NOK 205.5k

Freed: +NOK 411k

0 days · naits

NOK 0

All freed: NOK 616.4k

The full cost of extending credit to your customers

  • Opportunity cost of tied-up capital

    Your money locked in AR, at 5% discount rate

    NOK 30,822

  • Administrative cost

    Hours spent on chasing, follow-ups and collections

    NOK 67,200

  • Estimated bad debt losses

    Typically 0.5–1% of credit sales for SMBs

    NOK 25,000

  • Total annual cost of being a bank for your customers

    NOK 123,022

Assumptions: 5 % cost of capital a year · bad debt 0.5 % of revenue.

What if you got paid on day 0?

With naits, your customer signs the contract and commits to pay in the same moment. The invoice goes out automatically. No chasing.

See how naits works

Free to try · No commitment

The calculator is based on a simplified DSO model: Accounts Receivable = (Annual Revenue / 365) × DSO. Opportunity cost calculated at 5% discount rate. Bad debt estimated at 0.5% of revenue.