Calculate your locked-up working capital, annual bad debt losses, and see how fast you can recover customer debts with automated ledgers.
BiznessBook lowers your collection time from 45 days to 16 days using automatic customer ledgers and SMS/WhatsApp debt reminders.
When small businesses track credit sales in notebooks or spreadsheets, receivables balloon. Customers forget balances, staff miss collection dates, and working capital remains trapped for 45 to 60+ days.
Trapped Capital = Monthly Credit Sales ร (Average Days to Pay / 30)
Annual Bad Debt = Monthly Credit Sales ร 12 ร (Default Rate / 100)BiznessBook links customer profiles to active credit ledgers, tracking every installment and balance automatically without paper records.
BiznessBook automatically calculates total customer balances every time a credit sale or partial deposit occurs, allowing you to share digital ledger receipts directly via WhatsApp.
For retail and local service businesses, credit should ideally be settled within 14 days. Days Sales Outstanding (DSO) exceeding 30 days significantly increases default risk.