What you get back: the typical business gets 7× the Collect fee in year one
2026-09-24
What would collects.io be worth to your business? We modelled it on the figures businesses in our research shared with us.
What you get back
- The typical business gets back 7 times what Collect costs in its first year.
- 4 in 5 get back more than they pay in year one.
- Every year after, the typical business gets back 1.6 times the fee, from less bad debt and less staff time alone.
Where the figures come from
Our research covers 40+ UK businesses. We modelled every one that gave us figures for turnover, days to pay, bad debt and time spent collecting. We left out accountancy practices, because they introduce clients to us rather than use us.
How we worked it out
- Cash you get in sooner: 10 days faster payment × daily turnover, counted once in year one — and only where your customers take more than 37 days to pay.
- Bad debt avoided: 40% of the bad debt you told us you write off.
- Time saved: the hours you spend collecting × £33.43 an hour (a London credit controller, fully loaded) × 90% of the work covered.
- The fee: the full Collect price for your invoice volume, as if we collected every invoice — the most Collect can cost you.
Who it works best for
Businesses whose customers take more than 37 days to pay. That is where the cash you get in sooner is largest.
Who it suits less well
If you are already paid quickly and raise thousands of invoices a year, Collect can cost more than it saves. Start with Visibility and see your own figures first.
What this does not claim
It is a model from the figures each business gave us, not a measured customer result. Cash you get in sooner is working capital returned once, not profit, which is why the return every year after is shown separately.
The businesses, the method and every sum check are in our customer value paper, on the Risk management & ROI page.