Free tool

Invoice Risk Calculator

Estimate safer payment terms based on invoice size, credit period, and company strength.

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Turn a company score into practical payment terms

Use this to pressure-test deposit size, staging, and unsecured exposure before you send the invoice or agree terms. It is a decision tool, not a generic finance explainer.

Risk
Elevated
Suggested deposit
50%
Unsecured exposure
£1,500

For a 30-day term, Vettit would suggest keeping unsecured exposure around £1,500 unless the client looks materially stronger after a full report.

What this helps you decide
How much exposure you are really carrying at 30 to 60 days.
When a lower score should push you toward deposits or staged billing.
When normal terms are probably fine and when they are not.

The calculator is deliberately simple. It helps you convert abstract company risk into a concrete decision about deposits, staged billing, and unsecured exposure. That matters far more than having a neat score with no behavioural change attached to it.

Use it as a first pass, then tighten terms further if the company has overdue accounts, weak liquidity, outstanding charges, or signs of disorganisation.

Why this tool exists

Convert abstract risk into practical terms

This tool is strongest when you already have a sense of the client’s strength and want to translate that into safer milestones, deposits, and unsecured exposure decisions.

Related guides
Tool FAQ

What people usually need clarified

What should this calculator change in practice?

It should change the size of the deposit you ask for, how much work you complete before invoicing, and whether you leave too much exposure unsecured at the end of the job.

Can I still use normal terms with a strong company?

Yes. The point is not to overreact. It is to see when a weaker or thinner company record means your standard terms are carrying more risk than usual.

Next step
Need a real company behind the terms?

Search the company first, then use the full report alongside this calculator so the terms reflect actual filings, governance, and official records.

Search a company
Free first. Paid only when you want deeper diligence.