Invoice Risk Calculator
Estimate safer payment terms based on invoice size, credit period, and company strength.
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.
For a 30-day term, Vettit would suggest keeping unsecured exposure around £1,500 unless the client looks materially stronger after a full report.
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.
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.
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.
Search the company first, then use the full report alongside this calculator so the terms reflect actual filings, governance, and official records.