Money Monday

Debtor Days: The Silent Cash Killer

5–7 min read

Debtor days and overdue invoices reducing cashflow for Singapore SMEs

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Debtor Days: The Silent Cash Killer

If you collect slower than you pay, you will feel broke even with “profit”.

Back To Cash Control Debtor Scripts Fix Cash ($2,997) Profit Audit ($997)

Who This Is For
  • Invoices are high but collections are late.
  • You chase often and still run short.
  • You want a weekly receivables routine.


What To Do This Week
  1. List top 10 unpaid invoices by amount and age.
  2. Apply a weekly two-touch follow-up rule.
  3. Tighten terms for new work (deposit, milestones).

FAQ
What is a “good” debtor days number?

It depends. Your first goal is improving the trend, not perfection.

Should I offer discounts for early payment?

Only if it improves cash more than it costs profit.

What is the fastest win?

Focus on top 10 invoices, not every small one.

Should I stop work for late payers?

Set a clear policy. Continuing work trains bad behaviour.

What habit prevents this?

Weekly receivables review on Money Day.

For current Xero users

Profit-Ready™ for Xero users

Already on Xero but still not clear on cash, profit, or what to fix first? This setup helps turn your numbers into something more usable, so you can stop guessing and make better weekly decisions.

Profit-Ready™ for Xero users
See support details
What this helps with
1
Stop reading your bank balance like a fortune cookie.
Get a clearer view of cash, profit, and revenue without adding more confusion.
2
Make Xero more useful week to week.
Add a simpler rhythm so your numbers support decisions instead of just recording history.
3
Know what to do next.
See what the setup includes, how support works, and whether it fits where your business is now.
Next steps
1
View the main solution page
2
See support details and what is included
3
Book a call if you want help choosing the right next move
View solution Book a call

Replace the links above with your actual solution page and booking page.

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