How Much Could You Save?

Benchmark based on a real Australian business case | Enter your own numbers to see your potential savings

Enter your numbers in the right column — your total potential savings calculate automatically as you type.

Sydney WholesalerSubmitted 02-09-2025
Try your numbers →
Hours/week chasing payments
5
Hourly rate for the person doing this
$70
$
Annual spend — chasing payments
$18,200
—
Hours/week on payment processing
5
Hourly rate for the person doing this
$70
$
Annual spend — payment processing
$18,200
—
Hours/week reconciling accounts receivable
5
Hourly rate for the person doing this
$70
$
Annual spend — reconciliations
$18,200
—
Hours/week recording accounts payable invoices
10
Hourly rate for the person doing this
$40
$
Annual spend — recording invoices
$20,800
—
Average outstanding working capital loan / overdraft
$100,000
$
Interest rate
7%
%
Annual spend — working capital loans
$7,000
—
Average monthly invoice financing volume
$1,000,000
$
Discount rate
5%
%
Annual spend — invoice financing
$600,000
—
Total annual accounts receivable (B2B only)
$18,000,000
$
Total annual accounts payable
$9,000,000
$
Labour cost savings × 99.1%
$74,721
—
Financing cost savings × 100%
$607,000
—
Freed-up working capital
$9,000,000
—
Value of freed-up working capital (5% opportunity cost)
$450,000
—
Total potential savings / year
$1,131,721
—
your estimate

The cash flow problem disappears to the extent that invoices are cleared.

Banks have known this for 200 years. Now every Australian business can access the same mechanism.

A real result

— from a Sydney-based wholesaler

A Real Australian SME
(submitted 02-09-2025 09:00:02)
Labour cost savings: $74,721 / year
Reconciliations  |  Payment processing  |  Chasing payments  |  Recording bills
Financing cost savings: $607,000 / year
Working capital loans  |  Invoice financing
Freed-up working capital: $9,000,000
The amount the business didn't have to pay
Value of freed-up working capital: $450,000 / year
5% opportunity cost on capital
Total potential saving (1+2+3): $1,131,721 / year

A level playing field

Banks have used this for 200 years, earning steady 30-35% profit margins.
Now every business can.

What Banks Have Been Getting
What Your Business Can Get
One net payment
One net payment — daily
Banks: Clearing with the banking network every day
One net payment — weekly
Your business: Clearing with the SME network every week
No reconciliation
No reconciliation
Banks: No incoming cash transfers to reconcile
No reconciliation
Your business: No incoming cash transfers to match against invoices
No manual entry
No manual entry of transfers
Banks: All transfers recorded electronically
No manual entry or scanning of bills
Your business: Bills available electronically on platform
No chasing payments
No chasing payments
Banks: Transfer obligations are cleared
No chasing payments
Your business: Invoices are cleared
Reduced counterparty risk
Reduced counterparty risk
Banks: Less risk of non-payment
Reduced counterparty risk
Your business: Less risk of non-payment
Lower costs
Lower costs
Banks: Less time and money spent on chasing and admin
Lower costs
Your business: Less time and money spent on chasing and admin
Reduced funding needs
Reduced funding needs
Banks: Less need to fund $300bn daily
Reduced funding needs
Your business: Less need for loans and invoice finance
Freed up working capital
Freed up working capital
Banks: Trillions of dollars freed up
Freed up working capital
Your business: As much as your accounts payable
More reliable forecasts
More reliable forecasts
Banks: No need for $300bn tomorrow either
More reliable forecasts
Your business: Less cash needs to flow

The cash flow problem disappears to the extent that invoices are cleared.

Get back to the fun stuff — doing business you love.

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