For UK businesses and freelancers
Check late payments from former clients.
Get a free estimate of possible statutory interest and fixed compensation on UK business-to-business invoices, including invoices already paid late.
Upload a CSV export from Xero, QuickBooks, Sage or a spreadsheet. Couriers, trade suppliers, recruiters and freelancers can review many small invoices together.
No account, identity details, email or payment needed. A valid-file estimate is designed to take under a minute.
Free CSV estimator
Estimate late-payment charges
Use this only for UK business invoices from former clients; the CSV cannot verify those facts. Check the mappings and review the estimate. Your file is processed for this calculation only and is not saved.
Calculation basis
Interest follows each late period.
For clear terms, the estimate uses simple statutory interest at 8 percentage points above the applicable Bank of England Bank Rate. The rate on 31 December applies from 1 January to 30 June; the rate on 30 June applies from 1 July to 31 December.
Each half-year segment is calculated as debt × annual rate × late days ÷ 365, then rounded to pennies. Interest and compensation are shown separately.
Bank of England rate historyFixed compensation by invoice amount
- Up to £999.99
- £40
- £1,000 to £9,999.99
- £70
- £10,000 or more
- £100
GOV.UK says the fixed sum is based on each payment. The estimate uses the invoice debt amount for this band.
GOV.UK compensation guidanceWhat the estimate checks
Rows are handled one at a time.
Clear late invoices with due dates within six years are included whether unpaid or paid late. Unpaid invoices accrue through the estimate date; paid invoices accrue through their paid date.
On-time and older invoices, and invoices showing a different contractual rate, are excluded. Blank, unclear or conflicting contract terms are marked for review and kept out of the clear-eligible total.
Amounts are estimates only. They do not guarantee eligibility, a claim right or recovery, and invoice principal is never counted as a statutory charge.
About the offer
This free estimate does not start recovery.
If a separate recovery service is agreed later, the founder's stated offer is conditional: 25% of money actually recovered. This estimator does not send messages, make a claim or promise a recovery.