How much of your money is locked in receivables and retention right now — financing your clients for free.
How much of your money is locked in receivables and retention right now — financing your clients for free.
That's your working capital, sitting idle. sotyn.ai chases every rupee automatically.
Every day a client pays late, you're financing them for free. Between slow receivables and retention held back on every bill, a large share of a contractor's turnover sits locked up as working capital. This calculator estimates how much of your cash is stuck right now, so you can see the size of the collections problem.
It approximates your average outstanding as turnover × (average payment delay in days ÷ 365) — i.e. how much revenue is typically unpaid at any moment given your collection speed.
Retention (usually 5–10%) is your money the client holds until defect liability ends. It's real cash locked out of your business, often for a year or more, so it belongs in the total.
A back-of-envelope number is a start. In a free 20-minute demo we open sotyn.ai on your own trades and project sizes — no slides, no staged data.
Take the 2-minute EPC Profit Leak Scorecard and see exactly where — and how much — your business is losing every year.
