📊 Commercial Accounts Payable Aging Analyzer

Free interactive tool to analyze your accounts payable aging, calculate key metrics, identify collection opportunities, and discover how Legal Collects can recover unpaid invoices at 15% contingency.

Step 1: Company Info
Step 2: Invoice Entry
Step 3: Analysis
Step 4: Actions

Step 1: Company Information

Step 2: Invoice Entry

Add your unpaid invoices below. Sample invoices are pre-populated for demonstration. You can edit, delete, or add new invoices.

Invoice List

Vendor ↕ Invoice # ↕ Invoice Date ↕ Due Date ↕ Amount ↕ Days Past Due ↕ Aging Bucket Status ↕ Action

Invoice Summary

0
Total Invoices
$0
Total Outstanding
0
Avg. Days Past Due

Step 3: Analysis Dashboard

Total Outstanding
$0
Across all invoices
Days Sales Outstanding
0
days to pay average
Average Days Past Due
0
weighted average
90+ Days Past Due
$0
urgent priority

Overall Risk Assessment Score

0

Analyzing...

Accounts Payable Aging Distribution

Aging Bucket Summary

Aging Bucket Count Amount % of Total
Current (0-30) 0 $0 0%
31-60 Days Past Due 0 $0 0%
61-90 Days Past Due 0 $0 0%
91-120 Days Past Due 0 $0 0%
120+ Days Past Due 0 $0 0%

Top 5 Vendors by Outstanding Amount

Rank Vendor Invoice Count Total Amount Oldest Invoice (Days)

Cash Flow Impact Projection

Time Period Projected Collections % of Total Potential Impact
Next 30 Days $0 0% Low
30-60 Days $0 0% Low
60-90 Days $0 0% Low

Industry Benchmark Comparison

Metric Your Company Industry Average Status
Days Sales Outstanding 0 days - -
% Invoices 30+ Days Late 0% - -
% Invoices 90+ Days Late 0% - -

Step 4: Recommendations & Actions

Priority Action Items

California Legal Remedies & Statutory Framework

Cal. Com. Code §2709 - Statute of Limitations
California Commercial Code Section 2709 establishes that contracts for the sale of goods require payment within a reasonable time unless otherwise specified. This applies to invoice disputes and goods/services rendered.
Cal. Civ. Code §1717 - Attorney's Fees in Contract
California Civil Code Section 1717 allows recovery of reasonable attorney's fees in commercial disputes where the underlying contract specifically provides for their recovery. This significantly enhances collection viability.
Cal. Code of Civ. Proc. §337 - Four-Year Statute of Limitations
California Code of Civil Procedure Section 337 establishes a 4-year statute of limitations for written contracts. Your invoices must be collected within 4 years of the due date to preserve legal remedies.
Cal. Bus. & Prof. Code §17200 - Unfair Competition
California Business & Professions Code Section 17200 prohibits unfair or fraudulent business practices, including non-payment of invoices without valid defense. This provides additional grounds for collection action.

Statute of Limitations Countdown (4 Years)

Vendor Invoice # Due Date Days Since Due Days Until SOL (4 years) Status

Recovery Option Comparison: Your Costs & Results

Recovery Method Contingency Fee Upfront Cost Attorney Supervision Timeline Best For
Legal Collects (AI-Powered) 15% $0 ✓ Yes 30-60 days Most B2B accounts payable
Traditional Collection Agency 33% $0 Limited 60-90 days Smaller accounts
Litigation Firm 40% $2,000-$5,000+ ✓ Yes 6-12 months Complex disputes
In-House Collection N/A Staff time No 90-180 days Small balances
Savings Example: If you're collecting $100,000 in overdue invoices:
• Traditional Agency (33%): -$33,000 fee, Net Recovery: $67,000
• Litigation Firm (40% + upfront): -$44,000+, Net Recovery: ~$56,000
• Legal Collects (15%): -$15,000 fee, Net Recovery: $85,000
✓ You keep $18,000-$29,000 MORE with Legal Collects

Export & Print This Analysis

Ready to Recover Your Overdue Invoices?

Legal Collects specializes in California B2B commercial debt recovery with attorney supervision and a flat 15% contingency fee. No upfront costs, no risk.

Submit Your Cases for Recovery

AP Aging Best Practices

Learn how to manage accounts payable more effectively and reduce aging invoice risks.

📋

Standardize Invoice Receipt

Establish a centralized process for all invoices. Use a single email inbox, document scanner, or AP automation platform to ensure no invoices slip through cracks.

📅

Three-Way Match

Match PO (Purchase Order), Receipt, and Invoice before approval. This reduces payment delays and disputes caused by missing documentation or quantity/amount discrepancies.

⏱

Monitor Payment Terms

Track payment terms by vendor and calendar due dates. Set up alerts 10 days before due date so you pay on time and maintain vendor relationships while optimizing cash flow.

🎯

Prioritize by Risk

Rank invoices by aging and vendor risk. Focus payment on invoices over 60 days past due first, especially for vendors where relationships are critical or legal action is possible.

💬

Proactive Communication

Contact vendors BEFORE invoices are late. Establish clear communication about payment delays, partial payments, or disputes early. This prevents escalation and preserves relationships.

📊

Track DSO Metrics

Measure Days Sales Outstanding (DSO) monthly. Compare your aging profile to industry benchmarks. Improving DSO by even 5 days can unlock significant cash flow and strengthen your financial position.

Frequently Asked Questions

What is Accounts Payable Aging? ▼

Accounts Payable Aging is a financial analysis that categorizes unpaid invoices by how long they've been outstanding. It segments invoices into aging buckets (Current, 1-30 days, 31-60 days, etc.) to identify cash flow risks and prioritize collection efforts. This tool helps you understand payment patterns and take action before invoices become uncollectible.

How is Days Sales Outstanding (DSO) calculated? ▼

DSO (Days Sales Outstanding) = (Average Accounts Payable / Cost of Goods Sold) × Number of Days. This metric shows the average number of days between invoice issuance and payment. For example, a DSO of 45 days means it takes on average 45 days for you to pay invoices. Lower DSO is better for vendor relationships but higher DSO preserves cash flow—the goal is balance based on your business model.

What aging profile is considered healthy? ▼

A healthy AP aging profile has most invoices paid within agreed terms (0-30 days for Net 30, 0-45 days for Net 45, etc.). Less than 10% of invoices should exceed 90 days past due. If more than 20% are 90+ days late, you have significant cash flow and vendor relationship risks that require immediate action. This tool calculates your risk score automatically.

When should I pursue formal collection? ▼

Timeline: At 30-45 days past due, send a friendly reminder. At 60 days, send a formal demand letter. At 90+ days with proper documentation (invoice, communications, proof of delivery), legal action becomes viable. California law allows 4 years for collection (Cal. CCP §337). The longer you wait, the harder it becomes, so act immediately after 60 days past due. This is where Legal Collects helps.

How does Legal Collects' 15% contingency model work? ▼

Legal Collects charges 15% contingency on amounts recovered, meaning you only pay if we collect. There are zero upfront costs. Our AI-powered process combined with attorney supervision typically recovers 60-85% of qualifying accounts payable (vs. 40-60% with traditional agencies). For a $100,000 portfolio, you'd pay $15,000 if we recover the full amount, keeping $85,000. Compare that to traditional agencies (33%) or litigation firms (40%+).

What's the statute of limitations on California commercial debt? ▼

California Code of Civil Procedure Section 337 establishes a 4-year statute of limitations for written contracts, which includes invoices. This means you have 4 years from the invoice due date to pursue legal collection. After 4 years, the debt becomes time-barred and uncollectible. This tool calculates the SOL countdown for each invoice so you know when to act. Don't wait—start collection at 90+ days to maximize recovery time.

Can I export this analysis for my team? ▼

Yes! This tool provides multiple export options: (1) Print the entire analysis to PDF with formatting intact, (2) Copy all data to clipboard for pasting into Excel/Google Sheets, or (3) Use your browser's native export features. All calculations, metrics, recommendations, and legal information are included in exports. This makes it easy to share with your finance team, CFO, and Legal Collects during the submission process.

Is there any fee to use this analyzer? ▼

This Commercial AP Aging Analyzer is completely free to use. There are zero fees for analyzing your accounts payable, calculating metrics, or generating reports. Fees only apply if you choose to engage Legal Collects for actual debt recovery services, at which point you'd pay 15% contingency on amounts recovered. Using this tool is a great first step to understand your aging risk.