Who this is for
This calculator is for UK businesses dealing with overdue B2B invoices. It is useful for agencies, consultants, suppliers, contractors, freelancers, and small companies.
It is not intended for consumer debts or personal lending situations.
Why commercial debt needs a precise calculation
A debtor can ignore vague reminders more easily than a specific claim showing the invoice amount, daily interest, accrued interest, compensation, and total due.
A repeatable calculation also helps internal teams keep the claim updated as more days pass.
Use the calculator before escalation
Calculate the commercial debt interest before sending a demand, involving a collection partner, or deciding whether further legal action is proportionate.
The result is a practical starting point, not a replacement for legal advice in complex disputes.
FAQ
Common questions
What is a commercial debt?
A commercial debt is money owed in a business context, such as an unpaid B2B invoice for goods or services.
Can statutory interest apply to all commercial debts?
Not necessarily. The commercial relationship, contract terms, due date, and dispute context can affect whether statutory interest is appropriate.