Enhanced Debtor Insights for SMEs
A clear, structured dashboard that reveals the true state of your customer debt — exposure, drift, overdue pressure and cashflow risk. Designed to give SMEs fast, practical clarity without complexity.
1. How this tool works
This dashboard gives you instant clarity over your customer debt position — who owes money, how long they’ve owed it, and how overdue balances are behaving across each ageing bucket. It’s built for real‑world SMEs, including those without formal payment terms or credit policies.
Once you paste your data into the Input Sheet, the dashboard automatically:
- calculates due dates
- works out days overdue
- places overdue amounts into the correct ageing bucket
- updates exposure, drift and risk metrics
- keeps all formulas hidden and protected
A fast, practical way to understand cashflow pressure without complex spreadsheets or accounting knowledge.
2. Download the dashboard and enter your data
Download the Enhanced Debtor Insights dashboard as a protected Excel file, ready to use immediately. A fully worked example PDF is also included so you can see exactly how the dashboard behaves with real data.
Enter your invoice details into the coloured cells on the Input Sheet. Everything else updates automatically — ageing, drift, exposure, overdue totals, interest, and risk.
This dashboard follows the same clarity‑first structure as your other SGA tools, adapted for a downloadable format.
3. Why this matters
Most SMEs don’t realise how quickly overdue balances build up — or how long customers quietly drift past expected payment times. Without visibility, small delays turn into large exposures, and cashflow pressure grows without warning.
This dashboard helps you:
- see overdue balances clearly
- understand where cashflow is slowing down
- spot early drift in customer payment behaviour
- prioritise which customers need attention first
- make better operational decisions
- avoid surprises
It’s a practical clarity tool within the SGA Cashflow & Behaviour discipline — designed to give you senior‑level insight without complexity.