Your cash is sitting in a customer's bank account, and nobody can say for how many days.
Receivables drift because the aged debtors report gets reviewed in a rush, credit limits get raised by the person who wants the sale, and write-offs go through without a second signature. The collection metric everyone quotes is usually a guess dressed up as a KPI.
This credit control system runs a full aged receivables and exposure analysis, calculates DSO, best-possible DSO and collection effectiveness automatically from the ledger, and shapes a bad debt provision to IFRS 9 / ASC 326 logic. Credit limits and write-offs both require an approver who didn't set the number in the first place.
Replaces the aged debtors spreadsheet, the chase list, the disputes email folder and the hand-calculated provision.
Built for credit controllers, accounts receivable managers and finance directors accountable for cash collection.
The provision matrix is shaped to carry both IFRS 9 expected credit loss and ASC 326 current expected credit loss logic. You set the loss rates for your own portfolio; the workbook does the banding, the calculation and the coverage reporting.
Every system is built as a standard Excel (.xlsx) workbook using formulas only — no macros, no add-ins, nothing to install. Because there are no macros, the files also open in Google Sheets and LibreOffice.
Checkout is processed by Paddle. Within a few minutes of payment clearing, your download links are emailed automatically from info@appiqfinance.com. You get the blank master workbook and a fully worked example.
Report it within 14 days with the file, tab and cell, and we fix it and redeliver — or refund you in full if we can't. See the refund policy for the exact terms.
Close finishes when the file gets sent, not when the numbers are proven right.
View system →The first place a duplicate payment gets caught is the bank statement.
View system →You find out you're short on cash the same week you're short on cash.
View system →