$10M
$1.5M
10%
Typical SMB line of credit runs roughly 8–22% APR (mid-2026). Default 10%.
Cash trapped beyond your payment terms
$678K
Your current DSO
55 days
Healthy DSO for your terms
42 days
Annual carrying cost of trapped cash
$68K
One-time cash released
$384K
Annual financing savings
$38K
DSO today55 days
DSO with Abivo41 days
Every month you wait costs roughly $6K in financing on cash your customers are holding.
Assumptions: 365-day year, simple DSO method (A/R divided by annual revenue times 365), all revenue on credit terms; scenario default reflects typical Abivo customer outcomes (one trades client cut DSO 61% and recovered $842K in a quarter - results vary). This is an estimate, not financial advice.