Connect Xero. See every outstanding invoice grouped by client, with the daily finance-fee cost of every unpaid balance. Chase with a branded statement that puts the pounds-per-day cost right on the page.
Payroll goes out Friday. Every Friday. No delays, no negotiation.
30-day terms if you’re lucky. 45-60 days is more common in transport, healthcare, construction.
Every day between paying the worker and getting paid by the client is a day you’re paying the bank. Xero shows the invoice. Not the drag.
Settings → Xero → Connect. OAuth into your Xero org, pick the tenant, approve the read-only scopes. Takes under 60 seconds.
First pull happens on connect. After that a nightly cron mirrors the last 12 months of activity. Manual refresh whenever you want it right now.
Every client group gets a Chase button. Auto-picked tier, branded statement PDF, one-click email from your agency address.
One collapsible row per client, sorted biggest debtor first. Worst-age pill, invoice count, outstanding total and finance-fee subtotal all visible before you click a thing.
Every invoice shows fee_to_date = amount × your rate × days_held / 365. Client subtotals roll up so you can point at any account and say "this one is costing us £X per day".
Every group has a "Chase" button. Preview the statement, download the PDF, or send it straight from Resend under your agency letterhead — with the compelling "£X per day it stays unpaid" hero line baked in.
Reminder → First chase → Escalation → Final notice. Auto-suggests the tier from the client's oldest overdue invoice. Templates prefilled with client name, outstanding, days overdue, daily fee. Send history logs which tier went out and when.
Outstanding credit notes pull in alongside invoices. Statements show the CN line, footer breaks out Invoices subtotal − Credits subtotal = Net outstanding, and chase amounts match what's actually owed.
Cron pulls the last 12 months of activity every night. Manual "Refresh from Xero" if you need it right now. Read-only scopes — RateCalc never writes to your Xero data.
That’s £2,836 gone before you’ve added a placement fee. RateCalc surfaces this per invoice, per client, per day — so you can point at it, chase it, and price around it.
Any UK Xero plan with API access. That covers Starter, Standard, Premium, and Ultimate. You connect once via OAuth — no data entry, no CSV exports, no bookkeeping fluff.
No. Xero is included on every paid RateCalc plan. Sign up for the free trial, connect Xero from Settings, and the finance page is live from your first sync.
Outstanding invoices, credit notes, and paid history for the last 12 months. Read-only — accounting.invoices.read and accounting.contacts.read scopes only. RateCalc never writes back to Xero, never creates transactions, never touches your ledger.
QuickBooks, Sage and FreeAgent are on the roadmap and use the same underlying model. Tell us which you use and we'll move yours up the build order.
From your Settings → Invoice Finance rate (annual percentage). RateCalc computes fee = amount × rate% × days_held / 365 for each outstanding invoice, then sums per client. Nothing is invented — the drag reflects your actual facility.
Connect Xero in a minute. See the drag today.