ROI Calculator
Calculate the impact of FutureBNPL
on your business
Enter your company data and discover how much you can free up in cash, how much you save in costs and how your collection time is reduced.
What changes with FutureBNPL
⏱️
Collection period
60-90 days → 24h
🛡️
Default risk
Assumed by you → 100% covered
🏦
Credit register & guarantees
Consumed → Free
⚙️
Collection management
Manual → Automated
✨ The shift
ROI Calculator
Calculate the impact of FutureBNPL
on your business
Enter your company data and discover how much you can unlock in cashflow, savings and collection time reduction.
Your company data (annual)
Credit sales10.000.000 €
Average collection period60 days
Average delay beyond agreed terms15 days
Bad debt / default1 %
Current financing cost1 %
Credit insurance premium0.5 %
Your estimated impact with FutureBNPL
Your B2B credit cost
↳ Financing–
↳ Credit insurance–
↳ Defaults–
↳ Management & admin–
Total cost–
With FutureBNPL
New effective collection period–
Estimated annual savings–
Capital you unlock to reinvest
–
Cashflow tied up today in receivables
* Indicative estimate. Actual impact depends on your sector and client profile.
The hidden cost of selling on credit
Each credit sale costs you between 1,5 % y un 3,5 %
just for letting your client pay later
These percentages apply regardless of your company size. The real cost goes far beyond the interest rate:
Traditional model
Estimated annual cost (60-day collection)
Financing (working capital, confirming, factoring...)0,4 – 1,0 %
Includes interest, opening fees and non-usage fees. Varies by instrument and risk profile.
Credit insurance0,5 – 1,0 %
Only covers 80-90% of default. Premium rises after loss-making periods.
Collection management & admin0,2 – 0,5 %
Uncovered defaults, recovery & legal0,4 – 1,0 %
Total estimated cost1,5 – 3,5 %
And that's not counting...
Personal guarantees to access financing. The risk of non-renewal of credit lines at the worst time. And if you use alternative financing, these percentages multiply.
vs
With FutureBNPL
Estimated annual cost
Commission per successful operationPer proposal
Includes everything: scoring, insurance, credit, collections and default management.
Credit insuranceIncluded
100% default coverage. No deductibles or exclusions.
Collection management€0 (automated)
Defaults€0 (risk assumed)
Net result20-60% lower cost
Transparent pricing
No origination fees. No non-use penalties. No surprise increases. No personal guarantees. No non-renewal risk. No internal collection management. 100% automated.
Want to know the real impact
on your business?
Our team can analyse your specific case and provide a personalised proposal with real data from your sector.
Request personalised proposal →