You will find a handy tutorial below the Kredcor B2B Debt Recovery ROI Analiser

`);printWindow.document.body.appendChild(clone); printWindow.document.close(); printWindow.focus();setTimeout(() => { printWindow.print(); }, 700); }function fireEmail() { if (!stateData.auditID) { alert("Please generate the report first."); return; }const debt = document.getElementById('debtIn').value || '0'; const dso = document.getElementById('dsoOut').innerText; const net = document.getElementById('netOut').innerText;const body = "AUDIT " + stateData.auditID + "\n" + "- Debt: R" + debt + "\n" + "- DSO: " + dso + "\n" + "- Net Injection: " + net + "\n\n" + "Please stop my losses.";window.location.href = "mailto:adriaan@kredcorgroup.com?subject=" + encodeURIComponent("Strategic Audit " + stateData.auditID) + "&body=" + encodeURIComponent(body); }

To get a .pdf version of the report, click the “Download PDF” button, and on the next window, choose “Save to PDF” as Destination. Be mindful as to where you are saving the report to, so you can find it easily afterwards.

Kredcor: Registered with the Council for Debt Collectors: Reg. Nr.: 0016365/06 | Established 1999 | Specialist B2B Debt Collectors in South Africa

Unlock Your Cash Flow: A Comprehensive Guide to Kredcor’s B2B Debt Recovery ROI Analyzer

In today’s dynamic South African business landscape, managing accounts receivable isn’t just about collecting money—it’s about protecting your financial health and ensuring sustainable growth. Unpaid debt is a silent killer of cash flow, stifling your potential and eroding your hard-earned profits.

That’s why Kredcor Commercial Debt Management has developed the B2B Debt Recovery ROI Analyzer—a powerful, free online tool designed to give you strategic insights into your outstanding commercial debt and project your potential for recovery.

This comprehensive guide will walk you through every feature of the analyzer, explain your results, demystify key financial terms, and show you exactly how Kredcor can turn your data into tangible cash flow.

---

Part 1: How to Use the Kredcor B2B Debt Recovery ROI Analyzer

Our analyzer is designed to be intuitive and fast, providing you with critical financial insights in just a few clicks.

1. Input Your Data:
   • Sector Risk Level: Choose your industry from the dropdown menu. This helps the tool benchmark your performance against typical sector dynamics in South Africa and informs the “Risk Heat Map.”
   • 90+ Day Debt (R): Enter the total amount of money owed to you that is more than 90 days past its due date. This is your most critical, high-risk debt.
   • Commission Rate (%): Input the commission rate you’d expect to pay for successful debt recovery. If unsure, start with Kredcor’s standard 15% for a realistic projection.
2. Generate Your Report:
   • Click the “GENERATE TOTAL ROI REPORT” button. The analyzer will instantly process your inputs and display your personalized financial audit.
3. Review Your Dashboard:
   • The “Dashboard” section will appear, providing a concise overview of your debt’s financial impact and recovery potential.
4. Action Your Report:
   • DOWNLOAD FULL AUDIT (PDF): Click this button to save a professional PDF summary of your analysis. Perfect for internal reviews or board meetings.
   • STOP LOSSES – CONTACT KREDCOR: Ready to take action? Click this button to instantly prepare an email to our expert consultants with your key results.

---

Part 2: Understanding Your Results

Once you click “GENERATE TOTAL ROI REPORT,” you’ll see a powerful dashboard designed to give you clarity and direction:

• Sector Risk Level: (Located at the top, derived from your input). This indicates the general difficulty of collecting debt within your chosen industry in the current SA economic climate.
• The Cost of Doing Nothing (Monthly): This crucial figure quantifies the actual money your business is losing every single month by not addressing your overdue debt. It combines:
  • Opportunity Cost of Capital: The interest your overdue cash could be earning if it were in your bank account (using the current SA Prime rate).
  • Statistical Value Erosion: The grim reality that debt loses approximately 1.25% of its collectible value every week it remains uncollected (an industry average).
  • The Result: A stark reminder that delaying action is actively costing you money.
• Kredcor Success Fee (Est.): This shows you the projected commission you would pay Kredcor, but only on the amount we successfully recover. It’s a performance-based fee, meaning we only get paid when you do.
• The “No-Brainer” Math: This section provides a powerful comparison. It highlights how quickly the “Cost of Doing Nothing” surpasses Kredcor’s success fee, making a compelling case for immediate action.
• Net Projected Cash Injection (After Fee): This is the bottom line: The estimated amount of cash Kredcor can put back into your business after our success fee has been accounted for. It’s your tangible return on investment.

---

Part 3: Key Financial Terminology Explained (Good vs. Bad)

Understanding these terms empowers you to make better financial decisions:

Term	Explanation	What’s “Good” / “Bad”
Accounts Receivable (AR)	The total amount of money owed to your business by customers for goods or services delivered on credit. It’s essentially your uncollected revenue.	Good: Low AR relative to sales, or quickly collected AR. Bad: High AR, especially if a large portion is old, indicates cash is stuck.
90+ Days Overdue Debt	The portion of your Accounts Receivable that has not been paid for over 90 days past the agreed-upon due date. This is considered “aged” debt and carries significantly higher risk.	Good: As close to R0 as possible. Less than 5% of total AR. Bad: A high amount indicates a serious cash flow problem and imminent risk of write-offs.
Cost of Inaction (COI)	The quantifiable financial loss incurred by a business for delaying action on overdue debt. This includes both the direct opportunity cost (lost interest) and the indirect cost of value erosion (debt becoming harder to collect over time).	Good: Low COI (meaning you act fast). Bad: High COI, indicating that every day of delay costs your business substantial money.
Commission Rate (%)	The percentage fee charged by a debt collection agency, typically calculated on the amount successfully recovered. Kredcor operates on a “No Win, No Fee” basis for most commercial collections.	Good: A fair percentage that allows for professional, effective recovery. Bad: Worrying about commission while losing 100% of the principal to inaction.
Net Projected Cash Injection	The estimated amount of actual cash that will be returned to your business after all collection costs (including Kredcor’s success fee) have been deducted. This is your tangible financial gain from acting.	Good: A high net injection indicates a significant return on your decision to engage professional recovery. Bad: A low (or zero) net injection means the debt is highly aged or unrecoverable without significant legal action.
Recovery Probability	The statistical likelihood that a specific amount of debt will be successfully collected. This probability decreases drastically as debt ages.	Good: Higher probability (above 70%) means quicker, easier recovery. Bad: Low probability (below 50%) means the debt requires aggressive, expert intervention.
Risk Heat Map	A visual representation of the general risk level associated with collecting debt within a specific industry sector in the current economic environment.	Good: Operating in “Low” to “Medium” risk sectors. Bad: High or Critical risk indicates systemic challenges within an industry, requiring proactive debt management.

---

Part 4: South African Industry Benchmarks (Average 90+ Day Debt as % of AR)

Compare your business against these typical figures to see how you stack up. Note that these are generalized averages and can vary.

Industry Sector	Typical 90+ Day Debt (% of Total AR)	General Risk Level (Kredcor Assessment)
Medical / Healthcare	5% – 10%	Low
Professional Services	10% – 15%	Medium
Wholesale / Distribution	15% – 20%	Medium
Manufacturing	15% – 20%	Medium
SME Retail / Hospitality	20% – 30%	Critical
Construction / Engineering	25% – 40%	High
Logistics / Transport	20% – 25%	High
IT / Tech Services	10% – 15%	Medium

Source: Kredcor internal data and industry reports on SA B2B credit trends.

---

Part 5: How Kredcor Translates Data into Action

Our B2B Debt Recovery ROI Analyzer provides you with critical insights, but Kredcor’s expertise turns those insights into recovered cash.

When you engage Kredcor, we don’t just chase payments; we implement a strategic recovery plan:

1. Rapid Intervention: Immediate contact with debtors to assess their payment intent and financial position, leveraging our legal and administrative infrastructure.
2. Strategic Negotiation: Our expert negotiators are trained to secure payment agreements, structured payment plans, or dispute resolution, always aiming for the highest possible recovery for you.
3. Legal Escalation (If Necessary): For stubborn or high-risk debtors, we have a robust legal team ready to initiate summons, judgments, and asset attachments to enforce payment.
4. Market Intelligence: We constantly monitor sector-specific risks and debtor behavior in the SA market, allowing us to adapt strategies for optimal results.
5. Transparent Reporting: You get regular updates on your debt’s status, ensuring you’re always informed about the progress of your recovery.

 

---

1. The “In Duplum” Rule: The Statutory “Cap”

In Duplum is Latin for “double the amount.” It is a long-standing principle in South African law designed to protect debtors from being crushed by runaway interest.

• The Rule: Unpaid interest can never exceed the outstanding capital amount.
• How it works: If a client owes you R100,000, interest can accrue until the total debt reaches R200,000. Once the interest hits the R100,000 mark (matching the capital), it must legally stop.
• The “Reset”: If the debtor makes a payment of R10,000, bringing the interest down to R90,000, interest starts running again until it hits the R100,000 “cap” once more.

Pro Tip: This is why our “Cost of Inaction” calculator is so vital. You want to recover the debt before it hits this cap, otherwise, the debtor is essentially getting an interest-free loan from you!

2. The National Credit Act (NCA) vs. Common Law

This is where many businesses get confused. The rules change depending on who the debtor is.

Feature	Common Law In Duplum (Business-to-Business)	Statutory In Duplum / NCA (Individuals & Small Juristic Persons)
Applies To	Large companies (Assets/Turnover > R1m)	Individuals and small businesses (Assets/Turnover < R1m)
What is Capped?	Only Interest is capped.	Everything is capped: Interest, initiation fees, admin fees, and collection costs.
Litigation	In common law, interest often “starts again” once a summons is issued.	Under the NCA, the cap remains strict even during litigation (mostly).

---

Part 6: Frequently Asked Questions (FAQ)

Q: How accurate are the “Cost of Inaction” and “Net Projected Cash Injection” figures?

A: Our calculations are based on industry-standard formulas, current South African Prime interest rates, and Kredcor’s extensive experience in commercial debt recovery. While projections are estimates, they provide a highly realistic assessment of your financial exposure and recovery potential.

Q: What if my industry isn’t listed in the “Sector Risk Level” dropdown?

A: Choose the option that most closely aligns with the general payment behavior and risk profile of businesses within your sector. The calculator will still provide valuable insights based on your specific debt figures.

Q: Why is 90+ day debt so critical?

A: Statistically, debt older than 90 days has a drastically lower probability of full recovery. The longer debt remains outstanding, the more likely the debtor faces financial distress or simply prioritizes other creditors. Proactive action is crucial to maximize recovery.

Q: Is Kredcor’s commission payable upfront?

A: No. For most commercial debt collections, Kredcor operates on a “No Win, No Fee” basis. Our commission is only payable on the amounts we successfully recover for you.

Specific Regulatiry FAQ’s:

1. What is the “In Duplum” rule and how does it affect my debt?

In South Africa, the In Duplum rule is a legal principle that stops interest from running once the total amount of unpaid interest equals the original capital amount.

• The Impact: If a debtor owes you R50,000, they can legally never owe more than R50,000 in interest, meaning the total debt caps at R100,000.
• The Risk: If you wait too long to collect, the interest stops growing, but your administrative and opportunity costs continue. Essentially, the debtor gets an interest-free loan at your expense once the cap is reached.

2. Can I charge interest if it isn’t in my contract?

Yes. Under the Prescribed Rate of Interest Act, you are entitled to “Mora Interest” (default interest) if a payment is overdue.

• The Current Rate: As of March 2026, the prescribed rate is 10.25% per annum (calculated as the Repo Rate of 6.75% + 3.5%).
• When it starts: Interest usually begins the day after the payment due date or once a formal Letter of Demand has been issued.

3. Does the National Credit Act (NCA) apply to B2B debt?

It depends on the size of the debtor’s business.

• Large Businesses: If the company owing you money has an annual turnover or asset value above R1 million, the NCA generally does not apply. This gives you more flexibility in recovery.
• Small Businesses/Individuals: If the turnover is below R1 million, the NCA provides them with strict protections regarding how much interest and collection fees can be charged. Kredcor’s systems are fully compliant with these nuances to ensure your recovery is legally sound.

4. What is the “Prescription” period in South Africa?

In most commercial cases, debt “prescribes” (becomes legally uncollectable) after three years from the date the debt became due.

• Critical Warning: If you do not formally demand payment or initiate legal action within those three years, the debt could vanish forever. Our ROI Analyzer highlights the “Cost of Inaction” to help you avoid this “Silent Killer” of cash flow.

---

Since the Repo Rate changed recently (it was 11.75% in 2024 and is now 10.25% in 2026), you might ask why the calculator is so specific. The short answer is:

“Our Intelligence Suite isn’t a static toy—it’s synced with the current South African Reserve Bank rates. When the Repo Rate moves, our ‘Cost of Inaction’ logic moves with it. You’re getting real-time financial forensic data, not a rough estimate.”

Don’t Let Your Cash Flow Bleed.

You’ve seen the numbers. Every day of inaction costs your business real money. It’s time to turn potential losses into actual recovered revenue.

STOP THE LOSSES – CONTACT KREDCOR NOW!

Or download your full audit report to share with your team.