Cost of Float
A running total of what the wait costs, updated every second — not a surprise at the end of a spreadsheet.
Delayed payments can cost you. Stub prevents that.
By scanning one invoice, Stub can identify hidden costs of your payment terms and negotiate that money back.
Files stay in this browser session.
What we give you:
Negotiate Terms
Turns the difference into a short, plain-English message you can copy and send.
Customer ranking
Scan more than one invoice and see which customers keep your cash the longest.
Estimates are for informational purposes, and do not constitute financial or legal advice.
Step 1 · Invoice intake
Start with one invoice.
Upload an image or PDF. Stub pulls out the amount, payment terms, due date, and customer — then you confirm every field before any math runs.
No invoice handy?
Your data is private.
Reading your invoice
Pulling out the amount, terms, and dates…
- Reading the invoice
- Matching payment terms
- Preparing your review
Step 2 · Confirm the facts
Check what we found.
Correct anything that looks off. The math uses only the fields you confirm here.
STEP 3 · YOUR COST ESTIMATE
See what waiting for payment may cost.
Your invoice amount is what you are owed. Your estimated cost of float shows what the time spent waiting could cost at your selected annual rate. Keeping them separate helps you understand the difference between the money due to you and the estimated cost of waiting for it..
Exact
Cash tied up
$48,000.00
$48,000.00 is tied up with Ridgeline Fabrication for 75 days after each invoice.
Principal due Oct 28, 2026. This is not an estimate.
Estimate
Cost of float
$936.99
Cost of float is what the wait costs you. At the 9.5% national average cost of capital — a standard estimate of what cash could earn — 75 days of delay comes to this estimate.
Change this to your own rate. 9.5% is the starting default.
A national average, not your actual rate — and not a guaranteed saving.
Float Clock · live
Timer starts from zero on this screen
Every second has a price.
Know what you are owed, understand what waiting may cost, and identify opportunities to manage your money more strategically. Get the clarity to move forward with confidence.
$0.000000
≈ $0.52 per hour
Step 4 · Negotiate
Change one number.
Move the proposed terms and watch two outcomes update instantly: the estimated financing cost avoided per invoice, and what that change could be worth over a year.
Where do these numbers come from?
Stub estimates savings using your selected 9.5% annual financing rate.
Cost avoided per invoice: Invoice amount × rate × days saved ÷ 365.
Estimated annual savings: Cost avoided per invoice × 12 similar invoices.
These estimates depend on your financing costs and actual payment timing.
Step 5 · The ask
Turn the number into a conversation.
A short, plain-English draft using the numbers you just confirmed. Copy it, make it yours, and send it.
CustomerRidgeline Fabrication
FromNet 75
ToNet 30
Annual impact$6,746.30
Draft only. Not legal or contract advice. Stub does not chase payment or send this for you.
Draft message
Read-only
Session view · 4 invoices
Who’s using your cash?
Grouped across every invoice in this session. This is the cross-customer view a single invoice can’t show you.
Customers3
Invoices scanned4
Estimated float cost$2,050.83
One invoice isn’t a pattern yet.
Scan a second customer’s invoice to see where your money is actually going. Or load the demo set to see a complete ranking.
Ranked by estimated cost of float — what each customer’s delays cost at a 9.5% benchmark, not by invoice size alone. The cash tied up is exact; this ranking is an estimate.
Reading issue
We couldn’t read that invoice.
No file was saved. Nothing left your browser.