Shows how the company, on an average, is
handling their
accounts payables vs. terms of payment.
Is showned on a scale from 80 to 20
 | 80= the company pays on due date |
| 20=the company pays >120 days after due date |
Explanations to abbrevations:
| Antic = |
| Disc = |
| Ppt = |
| Ppt-Slow 15 = |
Step 1: First is the total credit limit added together:
| Payment pattern: | Amount: |
| PPT | 20,000 |
| Slow to 15 | 50,000 |
| Slow to 30 | 10,000 |
| PPT | 20,000 |
| 100,000 |
Step 2: Every amount is calculated in procentage of the total limit.
| Payment pattern: | Amount: | Procentage (%) |
| PPT | 20,000 | 20 |
| Slow to 15 | 50,000 | 50 |
| Slow to 30 | 10,000 | 10 |
| PPT | 20,000 | 20 |
| 100,000 | 100 |
Step 3: An estimated factor is calculated based on when the invoice is
paid.
| Payment Pattern | Factor | Factor | Mode of Payment |
| PPT | 80 | >80 | Anticipated |
| Slow to 15 | 70 | 80 | Due date |
| Slow to 30 | 60 | 70 | 0-15 days late |
| PPT | 80 | 60 | 15-30 days late |
| 50 | 30-60 days late | ||
| 40 | 60-90 days late | ||
| 30 | 90-120 days late | ||
| 20 | >120 days late |
Step 4: Each factor is multiplied with the procentage of the total limit.
Points are added to get the company’s Payment Score.
| Payment pattern: | Procentage | Factor | Point |
| PPT | 20 | 80 | 16 |
| Slow to 15 | 50 | 70 | 35 |
| Slow to 30 | 10 | 50 | 5 |
| PPT | 20 | 80 | 16 |
| 100 | (280) | 72 |
