Calculate implied annualized APR on early-payment terms (2/10 Net 30 = 36.73% APR), invoice factoring holdback costs, and working capital float drag 100% locally in your browser. Replace $99/mo B2B AR apps with a $19 lifetime studio.
Instant 50ms preview directly in your browser. Zero server queues, zero data leaks.
Drop Local File Here or Click to Browse
Supports CSV, JSON, TXT, XML & Log Streams
=SUMIFS(b2b_gross, SKU, A2) - VLOOKUP(A2, b2b_fees!A:D, 4, FALSE)⚠️ Why Manual Formulas Fail at Scale: Manual spreadsheet formulas break on multi-row B2B net adjustments, tiered fees, and CSV delimiter shifts.
🛡️ Zero-Upload Local Studio Advantage: Run B2B Net calculations and CSV checks 100% locally in your browser.
Core capabilities built into NetTerms Studio
Giving a buyer 2% off to pay in 10 days instead of 30 days means paying 2.04% for just 20 days of accelerated cash. Compare that directly against your bank line of credit.
Calculate exact Day-1 advance cash, monthly factoring fee tiers, wire/ACH charges, and net reserve release on every wholesale invoice.
When retail chains demand Net 60 or Net 90 terms and pay 15 days late (DSO = 75–105 days), your capital cost can wipe out 4% to 7% of gross margin.
B2B financing platforms want read access to your QuickBooks, ERP, and buyer invoices. Run all payment-term simulations locally in your browser.
Zero configuration, zero cloud server dependencies, instant execution.
Paste your wholesale invoice amounts, baseline gross margin, Net 30/60/90 days, early discount terms (e.g. 2/10), or factoring fee rates.
Instantly calculate effective annualized discount APR, credit-line float interest drag, factoring advance cash, and true post-term net margin.
See side-by-side whether offering 2/10 Net 30, factoring the invoice, or carrying the float on a line of credit leaves more net profit dollars.
See why merchants and prosumers switch from monthly subscriptions to our local buyout.
| Feature / Metric | 🛡️ NetTerms Studio | ☁️ Cloud SaaS (ResolvePay) |
|---|---|---|
| 2/10 Net 30 & Custom Early-Discount Implied APR Solver | 🛡️ 100% Local Browser RAM | ☁️ Cloud SaaS Upload |
| Invoice Factoring Advance, Holdback & Fee Reconciler | 🛡️ 100% Local Browser RAM | ☁️ Cloud SaaS Upload |
| DSO Late-Payment Working Capital Float Stress-Test | 🛡️ 100% Local Browser RAM | ☁️ Cloud SaaS Upload |
| Buyer Identity & Wholesale Pricing Confidentiality | 🛡️ 100% Local Browser RAM | ☁️ Cloud SaaS Upload |
Eliminate vendor lock-in and cloud upload security risks.
Why pay recurring monthly SaaS fees for B2B net workflows? Switch to NetTerms Studio for a single $19 buyout.
ResolvePay syncs your data to remote servers. We process 100% locally on your machine.
Process multi-row B2B net files instantly without broken VLOOKUP/SUMIFS formulas.
Deep technical breakdown driving our client-side productivity engine.
Processes NetTerms Studio structures directly inside isolated browser memory.
Ensures zero NetTerms Studio bytes touch external API servers or third-party storage.
Parses high-throughput NetTerms Studio records in real-time with sub-50ms response times.
Complete commercial data sovereignty with standalone offline capability.
No monthly bills. No sneaky price hikes. Pay once, use forever.
Live Local Studio Preview
Prosumer & Solo Professional
One-Off Emergency Unlock & Trial
Everything you need to know about privacy, local memory execution, and buyouts.
Under 2/10 Net 30, the buyer gets a 2% discount for paying 20 days early (Day 10 instead of Day 30). The formula is (0.02 / (1 - 0.02)) * (365 / (30 - 10)) = 0.020408 * 18.25 = 37.24% simple annualized APR (or 36.73% on a 360-day banking basis).
Almost always, if you have access to a traditional bank or SBA line of credit under 18% APR. Paying 12% to 15% APR for 20 days of float costs roughly 0.65% to 0.82% of the invoice value—saving you more than half the cost of a 2% early-payment discount.
When you factor a $50,000 Net 60 invoice at an 85% advance rate and a 2.5% fee, the factor wires you $42,500 on Day 1 and holds $7,500 (15%) in reserve. Once your buyer pays the invoice in full on Day 60, the factor deducts their $1,250 fee and releases the remaining $6,250 to you.
Use our Wholesale Term Gross-Up mode to bake the expected DSO float cost or factoring fee into your quoted wholesale unit price before signing the vendor agreement.
No. NetTerms Studio runs 100% locally in your browser. Your wholesale buyer names, invoice amounts, and gross margins never leave your computer.
Unlocking the €3.99 24h Pass or $19 Lifetime Pro Workstation removes the 70% preview cap and unlocks unlimited multi-invoice CSV batch reconciliation, wholesale price gross-up schedules, and downloadable CFO trade-credit audit reports.