NetTerms Studio — Free Interactive In-Browser Studio
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Quick Reference & Frequently Asked Questions
How do you calculate the annualized interest rate (APR) of 2/10 Net 30 payment terms?
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).
When is it cheaper to use a business line of credit instead of offering 2/10 Net 30?
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.
How do invoice factoring advance rates and reserve holdbacks work?
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.
How do I protect my wholesale margin when a big-box retailer demands Net 60 or Net 90 terms?
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.