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Quality of receivables and payables
Describes Fynease as of September 2026
Analysis, Receivables & Payables reads each company's AR and AP aging and turns it into a view of how collectible the receivables are and how the company is paying its suppliers. The aging comes from QuickBooks Online or an imported aging file.
Receivables
- An AR quality score, with how it is computed one click away.
- Total AR, the current share, the share 30 days and older, and DSO.
- Invoice-weighted age (days since issue) and invoice-weighted past due (days past the due date), compared with terms.
- Concentration: the top five customers' share of receivables.
- Credit utilization, when customers carry credit limits.
- Aging buckets: current, under a month, one, two and three months, and older.
Payables
Total AP, DPO, payment against terms, the share overdue by more than 30 days, the top five suppliers' share, a cash conversion strip, and how the overdue share is drifting.
How DSO and DPO are calculated
- The balance is the aging at or before the month you are viewing, never a later one, net of credits.
- It is divided by revenue (for DSO) or purchases (for DPO) over the trailing complete months: three months, or twelve on the trailing-twelve-month view. The window is printed beside each figure.
- Days inventory uses the same window: inventory at the month you are viewing, found by its chart-of-accounts classification, over cost of sales. The KPI library's receivable, payable and inventory days use the same figures.
- Receivables and payables include sales tax, while revenue and purchases do not. This is deliberate: it is how a lender or investor would work DSO out from the statements, so the figure can be checked against them.
- Purchases are built from cost of sales, inventory movement, operating costs and capital spending. Where one part cannot be measured, DPO says what it used instead.
- An implausible trend point is withheld and counted, not drawn.
Credits and invoice detail
Unapplied credits are netted against the oldest invoices before ages are weighted, and the netted share is shown. When a large share of the balance is netted, the figure is marked as less reliable and the fix, applying the payments in QuickBooks, is named. Invoice-weighted measures need invoice-level aging; with a summary aging, such as some imported files, they are hidden rather than estimated.
Working capital days
The working capital exhibit, in Analysis and report packages, shows DSO, days inventory, DPO and the cash conversion cycle. Any term that cannot be measured is shown as withheld, with the reason.
Tying to the balance sheet
In the Close Workbench, the AR and AP accounts are compared with their agings. An account that agrees with its aging signs itself off. An aging from an earlier month is marked stale and never signs itself off.
For a group
On a consolidated view, each member's receivables and payables are translated at the closing rate and combined by customer or supplier name.
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