How much is slow payment costing you?

Most contractors are owed thousands in unpaid invoices right now. This calculator shows you exactly what that's costing your business — and what changes when you get paid in 1-2 days.

Your Current Situation
Add up everything customers owe you today
$
From invoice sent to money in your account
days
Truck, insurance, tools, gas, phone, materials — everything
$
Typical invoice amount per job
$
How many jobs you complete in a typical month
jobs
The Cost of Waiting
Money Stuck in Unpaid Invoices
$0
Cash you've earned but can't use
What Slow Payment Costs You
$0
Lost opportunity + carrying cost per month
Annual Cost of Slow Payment
$0
Money you're leaving on the table every year
Cash Freed with Instant Payments
$0
0 days faster
Your Monthly Savings
$0
Back in your pocket, every month
Your Payment Timeline: Now vs. The Level

How long your money sits in limbo before you can use it:

Current: Invoice → Wait → Wait → Eventually get paid
43 days waiting
Paid
With The Level: Invoice with Pay Now → Paid in 1-2 days
1-2d
Money in your account
Side by Side

Without The Level

Unpaid invoices$0
Avg wait for payment0 days
Monthly cost$0
Annual cost$0

With The Level

Unpaid invoices$0
Avg wait for payment1-2 days
Monthly cost$0
Annual cost$0
Why Cash Flow Kills More Contractors Than Bad Work
70% of contractors experience payment delays over 30 days. That's money you earned sitting in someone else's pocket while you're paying for gas, insurance, and materials out of yours.
The average contractor waits 83 days to get paid. That's nearly 3 months of floating your customer's bill. Would your bank let you skip 3 mortgage payments?
Late payments force 1 in 5 small contractors to take on debt. Credit card interest, lines of credit, personal loans — all because a customer "forgot" to mail a check.
The fix is simple: make it easy to pay. When you send an invoice with a "Pay Now" button that accepts card, ACH, and Apple Pay, customers pay in minutes instead of weeks. The friction was never about willingness — it was about convenience.