💳 This Customer's Numbers
Enter what you ship for one shipper customer and how they actually pay. The total open receivables field is optional and only used to estimate how concentrated your risk is in this single customer.
Planning estimate only. This calculator provides planning estimates only. It is not credit, financial, or legal advice and does not assess actual creditworthiness. Open exposure is modeled from average load value, weekly volume, and days outstanding, not from your actual aged receivables ledger. Real exposure depends on the specific invoices outstanding, disputed amounts, partial payments, and any deductions. Confirm against your own accounting and aging records before extending credit, setting limits, or pausing a customer.
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Frequently Asked Questions
What is credit exposure for a freight broker?
Credit exposure is the dollar amount you have hauled and invoiced but not yet been paid for by a customer at a given moment. If that customer fails to pay, that open amount is what you stand to lose.
How is this different from the DSO Calculator?
DSO measures, across your whole brokerage, how many days on average it takes to get paid. This tool sizes the money at risk with one specific customer right now and compares it against the credit limit you set for them.
Why use days outstanding instead of payment terms?
Terms are the agreement; days outstanding is reality. A customer on Net 30 who actually pays in 45 days carries more open exposure than the terms imply, so the tool shows both.
What is a healthy credit utilization?
Many brokers get cautious as a customer's open balance approaches the credit limit they assigned. Over 100 percent means you are extending more than you decided to risk and should review the limit or slow new loads.
Watching credit exposure across every customer?
Broker Command tracks open receivables, credit limits, days outstanding, and concentration risk per customer in one dashboard. Free to calculate. Pro to save.
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