When should you chase an overdue invoice?
A simple, calm timeline for following up — from a friendly pre-due nudge to a firm final notice — so nothing slips and nobody is surprised.
29.1 days
average time UK small businesses waited to be paid, Apr–Jun 2024 (Xero)
There is no single correct schedule for chasing payment — it depends on your customers, sector, and terms. But a consistent, escalating rhythm removes guesswork and keeps every reminder proportionate.
A calm, escalating timeline
- Before the due date: a friendly reminder that payment is coming up.
- On the due date: a polite payment note with the invoice details and a payment link.
- 3–7 days late: a professional follow-up confirming the invoice is now overdue.
- 14+ days late: a firmer reminder that sets a clear expectation.
- 30+ days late: a final notice, referencing next steps or escalation.
Xero UK Small Business Insights found that, between April and June 2024, small businesses waited 29.1 days on average to be paid and payments arrived 7.3 days late — so an invoice reaching the two-week mark is common, not catastrophic. A steady sequence keeps you ahead of it.
This is general guidance, not legal or financial advice. Adjust timings to your own terms and always check the agreement with your customer.
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