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Maxime joined Spendesk in 2021 and has grown steadily through the ranks since, becoming our resident finance engineer.","text","maxime-reding","blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],[111,112,113],{"path":103,"name":25,"lang":36,"published":25},{"path":103,"name":25,"lang":38,"published":25},{"path":103,"name":25,"lang":40,"published":25},[115],{"name":116,"created_at":117,"published_at":118,"updated_at":119,"id":120,"uuid":121,"content":122,"slug":132,"full_slug":133,"sort_by_date":25,"position":134,"tag_list":135,"is_startpage":28,"parent_id":136,"meta_data":25,"group_id":137,"first_published_at":138,"release_id":25,"lang":32,"path":25,"alternates":139,"default_full_slug":133,"translated_slugs":140,"_stopResolving":41},"Finance strategy","2022-10-19T17:57:50.961Z","2026-09-29T09:13:54.941Z","2026-09-29T09:13:54.957Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"seo":123,"_uid":131,"name":116,"component":22},[124],{"_uid":125,"noIndex":28,"component":126,"metaFields":127},"a850324e-c837-4a13-8f8f-4fbe4fd15397","seo",{"_uid":128,"plugin":129,"description":130},"e114f30f-fa13-4ca9-8e17-57f0f612f8ec","meta-fields","Long-term thinking on finance strategy: budgeting, forecasting, and the frameworks finance leaders use to plan for growth.","11f616ce-9f54-42bb-967c-fdb960b62cef","finance-strategy","blog/topic/finance-strategy",-100,[],176456153,"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[141,142,143],{"path":133,"name":25,"lang":36,"published":25},{"path":133,"name":25,"lang":38,"published":25},{"path":133,"name":25,"lang":40,"published":25},{"type":92,"attrs":145,"content":146},{"backgroundColor":25},[147,152,158,164,171,215,220,226,242,247,252,276,281,368,371,385,391,397,403,408,414,432,438,452,458,464,469,483,489,507,512,518,608,614,628,633,639,644,650,655,661,666,672,677,683],{"type":95,"attrs":148,"content":149},{"textAlign":25,"key":97},[150],{"text":151,"type":101},"An invoice that waits twelve days in someone’s inbox before your team keys it in and matches it, then approves it, moves your cash position as surely as a customer who pays twelve days late. ",{"type":95,"attrs":153,"content":155},{"textAlign":25,"key":154},"p-1",[156],{"text":157,"type":101},"Many small and mid-sized finance teams track the second closely and the first far less often. This guide shows UK and EU finance teams how to calculate accounts payable days, or days payable outstanding (DPO), with a worked £ example and interpret the result against supplier terms and cash needs.",{"type":95,"attrs":159,"content":161},{"textAlign":25,"key":160},"p-2",[162],{"text":163,"type":101},"Accounts payable days measure the average number of days your business takes to pay its suppliers after their invoices arrive.",{"type":165,"attrs":166,"content":168},"heading",{"level":167,"textAlign":25},2,[169],{"text":170,"type":101},"Key takeaways",{"type":172,"content":173},"bullet_list",[174,183,191,199,207],{"type":175,"content":176},"list_item",[177],{"type":95,"attrs":178,"content":180},{"textAlign":25,"key":179},"p-3",[181],{"text":182,"type":101},"Accounts payable days (DPO) measure how long, on average, your business holds supplier invoices before paying them.",{"type":175,"content":184},[185],{"type":95,"attrs":186,"content":188},{"textAlign":25,"key":187},"p-4",[189],{"text":190,"type":101},"Divide trade payables by cost of goods sold and multiply by 365, or divide 365 by your accounts payable turnover ratio.",{"type":175,"content":192},[193],{"type":95,"attrs":194,"content":196},{"textAlign":25,"key":195},"p-5",[197],{"text":198,"type":101},"Use the average of opening and closing payables when the balance moved during the period; you may misread payment timing if you rely on a period-end figure.",{"type":175,"content":200},[201],{"type":95,"attrs":202,"content":204},{"textAlign":25,"key":203},"p-6",[205],{"text":206,"type":101},"Read the result against your own supplier terms, since you’re usually seeing process delay rather than efficiency when the figure is well above them.",{"type":175,"content":208},[209],{"type":95,"attrs":210,"content":212},{"textAlign":25,"key":211},"p-7",[213],{"text":214,"type":101},"A longer payables period shortens the cash conversion cycle, but your team may pay later while awaiting approval or resolving matching exceptions, or because of payment-run timing, without deliberately extending terms.",{"type":165,"attrs":216,"content":217},{"level":167,"textAlign":25},[218],{"text":219,"type":101},"What are accounts payable days?",{"type":95,"attrs":221,"content":223},{"textAlign":25,"key":222},"p-8",[224],{"text":225,"type":101},"You use accounts payable days to measure how long you keep supplier cash in your business before releasing it. Accounts payable (AP) is the balance of supplier invoices you have received but not yet paid, and it is classified as a current liability. Days payable outstanding (DPO) is the same measure; ACCA calls it the payables payment period.",{"type":95,"attrs":227,"content":229},{"textAlign":25,"key":228},"p-9",[230,232,240],{"text":231,"type":101},"Supplier credit is working capital you don’t pay interest on. Every day a supplier waits is a day that cash stays in your account, available for payroll or stock. It can also cover the overdraft. Businesses generally prefer more payables days, unless they lose settlement discounts or supplier goodwill, as ACCA explains in ",{"text":233,"type":101,"marks":234},"ACCA’s working-capital guidance",[235],{"type":236,"attrs":237},"link",{"href":238,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.accaglobal.com/gb/en/student/exam-support-resources/fundamentals-exams-study-resources/f9/technical-articles/wcm.html","_blank",{"text":241,"type":101},".",{"type":165,"attrs":243,"content":244},{"level":167,"textAlign":25},[245],{"text":246,"type":101},"How to calculate accounts payable days (with a worked example)",{"type":95,"attrs":248,"content":249},{"textAlign":25,"key":97},[250],{"text":251,"type":101},"Divide your trade payables by your cost of goods sold, then multiply by 365; use average payables when the balance moved during the period.",{"type":172,"content":253},[254,269],{"type":175,"content":255},[256],{"type":95,"attrs":257,"content":258},{"textAlign":25,"key":154},[259,261,267],{"text":260,"type":101},"Cost of goods sold (COGS), called cost of sales in UK accounts, is the practical denominator. Credit purchases are purer, and ",{"text":262,"type":101,"marks":263},"ACCA’s ratio guidance",[264],{"type":236,"attrs":265},{"href":266,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.accaglobal.com/gb/en/student/exam-support-resources/fundamentals-exams-study-resources/f2/technical-articles/ratio-analysis.html",{"text":268,"type":101}," accepts cost of sales when purchases aren’t available.",{"type":175,"content":270},[271],{"type":95,"attrs":272,"content":273},{"textAlign":25,"key":160},[274],{"text":275,"type":101},"The numerator should be trade payables only: supplier invoices on credit. VAT owed, payroll accruals, intercompany balances, and bank borrowing sit under separate headings in UK accounts and belong elsewhere.",{"type":95,"attrs":277,"content":278},{"textAlign":25,"key":179},[279],{"text":280,"type":101},"Say your year shows opening trade payables of £140,000 and closing trade payables of £220,000. COGS are £1,460,000. Average payables are (£140,000 + £220,000) ÷ 2 = £180,000. The two methods then run as follows:",{"type":282,"content":283},"table",[284,313,340],{"type":285,"content":286},"tableRow",[287,297,305],{"type":288,"attrs":289,"content":291},"tableHeader",{"colspan":290,"rowspan":290,"colwidth":25},1,[292],{"type":95,"attrs":293,"content":294},{"textAlign":25,"key":187},[295],{"text":296,"type":101},"Method",{"type":288,"attrs":298,"content":299},{"colspan":290,"rowspan":290,"colwidth":25},[300],{"type":95,"attrs":301,"content":302},{"textAlign":25,"key":195},[303],{"text":304,"type":101},"Calculation",{"type":288,"attrs":306,"content":307},{"colspan":290,"rowspan":290,"colwidth":25},[308],{"type":95,"attrs":309,"content":310},{"textAlign":25,"key":203},[311],{"text":312,"type":101},"Result",{"type":285,"content":314},[315,324,332],{"type":316,"attrs":317,"content":318},"tableCell",{"colspan":290,"rowspan":290,"colwidth":25,"backgroundColor":25},[319],{"type":95,"attrs":320,"content":321},{"textAlign":25,"key":211},[322],{"text":323,"type":101},"Average AP ÷ COGS × 365",{"type":316,"attrs":325,"content":326},{"colspan":290,"rowspan":290,"colwidth":25,"backgroundColor":25},[327],{"type":95,"attrs":328,"content":329},{"textAlign":25,"key":222},[330],{"text":331,"type":101},"£180,000 ÷ £1,460,000 × 365",{"type":316,"attrs":333,"content":334},{"colspan":290,"rowspan":290,"colwidth":25,"backgroundColor":25},[335],{"type":95,"attrs":336,"content":337},{"textAlign":25,"key":228},[338],{"text":339,"type":101},"45 days",{"type":285,"content":341},[342,351,360],{"type":316,"attrs":343,"content":344},{"colspan":290,"rowspan":290,"colwidth":25,"backgroundColor":25},[345],{"type":95,"attrs":346,"content":348},{"textAlign":25,"key":347},"p-10",[349],{"text":350,"type":101},"365 ÷ AP turnover",{"type":316,"attrs":352,"content":353},{"colspan":290,"rowspan":290,"colwidth":25,"backgroundColor":25},[354],{"type":95,"attrs":355,"content":357},{"textAlign":25,"key":356},"p-11",[358],{"text":359,"type":101},"365 ÷ (£1,460,000 ÷ £180,000, or 8.1 times)",{"type":316,"attrs":361,"content":362},{"colspan":290,"rowspan":290,"colwidth":25,"backgroundColor":25},[363],{"type":95,"attrs":364,"content":366},{"textAlign":25,"key":365},"p-12",[367],{"text":339,"type":101},{"type":95,"attrs":369},{"textAlign":25,"key":370},"p-13",{"type":95,"attrs":372,"content":374},{"textAlign":25,"key":373},"p-14",[375,377,383],{"text":376,"type":101},"Both routes land on the same answer because they’re the same ratio inverted. The AP KPIs guide covers the turnover ratio and ",{"text":378,"type":101,"marks":379},"AP ageing reports",[380],{"type":236,"attrs":381},{"href":382,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.spendesk.com/blog/how-to-prepare-accounts-payable-ageing-report/",{"text":384,"type":101}," in their own right.",{"type":165,"attrs":386,"content":388},{"level":387,"textAlign":25},3,[389],{"text":390,"type":101},"Average versus period-end payables",{"type":95,"attrs":392,"content":394},{"textAlign":25,"key":393},"p-15",[395],{"text":396,"type":101},"Averaging opening and closing payables gives a truer reading when the balance moved during the period; the period-end figure is a snapshot of exposure on one date. On closing payables alone, DPO becomes £220,000 ÷ £1,460,000 × 365 = 55 days, ten days longer with nothing changed in how you pay.",{"type":95,"attrs":398,"content":400},{"textAlign":25,"key":399},"p-16",[401],{"text":402,"type":101},"Period-end balances distort in predictable ways. A large stock purchase close to year end inflates payables and lengthens the period. A seasonal business shows a low balance at a quiet year end, so averaging monthly balances across the year gives a steadier reading.",{"type":165,"attrs":404,"content":405},{"level":167,"textAlign":25},[406],{"text":407,"type":101},"How to read your result: is a high or low DPO better?",{"type":95,"attrs":409,"content":411},{"textAlign":25,"key":410},"p-17",[412],{"text":413,"type":101},"Neither a high nor a low DPO is good on its own; read it against the terms you’ve agreed with suppliers.",{"type":172,"content":415},[416,424],{"type":175,"content":417},[418],{"type":95,"attrs":419,"content":421},{"textAlign":25,"key":420},"p-18",[422],{"text":423,"type":101},"If most of your suppliers give you 30 days and your DPO is 45, you’re paying about two weeks late on average, or a few large invoices are badly overdue.",{"type":175,"content":425},[426],{"type":95,"attrs":427,"content":429},{"textAlign":25,"key":428},"p-19",[430],{"text":431,"type":101},"If they give you 60 days and you’re at 45, you’re handing back a fortnight of interest-free credit that you negotiated for.",{"type":95,"attrs":433,"content":435},{"textAlign":25,"key":434},"p-20",[436],{"text":437,"type":101},"The useful question is whether the number sits near your weighted terms, and whether it’s drifting.",{"type":95,"attrs":439,"content":441},{"textAlign":25,"key":440},"p-21",[442,444,450],{"text":443,"type":101},"In ",{"text":445,"type":101,"marks":446},"Intrum’s European Payment Report 2026",[447],{"type":236,"attrs":448},{"href":449,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.intrum.com/insights/publications/epr-2026/",{"text":451,"type":101},", Intrum surveyed 8,385 executives across 20 European countries and found that B2B customers are given 43 days to pay but pay after 63.",{"type":95,"attrs":453,"content":455},{"textAlign":25,"key":454},"p-22",[456],{"text":457,"type":101},"Suppliers set a ceiling on how far DPO can stretch. ACCA warns that delaying payment can damage reputation and that suppliers may respond by demanding cash on delivery, and some may raise prices .",{"type":95,"attrs":459,"content":461},{"textAlign":25,"key":460},"p-23",[462],{"text":463,"type":101},"Lenders and suppliers may also question your financial health when your DPO climbs past agreed terms; BDO notes this risk when businesses pay late. Proposed UK legislation could, if enacted, limit how far terms can be extended. Agreed terms work best as both the ceiling and the target.",{"type":165,"attrs":465,"content":466},{"level":167,"textAlign":25},[467],{"text":468,"type":101},"How AP days fit the cash conversion cycle with DSO and DIO",{"type":95,"attrs":470,"content":472},{"textAlign":25,"key":471},"p-24",[473,475,481],{"text":474,"type":101},"Accounts payable days are the one component you subtract. ",{"text":476,"type":101,"marks":477},"ICAEW’s KPI library",[478],{"type":236,"attrs":479},{"href":480,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.icaew.com/technical/business/business-performance-management/kpis/kpi-library",{"text":482,"type":101}," defines the cash conversion cycle as CCC = DIO + DSO − DPO. Days sales outstanding (DSO) is receivables ÷ credit sales × 365, the time customers take to pay you. Days inventory outstanding (DIO) is inventory ÷ cost of sales × 365, the time stock sits before it’s sold. The cycle counts the days you fund operations from your own cash before customer money arrives.",{"type":95,"attrs":484,"content":486},{"textAlign":25,"key":485},"p-25",[487],{"text":488,"type":101},"In the worked example, suppose DSO is 50 days and DIO is 40 days alongside the 45-day DPO:",{"type":172,"content":490},[491,499],{"type":175,"content":492},[493],{"type":95,"attrs":494,"content":496},{"textAlign":25,"key":495},"p-26",[497],{"text":498,"type":101},"The cycle is 40 + 50 − 45 = 45 days of self-funded operation. Now raise DPO to 55, perhaps by moving a group of suppliers from 30-day to 60-day terms. The cycle drops to 35 days.",{"type":175,"content":500},[501],{"type":95,"attrs":502,"content":504},{"textAlign":25,"key":503},"p-27",[505],{"text":506,"type":101},"In cash terms, daily COGS is £1,460,000 ÷ 365 = £4,000, so ten extra payables days hold roughly £40,000 in the business that would otherwise have left it. The reverse also holds: ten days lost to an early-payment habit sends £40,000 out.",{"type":165,"attrs":508,"content":509},{"level":167,"textAlign":25},[510],{"text":511,"type":101},"What drives your accounts payable days up or down",{"type":95,"attrs":513,"content":515},{"textAlign":25,"key":514},"p-28",[516],{"text":517,"type":101},"Your payment terms set the baseline, but process factors move accounts payable days without any change to those terms:",{"type":172,"content":519},[520,533,552,570,588],{"type":175,"content":521},[522],{"type":95,"attrs":523,"content":525},{"textAlign":25,"key":524},"p-29",[526,531],{"text":527,"type":101,"marks":528},"Payment terms:",[529],{"type":530},"bold",{"text":532,"type":101}," Negotiated terms are the anchor. You can raise DPO legitimately by moving suppliers from 30 to 60 days; the process delays below can raise it unintentionally.",{"type":175,"content":534},[535],{"type":95,"attrs":536,"content":538},{"textAlign":25,"key":537},"p-30",[539,546,550],{"text":540,"type":101,"marks":541},"Approval delays",[542,545],{"type":236,"attrs":543},{"href":544,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.spendesk.com/blog/accounts-payable-process/",{"type":530},{"text":547,"type":101,"marks":548},":",[549],{"type":530},{"text":551,"type":101}," When a budget owner has yet to sign off an invoice, you still owe the supplier, and the time to payment keeps increasing.",{"type":175,"content":553},[554],{"type":95,"attrs":555,"content":557},{"textAlign":25,"key":556},"p-31",[558,565,568],{"text":559,"type":101,"marks":560},"Three-way matching exceptions",[561,564],{"type":236,"attrs":562},{"href":563,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.spendesk.com/blog/invoice-matching/",{"type":530},{"text":547,"type":101,"marks":566},[567],{"type":530},{"text":569,"type":101}," Your team pauses payment when an invoice’s price or quantity differs from the purchase order or goods received note. Resolving the mismatch usually means a conversation with the supplier or the buyer.",{"type":175,"content":571},[572],{"type":95,"attrs":573,"content":575},{"textAlign":25,"key":574},"p-32",[576,583,586],{"text":577,"type":101,"marks":578},"Payment run cadence",[579,582],{"type":236,"attrs":580},{"href":581,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.spendesk.com/blog/payment-run/",{"type":530},{"text":547,"type":101,"marks":584},[585],{"type":530},{"text":587,"type":101}," With a monthly run, your team pays an invoice approved the day after cut-off a month later. If approvals fall evenly between runs every N days, you wait roughly N ÷ 2 days on average to pay, so moving from monthly to twice-monthly runs halves that lag.",{"type":175,"content":589},[590],{"type":95,"attrs":591,"content":593},{"textAlign":25,"key":592},"p-33",[594,598,600,606],{"text":595,"type":101,"marks":596},"Manual processing:",[597],{"type":530},{"text":599,"type":101}," When your team keys in emailed invoices later, it may leave less time for review before payment is due. In ",{"text":601,"type":101,"marks":602},"Department for Business and Trade research",[603],{"type":236,"attrs":604},{"href":605,"uuid":25,"anchor":25,"target":239,"linktype":80},"https://www.gov.uk/government/publications/late-payments-research-performance-and-practices-across-business-sectors-and-sizes-html-executive-summary",{"text":607,"type":101}," with UK businesses, 36% of those that paid suppliers late put it down to administrative errors and 23% to technical issues such as lost invoices.",{"type":95,"attrs":609,"content":611},{"textAlign":25,"key":610},"p-34",[612],{"text":613,"type":101},"You raise DPO deliberately when you negotiate longer payment terms. 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Subscribe to our newsletter to stay informed.",[2077,2078],"08873884-f99d-46d2-9481-0563134fdd37","2ef12409-8f14-46b2-a8d0-0175290269ec",[2080],{"cta":2081,"_uid":2082,"items":2083,"heading":2210,"reverse":28,"component":2231,"sectionSettings":2232},[],"1320905c-cdee-41a4-bbec-6d93ca2e4e3f",[2084,2153],{"_uid":2085,"title":2086,"component":2087,"description":2088},"dfc0accd-ab64-464a-8597-b76754748f04","What is spend management?","faqItem",{"type":92,"content":2089},[2090,2094],{"type":95,"content":2091},[2092],{"text":2093,"type":101},"Business spending includes different types of spend:",{"type":2095,"attrs":2096,"content":2098},"ordered_list",{"order":2097},{"order":290},[2099,2110,2121],{"type":175,"content":2100},[2101],{"type":95,"content":2102},[2103,2107,2109],{"text":2104,"type":101,"marks":2105},"Strategic",[2106],{"type":530},{"text":2108,"type":101}," spend is usually centralized and managed by C-level executives with dedicated spenders. 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