Cover the Loss Calculator

How much extra would you need to sell to recover a bad debt?

Even one unpaid invoice can wipe out months of hard-earned profit. Many businesses underestimate how much extra turnover it takes to make up for a single customer default.

Use our calculator to see the real impact – and how Trade Credit Insurance can help protect your margin before it’s too late.

Additional turnover needed to
cover unpaid invoices

£ 0

Amount from unpaid invoices

Profit margin

Enter your loss and margin to calculate your additional turnover

The calculations provided by this tool are intended for illustrative purposes only and should not be construed as financial advice. Actual outcomes will vary. Insurance coverage is subject to underwriting criteria and policy terms.

Help protect your profit

Get an online quote in minutes and see how cost-effective
 Trade Credit Insurance can be.

Get a quote

How we calculate this?

We use a simple formula to estimate the extra turnover needed to recover a bad debt:
Additional turnover = Bad debt amount ÷ Profit margin. Example: £10,000 bad debt ÷ 15% margin = £66,667 extra turnover.
Assumptions: - Margin = net operating margin on incremental sales; - VAT and fixed overheads excluded; - Rounded to nearest pound.