See what Modern is worth to your order-to-cash
Add your company’s receivables profile. The model estimates the cash Modern could free up and what it's worth in Year 1.
Estimated annual AR ROI with Modern
$690K – $1.4M
Steady-state annual run-rate for a $50M business. Base case $1.05M, led by freed working capital.
Illustrative base case for a $50M manufacturer with a 4-person US AR team: 7 days faster collection, 10% of TTM bad debt avoided, automation at 75% coverage with ramp-up. Range runs from conservative to full adoption.
How the model works
The Modern value calculator estimates the annual value of running accounts receivable with Modern’s governed agents - collections, cash application and disputes worked inside your ERP under your approval policies, with every action in the audit log. It takes four inputs (annual revenue, industry, AR team size and AR team location) and values three levers:
- Cash freed (working capital) = annual revenue ÷ 365 × days faster collection. Base case 7 days (conservative 4.5, full adoption 9). This is cash released from receivables in Year 1; the financing cost it avoids at a 9% cost of capital is shown for context and not added to the total.
- Bad debt avoided = annual revenue × industry bad-debt rate (trailing-twelve-month write-offs as a share of revenue) × share prevented. Base case 10% of TTM bad debt (conservative 7.5%, full adoption 15%).
- Team capacity recovered = AR team size × fully loaded cost per person (by location) × 50% automatable work × automation coverage × Year-1 ramp. Base case 75% coverage with a 8-month ramp (67% of run-rate in Year 1); conservative 60% coverage; full adoption 100% coverage with no ramp.
The headline range runs from the conservative scenario to full adoption; the base case sits between them. Worked example: a $50M manufacturer with a 4-person US AR team frees $959K of working capital, prevents $12K of bad debt and recovers $80K of team capacity - a $1.05M base case within a $690K – $1.4M range.
| Industry | TTM bad debt (% of revenue) |
|---|---|
| Manufacturing | 0.24% |
| Distribution & wholesale | 0.3% |
| Technology & SaaS | 0.6% |
| Healthcare | 1.2% |
| Business services | 0.5% |
| Construction | 0.8% |
| Retail & CPG | 0.4% |
| Other | 0.5% |
| Location | Annual cost per person (USD) |
|---|---|
| US | $80,000 |
| Canada | $66,000 |
| UK | $60,000 |
| EU | $58,000 |
| Australia & NZ | $68,000 |
| India | $18,000 |
| Philippines | $14,000 |
| Latin America | $24,000 |
Results are illustrative estimates, not a guarantee. Walk through your numbers with our team for a breakdown built on your own receivables profile.
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