Nichetel
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A real excerpt from this edition. Fictional example data.

NT-133 / Decision pack

Payment timing comparison

Separate the cash amount from a simple timing allowance.

Compare the face amount less an explicit discount and fee, with a separate simple non-compounding carrying allowance on the delayed net amount.

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Editable .xlsxPDF guideNo macros

Start with the decision

How do entered discounts, fees and receipt delays affect the comparison?

Small-business operators comparing their own cost assumptions.

From input to next step.

  1. 01

    Choose a consistent basis

    Compare the same underlying sale and currency.

  2. 02

    Enter the assumptions

    Use confirmed commercial amounts and your own explicit carrying-rate assumption. The sheet uses 365 days and simple interest.

  3. 03

    Review the result

    Review commercial conditions and actual cash needs separately. This is an illustrative timing comparison, not an effective lending rate.

A look inside

The example, in plain sight.

Fictional values from the workbook. Amounts are illustrative currency units, not a market rate or a customer result.

Payment scenario
Scenario A
Face amount
1,000.00
Discount
2.0%
Fee
0.00
Delay days
10
Assumed annual carrying rate
12.0%
Net receipt
980.00
Timing allowance
3.22
Receipt less allowance
976.78

Before you use the result.

  • A carrying allowance is not an actual bank charge.
  • Do not compare incompatible discount terms.
  • No credit or investment product is recommended.

A simple commercial timing scenario, not financial advice or a payment service.

A few useful answers.

All questions →
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No. The planned shop sells each product separately for a one-off price. You will not need a membership, a bundle or a credit balance.

What will I receive?

Each product includes a PDF guide, an editable Excel workbook, a fictional worked example, a blank worksheet with 50 prepared rows and a decision log. Working kits also include an implementation plan and an adaptable message. The exact file list is on each product page.

What software do I need?

A PDF reader and spreadsheet software that supports standard .xlsx formulas. The workbooks contain no macros or external data connections. Formula results depend on your inputs and your spreadsheet software recalculating them. No paid AI account is required.

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