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Shaving 10 days off your DSO might not sound dramatic, but on $500,000 in annual sales, that's roughly $14,000 freed up from receivables and available in your operating account instead. Over time, those improvements compound into real financial flexibility.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}},"id":"6954ec35cdcaac00049544e9"}]}]}],"$L35"]}],"$L36"]}]]}]}]}]
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35:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's a \"good\" DSO for my specific business?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Compare it to two things: your industry benchmark (see the table above) and your own payment terms. If you're a wholesaler at 38 days with Net 30 terms, you're slightly over but probably fine. If you're at 65 days with the same terms, customers are paying a full month late on average—that needs attention. The best benchmark is your own DSO from previous periods. Improving against yourself matters more than hitting some universal target.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Should I use total sales or just credit sales?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Credit sales gives you a purer number since only credit sales create receivables. But here's the practical reality: if most of your sales are on credit, or your cash/credit split stays consistent, total sales works just fine and is way easier to pull from your accounting system. Don't let perfect be the enemy of useful.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How often should I actually calculate this?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Monthly is the sweet spot for most businesses. It's frequent enough to catch trends early but not so frequent that normal fluctuations look like crises. If your business is very stable and predictable, quarterly works. Annual is really only useful for year-over-year benchmarking.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"My DSO jumped suddenly—what happened?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Usually it's one of these: a big customer is paying late, you had seasonal slowdown (fewer sales but same AR), you extended credit to new customers who turned out to be slow payers, or you just had strong sales growth (more invoices outstanding is normal when you're growing). Pull your AR aging report and look at which specific invoices are driving the increase. That'll tell you whether it's one customer problem or a systemic issue.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's the difference between DSO and AR Turnover Ratio?"}],"$L37"]}],"$L38","$L39","$L3a","$L3b","$L3c"]}]]}]
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37:["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"They're two ways of measuring the same thing. AR Turnover Ratio tells you how many times per year you collect your average receivables (higher is better). DSO tells you the average days to collect (lower is better). They're mathematically related: DSO = 365 ÷ AR Turnover. Use whichever one clicks better for you—they reveal the same insight.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]
38:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Can DSO ever be too low?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"In theory, yes. An extremely low DSO could mean you're offering terms so tight that customers go to more flexible competitors instead. But in practice, this is rarely the problem. Most businesses would love a \"DSO is too low\" situation. If you're genuinely worried about being too strict, survey a few customers or check if you're losing deals to competitors with better terms.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does seasonality affect DSO?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Quite a bit for some businesses. A retailer might show great DSO during holiday season (high sales, normal AR) and terrible DSO in slow months (low sales, but receivables from busy season still outstanding). If your business has strong seasonal swings, calculate DSO using trailing 12-month figures to smooth out the noise. Or at least compare each month to the same month last year rather than to last month.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"I just started my business. How do I calculate DSO without historical data?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Use your current AR balance for both beginning and ending. Your first few calculations will be rough, but that's okay—the value is in tracking the trend over time. After three to six months, you'll have enough data points to see meaningful patterns and start comparing against benchmarks.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does DSO connect to actual cash flow?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Directly. Every day of DSO represents money trapped in receivables instead of your bank account. Here's a quick way to think about it: if you do $100,000 in monthly sales and your DSO is 60 days instead of 30, that's roughly an extra $100,000 sitting in unpaid invoices at any given time. Drop your DSO by 15 days and you free up about $50,000. That's real money you can use to fund operations, pay down debt, or invest in growth.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3c:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"My business is mostly cash sales. Is DSO even relevant for me?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L32",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Probably not very. DSO measures collection time on credit sales. If 90% of your revenue comes from customers paying cash or card at the point of sale, you're already collecting instantly—congratulations! Your DSO will naturally be very low and won't tell you much useful. Focus on other metrics like inventory turnover or gross margin instead.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
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