Free tool

How bad is your invoicing, really?

Nine questions. Two minutes. You'll get a payment health score and the three things hurting your cash flow most — no call, no pitch.

Most freelancers and agencies don’t have a payment problem. They have a processproblem — they just feel it as a payment problem when the money’s late again.

I built this after doing dozens of these by hand on calls. Same gaps came up every time — net 30 instead of net 14, follow-up “when I remember,” invoicing end-of-month. So I turned it into a scorecard you can run yourself.

How it works

1

Answer 9 questions

Your payment terms, how you follow up, when you invoice, how clients pay. All multiple choice. Honest answers only — this is for you, not me.

2

Get your score

0–100, with a band: Healthy, Leaky, or Bleeding. Most people land in Leaky and are genuinely surprised.

3

Get your 3 fixes

The three highest-impact things to change this week, ranked. Specific to your answers, not generic advice.

What payment terms do you put on most invoices?

1/9What payment terms do you put on most invoices?

When do you send the invoice?

2/9When do you send the invoice?

What happens after you hit send?

3/9What happens after you hit send?

Do you send anything before the due date?

4/9Do you send anything before the due date?

How do clients actually pay you?

5/9How do clients actually pay you?

Is there a late fee in your terms?

6/9Is there a late fee in your terms?

A client asks for a “quick extra thing.” What happens?

7/9A client asks for a “quick extra thing.” What happens?

How many invoices are overdue right now?

8/9How many invoices are overdue right now?

Who does the chasing when something's overdue?

9/9Who does the chasing when something's overdue?

0/9 answered — honest answers only, this is for you, not me.

Reclaim your time

Stop being your own debt collector.

Get paid faster with automated invoicing and reminders.

Get started — $29/moBook a demo
The Handl dashboard: cash received, outstanding and overdue, a cash-flow chart around today, and this week's invoices.