Work out stock and book debt statement instantly with clear inputs, formula shown and shareable results.
The monthly stock and book debt statement applies different margins to each asset class — commonly 25% on paid stock and 40% on debtors — and excludes receivables beyond ninety days entirely as ineligible security.
Statement based drawing power
DP = (stock - creditors) × 75% + debtors within 90 days × 60%
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Because collectability deteriorates sharply beyond the normal credit period, so they are poor security.
Banks typically freeze drawing power at the last certified level or charge a penal rate until it is submitted.