{"id":76152,"date":"2026-05-01T16:45:51","date_gmt":"2026-05-01T14:45:51","guid":{"rendered":"https:\/\/www.sage.com\/en-za\/blog\/?p=76152"},"modified":"2026-05-22T12:43:16","modified_gmt":"2026-05-22T10:43:16","slug":"accounts-receivable-turnover-ratio-how-to-calculate-it","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-za\/blog\/accounts-receivable-turnover-ratio-how-to-calculate-it\/","title":{"rendered":"Accounts receivable turnover ratio formula: definition, importance, and examples"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard entry-header--has-illustration entry-header--has-illustration--standard\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-za\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tAccounts receivable turnover ratio formula: definition, importance, and examples\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\tThe accounts receivable turnover ratio formula helps indicate your company&#8217;s financial health. Learn how to calculate it and interpret results with examples. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-01T16:45:51+02:00\">May 1, 2026<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Accounts receivable turnover ratio formula: definition, importance, and examples\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-za\/blog\/accounts-receivable-turnover-ratio-how-to-calculate-it\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-za\/blog\/author\/yassirmalik\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2024\/03\/Yassir-Malik.jpg\" class=\"entry-author__image\" alt=\"yassir-malik-profile-picture\" \/>\t\t\t\t<span class=\"entry-author__name\">Yassir Malik<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<section class=\"wp-block-sage-container is-constrained\"><div class=\"sage-container__inner\">\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The accounts receivable turnover ratio shows how efficiently you collect customer payments.<\/strong> It measures how often your business converts outstanding invoices into cash over a specific period.<\/li>\n\n\n\n<li><strong>The formula compares net credit sales with average accounts receivable.<\/strong> Calculating the ratio helps you understand whether customers are paying in line with your credit terms.<\/li>\n\n\n\n<li><strong>A \u201cgood\u201d ratio depends on your industry, not a universal benchmark.<\/strong> Comparing your result with similar businesses gives a more accurate picture of performance.<\/li>\n\n\n\n<li><strong>Improving your ratio strengthens cash flow and financial stability.<\/strong> Clear credit policies, automated invoicing, flexible payment options and well\u2011defined payment terms all support faster collections.<\/li>\n<\/ul>\n<\/div><\/section>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>Unpaid invoices create problems for any small company, squeezing cash flow.<\/p>\n\n\n\n<p>So how can you prevent this situation and allow your business to breathe?<\/p>\n\n\n\n<p>The first step is to calculate your Accounts Receivable Turnover Ratio (ARTR), which can also boost the long-term financial health of your business.<\/p>\n\n\n\n<p>The accounts receivable turnover ratio measures how efficiently you are collecting payments (receivables) owed by your customers.<\/p>\n\n\n\n<p>Simply put, it shows how frequently you collect the average amount owed (<a href=\"https:\/\/www.sage.com\/en-za\/blog\/glossary\/what-is-accounts-receivable\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>accounts receivable<\/strong><\/a>) during a specific period.<\/p>\n\n\n\n<p>This ratio helps you see how quickly your customers are paying their invoices.<\/p>\n\n\n\n<p>This article explains how ARTR works and how you can use this metric to best effect.<\/p>\n\n\n\n<p><strong>Here&#8217;s what we&#8217;ll cover:<\/strong><\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-what-is-the-accounts-receivable-turnover-ratio\" data-level=\"2\">What is the accounts receivable turnover ratio?<\/a><\/li><li><a href=\"#h-why-ar-turnover-ratio-is-important-for-your-business\" data-level=\"2\">Why AR turnover ratio is important for your business<\/a><\/li><li><a href=\"#h-how-to-calculate-accounts-receivable-turnover-ratio\" data-level=\"2\">How to calculate accounts receivable turnover ratio<\/a><\/li><li><a href=\"#h-accounts-receivable-turnover-ratio-formula\" data-level=\"2\">Accounts receivable turnover ratio formula<\/a><\/li><li><a href=\"#h-how-to-calculate-accounts-receivable-turnover-in-three-steps\" data-level=\"2\">How to calculate accounts receivable turnover in three steps<\/a><\/li><li><a href=\"#h-accounts-receivable-turnover-example\" data-level=\"2\">Accounts receivable turnover example<\/a><\/li><li><a href=\"#h-what-is-a-good-accounts-receivable-turnover-ratio\" data-level=\"2\">What is a good accounts receivable turnover ratio?<\/a><\/li><li><a href=\"#h-typical-ar-turnover-ratio-benchmarks\" data-level=\"2\">Typical AR turnover ratio benchmarks<\/a><\/li><li><a href=\"#h-how-to-improve-your-accounts-receivable-turnover-ratio\" data-level=\"2\">How to improve your accounts receivable turnover ratio<\/a><\/li><li><a href=\"#h-how-better-ar-management-improves-cash-flow\" data-level=\"2\">How better AR management improves cash flow<\/a><\/li><li><a href=\"#h-frequently-asked-questions-faqs\" data-level=\"2\">Frequently asked questions (FAQs)<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-accounts-receivable-turnover-ratio\"><a><\/a><a><\/a><strong>What is the accounts receivable turnover ratio?<\/strong><\/h2>\n\n\n\n<p>The accounts receivable turnover ratio compares net credit sales against your average accounts receivable status over a given period.<\/p>\n\n\n\n<p>This tells you how efficiently you&#8217;re converting receivables into revenue.<\/p>\n\n\n\n<p>Your incoming revenue dictates your cash flow and ultimately, your company&#8217;s financial health.<\/p>\n\n\n\n<p>If you&#8217;re generating plenty of revenue and have spending under control, you should have the cash to cover costs, make accurate forecasts, strategise, and invest for growth.<\/p>\n\n\n\n<p>Therefore, tracking and improving the turnover directly impacts your cash flow.<\/p>\n\n\n\n<p>A healthy ratio allows for better financial planning and reduces the risk of cash flow shortages.<\/p>\n\n\n\n<p>You can evaluate your accounts receivable turnover by benchmarking it against the average for your industry or niche.<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Budget Speech: 2026\/2027<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Explore the key tax, payroll and employment changes from the 2026\/27 Budget<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a2a54612-83e6-4a6c-b6a6-d71baac631c1\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download now<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-41-1064x810.jpg\" class=\"single-cta__image\" alt=\"Smiling businessman using tablet\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-41-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-ar-turnover-ratio-is-important-for-your-business\"><a><\/a><strong>Why AR turnover ratio is important for your business<\/strong><\/h2>\n\n\n\n<p>There is no defined &#8220;highest&#8221; AR turnover ratio number.<\/p>\n\n\n\n<p>A higher number simply indicates that your credit policies are effective and customers are paying promptly, meaning you&#8217;re collecting efficiently.<\/p>\n\n\n\n<p>However, a very high number could suggest overly strict credit terms, potentially deterring some customers.<\/p>\n\n\n\n<p>If your business can handle it, you may deliberately aim for a lower ratio so that other operating metrics become attuned to attracting customers with better credit terms.<\/p>\n\n\n\n<p>Conversely, a low ratio suggests clients are taking too long to pay.<\/p>\n\n\n\n<p>This could be because of poor management or credit policies, or a riskier customer base\u2014your credit policies may be too lenient, or too much of your customer base is simply slow to pay.<\/p>\n\n\n\n<p>While the AR turnover mainly reflects your positioning for cash flow, it indirectly affects other aspects of your operation.<\/p>\n\n\n\n<p>Chief among these are:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-forecasting\"><a><\/a><strong>Forecasting<\/strong><\/h3>\n\n\n\n<p>The ARTR is an important assumption for balance sheet and cash flow forecasts, influencing the precision of your financial predictions.<\/p>\n\n\n\n<p>Incorporating this metric into financial models provides a more realistic view of future cash inflows, adding weight to your strategic planning.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-investor-confidence\"><a><\/a><strong>Investor confidence<\/strong><\/h3>\n\n\n\n<p>A high turnover ratio demonstrates the company&#8217;s ability to manage its receivables effectively and maintain liquidity.<\/p>\n\n\n\n<p>This naturally boosts investors&#8217; trust in your business.<\/p>\n\n\n\n<p>If you have a lower AR ratio than you want, there are ways to fix it.<\/p>\n\n\n\n<p>But first, you need to make the right calculations to understand your receivable ratios, including your AR turnover and average days-to-pay (also known as day ratio).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-calculate-accounts-receivable-turnover-ratio\"><a><\/a><strong>How to calculate accounts receivable turnover ratio<\/strong><\/h2>\n\n\n\n<p>Your credit sales don&#8217;t exactly measure revenue because they haven&#8217;t been paid yet.<\/p>\n\n\n\n<p>Likewise, your accounts receivable balance isn&#8217;t the same as revenue\u2014it only represents the portion of credit sales that remains unpaid at any particular time.<\/p>\n\n\n\n<p>However, the relationship between these two figures does help you understand how quickly your business is converting sales into cash.<\/p>\n\n\n\n<p>Here&#8217;s how it works on paper:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-accounts-receivable-turnover-ratio-formula\"><a><\/a><strong>Accounts receivable turnover ratio formula<\/strong><\/h2>\n\n\n\n<p><strong>ARTR = Net credit sales \/ Average accounts receivable<\/strong><\/p>\n\n\n\n<p>Here, net credit sales refers to sales made on credit, minus any returns, discounts or allowances.<\/p>\n\n\n\n<p>It&#8217;s a figure that accumulates over the period you&#8217;re measuring.<\/p>\n\n\n\n<p>Meanwhile, accounts receivable is a fluctuating balance, providing a snapshot at a specific moment.<\/p>\n\n\n\n<p>To make a meaningful comparison, you need an AR figure that represents the entire period rather than just one point in time.<\/p>\n\n\n\n<p>That&#8217;s why you use the average accounts receivable\u2014the average of all recorded AR balances throughout the analysis period.<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Budget Speech: 2026\/2027<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Explore the key tax, payroll and employment changes from the 2026\/27 Budget<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a2a54612-83e6-4a6c-b6a6-d71baac631c1\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download now<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-41-1064x810.jpg\" class=\"single-cta__image\" alt=\"Smiling businessman using tablet\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-41-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-calculate-accounts-receivable-turnover-in-three-steps\"><a><\/a><strong>How to calculate accounts receivable turnover in three steps<\/strong><\/h2>\n\n\n\n<p>So the accounts receivable turnover formula is fairly simple, but you still need to fit it into your overall accounts receivable process.<\/p>\n\n\n\n<p>Here&#8217;s how:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gather-the-required-data\"><a><\/a><strong>Gather the required data<\/strong><\/h3>\n\n\n\n<p>For the period you&#8217;re measuring, collect the net credit sales total and accounts receivable balances.<\/p>\n\n\n\n<p>These are available in your income statement and balance sheet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-calculate-the-average-accounts-receivable\"><a><\/a><strong>Calculate the average accounts receivable<\/strong><\/h3>\n\n\n\n<p>Add your beginning and ending accounts receivable balances and divide by two.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-run-the-formula\"><a><\/a><strong>Run the formula<\/strong><\/h3>\n\n\n\n<p>Divide your net credit sales by your average accounts receivable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-accounts-receivable-turnover-example\"><a><\/a><strong>Accounts receivable turnover example<\/strong><\/h2>\n\n\n\n<p>Here&#8217;s what the calculation could look like in practice:<\/p>\n\n\n\n<p>Let&#8217;s say your company had R3,000,000 in net credit sales during the year. And your accounts receivable balance varied between R300,000 and R1,200,000 each month.<\/p>\n\n\n\n<p>The average over 12 months was R750,000.<\/p>\n\n\n\n<p>That implies that the sum of AR figures over the 12 months was much more than the R500,000 in sales, but that&#8217;s entirely plausible because some amounts could carry over from month to month.<\/p>\n\n\n\n<p>Accounts receivable turnover ratio is: R3,000,000 \/ R750,000 = 4<\/p>\n\n\n\n<p>This result means your company collected its average accounts receivable four times during the year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-good-accounts-receivable-turnover-ratio\"><a><\/a><strong>What is a good accounts receivable turnover ratio?<\/strong><\/h2>\n\n\n\n<p>A &#8220;good&#8221; ARTR varies significantly by industry. For example, what&#8217;s &#8220;high&#8221; for a grocery store might be &#8220;low&#8221; for a construction company.<\/p>\n\n\n\n<p>Grocery stores deal with perishable goods, so they often expect rapid turnover due to frequent transactions.<\/p>\n\n\n\n<p>The only way to truly know your status is to compare your AR turnover to industry benchmarks, which are available through industry-specific financial reports or business associations.<\/p>\n\n\n\n<p>Aim for a ratio that aligns with or exceeds your industry&#8217;s average, signalling healthy <a href=\"https:\/\/www.sage.com\/en-za\/accounting-software\/cash-management\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>cash flow management<\/strong><\/a>.<\/p>\n\n\n\n<p>However, a high turnover ratio generally indicates efficient collection, while a low ratio suggests slow-paying customers. Let&#8217;s look at these aspects in more detail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-high-ratio\"><a><\/a><strong>High ratio<\/strong><\/h3>\n\n\n\n<p>A very high ARTR indicates that your company is collecting receivables quickly, suggesting efficient credit and collection practices.<\/p>\n\n\n\n<p>However, extremely high ratios should be examined carefully.<\/p>\n\n\n\n<p>They might indicate overly restrictive credit policies that deter potential customers, limiting sales growth.<\/p>\n\n\n\n<p>While efficient, it&#8217;s important to balance rapid collection with maintaining strong customer relationships and competitive credit terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-low-ratio\"><a><\/a><strong>Low ratio<\/strong><\/h3>\n\n\n\n<p>If your ratio is consistently low, this implies potential cash flow issues, and you may have valuable working capital tied up, which could hinder growth.<\/p>\n\n\n\n<p>Investigate the root cause: <\/p>\n\n\n\n<p>are customers struggling financially, or is there a technical issue obstructing payments? <\/p>\n\n\n\n<p>Analyse customer payment patterns and credit policies.<\/p>\n\n\n\n<p>If necessary, tighten credit terms to encourage prompt payment, improve collection efforts, or reassess your customer base.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-case-study\"><a><\/a><strong>Case study<\/strong><\/h3>\n\n\n\n<p>To see how this works in practice, consider the case of a small firm we&#8217;ll call &#8220;Thandi&#8217;s Bakery&#8221;.<\/p>\n\n\n\n<p>The bakery has expanded its customer base by extending credit to small business owners.<\/p>\n\n\n\n<p>At the end of the first year doing this, the company&#8217;s AR turnover ratio was 8.2\u2014meaning it gathered its receivables 8.2 times for the year on average.<\/p>\n\n\n\n<p>The bakery can calculate the day ratio by dividing the number of days in the year (365) by the turnover ratio.<\/p>\n\n\n\n<p>In Thandi&#8217;s case, this is 365\/8.2 = 44.5, which means it takes her just under 45 days to collect from customers.<\/p>\n\n\n\n<p>This is fine if the company has a 45-day payment policy\u2014customers are paying within the terms, and the system is running smoothly.<\/p>\n\n\n\n<p>If cash flow problems arise, it may just need to reduce the payment term.<\/p>\n\n\n\n<p>But if Thandi deems that invoices need to be paid in 30 days, a 44.5-day ratio could indicate she is extending credit to lower-quality customers, or the collection department is not effective.<\/p>\n\n\n\n<p>The bakery could compare this ratio to industry peers to see if it&#8217;s an outlier. If similar businesses have a lower day ratio, say 40, Thandi&#8217;s Bakery could consider how to improve its ratios to make the business more competitive.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-typical-ar-turnover-ratio-benchmarks\"><a><\/a><strong>Typical AR turnover ratio benchmarks<\/strong><\/h2>\n\n\n\n<p>The bakery case is quite typical of retail in general, although higher rates are more common.<\/p>\n\n\n\n<p>This is because retail businesses tend to have high volumes of cash and credit sales. Grocery stores, in particular, often have daily or weekly turnover.<\/p>\n\n\n\n<p>The standard range for retail is 2 to 20 or higher.<\/p>\n\n\n\n<p>Here are some other industry benchmarks you could expect from them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-manufacturing\"><a><\/a><strong>Manufacturing<\/strong><\/h3>\n\n\n\n<p>Manufacturers generally have longer credit terms with their business customers.<\/p>\n\n\n\n<p>This is because orders are often large and expensive, and more time is required to produce the goods compared to retail.<\/p>\n\n\n\n<p>Manufacturers may also have more complex billing cycles.<\/p>\n\n\n\n<p>The typical range here would be 4 to 8.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-services\"><a><\/a><strong>Services<\/strong><\/h3>\n\n\n\n<p>Service-based businesses, such as consulting or IT, often have shorter payment terms than manufacturers but longer than retailers.<\/p>\n\n\n\n<p>Factors such as project duration and client payment practices can influence the ratio, which generally falls between 6 and 12.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-healthcare\"><a><\/a><strong>Healthcare<\/strong><\/h3>\n\n\n\n<p>Healthcare providers often face longer payment cycles due to the time required to process medical aid claims and the high cost being spread across patient payment plans.<\/p>\n\n\n\n<p>Also, this industry can be heavily affected by economic conditions, further impeding rapid turnover. This gives typical AR rates of 3 to 6.<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Budget Speech: 2026\/2027<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p>Explore the key tax, payroll and employment changes from the 2026\/27 Budget<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a2a54612-83e6-4a6c-b6a6-d71baac631c1\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Download now<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1064\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-41-1064x810.jpg\" class=\"single-cta__image\" alt=\"Smiling businessman using tablet\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2019\/07\/resize-1675x1275-41-1064x810.jpg 1064w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-improve-your-accounts-receivable-turnover-ratio\"><a><\/a><strong>How to improve your accounts receivable turnover ratio<\/strong><\/h2>\n\n\n\n<p>Improving your ARTR requires a multi-faceted approach.<\/p>\n\n\n\n<p>It may involve optimising your internal processes or proactively managing customer accounts. Whatever the case, the key is to identify and address potential payment issues early.<\/p>\n\n\n\n<p>Let&#8217;s look at four key areas that can impact the AR turnover ratio:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-strengthen-credit-policies\"><a><\/a><strong>Strengthen credit policies<\/strong><\/h3>\n\n\n\n<p>Beyond setting basic terms, strengthening credit policies involves assessing your customers&#8217; creditworthiness before extending credit. Implement a formal credit application process, including thorough background checks.<\/p>\n\n\n\n<p>Establish credit limits based on customer financial stability.<\/p>\n\n\n\n<p>Regularly review and update credit limits to reflect changing customer circumstances.<\/p>\n\n\n\n<p>Consider using credit scoring systems to automate credit risk assessment, and offering early payment discounts to incentivise prompt payments.<\/p>\n\n\n\n<p>Develop a clear escalation process for overdue accounts, outlining collection procedures at each stage.<\/p>\n\n\n\n<p>Document all credit-related communication to maintain transparency and accountability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-automate-invoicing-and-payment-reminders\"><a><\/a><strong>Automate invoicing and payment reminders<\/strong><\/h3>\n\n\n\n<p>Automation drastically reduces overdue payments through timely and consistent communication.<\/p>\n\n\n\n<p>The main feature of this is automatic payment reminders, sent before due dates to minimise missed payments.<\/p>\n\n\n\n<p>Your accounting software should also be able to instantly generate and send invoices as soon as transactions are agreed.<\/p>\n\n\n\n<p>These systems also produce reports on outstanding invoices, enabling you to prioritise collection efforts.<\/p>\n\n\n\n<p>Furthermore, implementing a system for tracking and prioritising collections ensures that follow-ups are consistent and efficient.<\/p>\n\n\n\n<p>Regular reviews of your automated AR processes help identify and eliminate bottlenecks, further optimising your cash flow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-offer-multiple-payment-options\"><a><\/a><strong>Offer multiple payment options<\/strong><\/h3>\n\n\n\n<p>Flexible payment methods increase collections by catering to diverse customer preferences, giving them the opportunity to pay more promptly.<\/p>\n\n\n\n<p>Their preferred methods could include online payment portals, bank transfers, credit cards, and digital wallets.<\/p>\n\n\n\n<p>Not only are these convenient for your clients, but they are inherently faster, bypassing manual processing.<\/p>\n\n\n\n<p>Providing multiple payment options also demonstrates customer-centricity, fostering goodwill and loyalty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-optimise-payment-terms\"><a><\/a><strong>Optimise payment terms<\/strong><\/h3>\n\n\n\n<p>Having adjusted your credit policies, you&#8217;ll be in a position to strategically define <a href=\"https:\/\/www.sage.com\/en-za\/sage-business-cloud\/accounting\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>invoice payment<\/strong><\/a> terms for each client.<\/p>\n\n\n\n<p>Choose the best option to cater to customer needs while incentivising prompt payments. Common examples are:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-net-30\"><a><\/a><strong>Net 30<\/strong><\/h4>\n\n\n\n<p>You grant the customer 30 days from the invoice date to make full payment.<\/p>\n\n\n\n<p>It&#8217;s a standard option that provides flexibility for businesses with longer payment cycles.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-early-payment-discounts\"><a><\/a><strong>Early payment discounts<\/strong><\/h4>\n\n\n\n<p>For example, you might offer a 2% discount if the customer pays within 10 days (denoted as 2\/10 Net 30).<\/p>\n\n\n\n<p>This encourages faster payments and improves cash flow.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-due-on-receipt\"><a><\/a><strong>Due on receipt<\/strong><\/h4>\n\n\n\n<p>This means immediate payment as soon as the customer receives the invoice.<\/p>\n\n\n\n<p>It&#8217;s often used for smaller transactions or when prompt payment is essential.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-instalments\"><a><\/a><strong>Instalments<\/strong><\/h4>\n\n\n\n<p>Dividing large purchases into smaller, scheduled payments. Often used for long-term projects or high-value purchases.<\/p>\n\n\n\n<p>Clearly communicate these terms in your contracts and invoices, detailing due dates, penalties, and accepted payment methods.<\/p>\n\n\n\n<p>Analyse industry standards and customer reliability to determine the most effective terms for your business, balancing cash flow needs with customer relationships.<\/p>\n\n\n\n<p>Most accounting software is designed to allow customisation of payment terms, so make use of this feature to clearly state what your expectations and client obligations are.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-improve-customer-relationships\"><a><\/a><strong>Improve customer relationships<\/strong><\/h3>\n\n\n\n<p>While automation provides the means for good communication, this is also a matter of willingness and effort.<\/p>\n\n\n\n<p>It pays to promptly and professionally address customer enquiries, demonstrating your commitment to their needs.<\/p>\n\n\n\n<p>On top of that, personalised communication shows that you value their business, further strengthening the relationship.<\/p>\n\n\n\n<p>Consistent follow-up on overdue invoices is essential, but it&#8217;s more effective when combined with a positive and supportive relationship.<\/p>\n\n\n\n<p>Regular and transparent communication builds a sense of partnership, fostering trust and rapport, and motivating customers to prioritise timely payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-better-ar-management-improves-cash-flow\"><a><\/a><strong>How better AR management improves cash flow<\/strong><\/h2>\n\n\n\n<p>To streamline accounts receivable management and improve turnover, consider using purpose-built <a href=\"https:\/\/www.sage.com\/en-za\/accounting-software\/accounts-receivable\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>accounts receivable software<\/strong><\/a>.<\/p>\n\n\n\n<p>A good solution automates much of the AR process, giving you a solid path to better tracking, invoicing, and collections.<\/p>\n\n\n\n<p>The resulting improvements in efficiency, customer relations and profitability can boost your financial health and the overall success of your business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\">Frequently asked questions (FAQs)<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777553638694\"><strong class=\"schema-faq-question\">What does the accounts receivable turnover ratio tell you?<\/strong> <p class=\"schema-faq-answer\"><br>The accounts receivable turnover ratio shows how quickly your business collects money owed by customers. <br><br>A higher ratio generally means invoices are being paid promptly, while a lower ratio can indicate slow payments or issues with credit and collection processes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777554106688\"><strong class=\"schema-faq-question\">How do you calculate the accounts receivable turnover ratio?<\/strong> <p class=\"schema-faq-answer\"><br>You calculate the ratio by dividing net credit sales by average accounts receivable for the same period. <br><br>Net credit sales exclude cash sales, returns, discounts and allowances, while average accounts receivable reflects typical outstanding balances during that time.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777554124735\"><strong class=\"schema-faq-question\">What is considered a good accounts receivable turnover ratio?<\/strong> <p class=\"schema-faq-answer\"><br>There is no single figure that applies to every business. <br><br>A good ratio varies by industry, payment terms and business model. <br><br>The most reliable way to assess performance is to compare your ratio with industry benchmarks or similar organisations.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777554144367\"><strong class=\"schema-faq-question\">Is a high accounts receivable turnover ratio always positive?<\/strong> <p class=\"schema-faq-answer\"><br>Not necessarily.<br><br>While a high ratio often means efficient collections, an unusually high figure could suggest credit terms are too restrictive, which may discourage customers.<br><br>The goal is to balance timely payment with competitive, customer\u2011friendly terms.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777554358722\"><strong class=\"schema-faq-question\">How can a business improve its accounts receivable turnover ratio?<\/strong> <p class=\"schema-faq-answer\"><br>Businesses can improve their ratio by strengthening credit policies, automating invoices and payment reminders, offering multiple payment methods, and reviewing payment terms regularly. <br><br>Consistent communication and good customer relationships also support quicker payments.<\/p> <\/div> <\/div>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice enewsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get a roundup of our best business advice in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-84fe79b5-668d-41f8-a0cc-6229018c4ac9\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-za\/blog\/tag\/accountants\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tAccounting 101\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-za\/blog\/tag\/bookkeeping\/\" 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Discover how to take control of accounts payable reconciliation and optimise your payment process.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-76271 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-trends-insights tag-accountants tag-bookkeeping tag-business-intelligence tag-data-analysis tag-profit-loss tag-trending-topics business_type-small-business business_type-medium-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-za\/blog\/accrued-expenses-vs-accounts-payable\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/07\/GettyImages-1252669747-2-684x384.jpg\" class=\"card-post__image\" alt=\"people in office\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/07\/GettyImages-1252669747-2-684x384.jpg 684w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/07\/GettyImages-1252669747-2-768x432.jpg 768w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/07\/GettyImages-1252669747-2-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div 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business_type-small-business business_type-medium-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-za\/blog\/accrual-basis-accounting\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/09\/GettyImages-1316107530-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/09\/GettyImages-1316107530-684x384.jpg 684w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/09\/GettyImages-1316107530-768x512.jpg 768w, https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/09\/GettyImages-1316107530-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" 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100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-15T10:34:49+02:00\">May 15, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tHow accounting is changing for South African small businesses\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-73627 post type-post status-publish format-standard has-post-thumbnail hentry category-people-leadership tag-business-management 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Learn how to calculate it and interpret results with examples. <\/p>\n","protected":false},"author":1774,"featured_media":71203,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"footnotes":""},"categories":[25,27],"tags":[294,313,166,189,335,339],"business_type":[2,3,5],"lilypad":[],"context":[],"industry":[],"persona":[6,12,15,16],"imagine_tag":[51,52,64,353,84,85,86],"coauthors":[401],"class_list":["post-76152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","category-strategy-legal-operations","tag-accountants","tag-bookkeeping","tag-business-management","tag-financial-insights","tag-making-financial-decisions","tag-profit-loss","business_type-small-business","business_type-medium-business","business_type-accountants"],"sage_meta":{"region":"en-za","author_name":"Yassir Malik","featured_image":"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/09\/GettyImages-1459190037.jpg","imagine_tags":{"51":"Accountants","52":"Accounting software","64":"Cloud accounting","353":"Costs and cash flow","84":"Midsized business","85":"Small business","86":"Start up business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice South Africa","distributor_original_site_url":"https:\/\/www.sage.com\/en-za\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/76152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/users\/1774"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/comments?post=76152"}],"version-history":[{"count":4,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/76152\/revisions"}],"predecessor-version":[{"id":76301,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/76152\/revisions\/76301"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media\/71203"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media?parent=76152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/categories?post=76152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/tags?post=76152"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/business_type?post=76152"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/lilypad?post=76152"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/context?post=76152"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/industry?post=76152"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/persona?post=76152"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/imagine_tag?post=76152"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/coauthors?post=76152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}