Guides
Thirty-seven practical reference guides on business days, payment terms, court filings, payroll, freight, and the day-counting rules that show up across professional work.
Payment Terms & Invoicing
What Is Net 15? Payment Terms Explained
Why a seller wants a 15-day term, who uses it in agency and professional-services work, and why a buyer accepts a shorter clock than Net 30.
Updated: June 17, 2026
What Is Net 30? Payment Terms Explained
What Net 30 means, how to calculate the due date, and how it compares to Net 60 and Net 90.
Updated: July 24, 2026
What Is Net 45? Payment Terms Explained
The negotiated middle ground between Net 30 and Net 60, common in mid-market B2B and as a buyer-side counter to a Net 30 request.
Updated: June 17, 2026
What Is Net 60? Payment Terms Explained
How Net 60 payment terms work and when they are used in supplier and contractor agreements.
Updated: July 24, 2026
What Is Net 90? Payment Terms Explained
How Net 90 payment terms work, typical industries that use them, and cash flow implications.
Updated: July 24, 2026
How to Write Payment Terms on an Invoice
Clear guidance on writing Net 30, Net 60, and other payment terms on professional invoices.
Updated: March 31, 2026
DSO Calculation: Days Sales Outstanding Explained
DSO formula, calendar vs business day variants, industry benchmarks, and cash flow implications.
Updated: May 2, 2026
How to Follow Up on an Unpaid Invoice
A day-by-day reminder sequence with email templates, when to call, and when to escalate to collections.
Updated: June 15, 2026
What to Do When a Client Won't Pay
A calm escalation ladder from documented reminders to a demand letter, small-claims court, and collections.
Updated: June 16, 2026
Late Payment Interest Explained
How the UK, EU, US, and other statutory rates are built, and how to calculate the interest you are owed.
Updated: June 17, 2026
How to Charge Late Fees on Invoices
Where to disclose the fee, flat vs percentage amounts, reasonable figures, grace periods, and enforceability.
Updated: June 17, 2026
The Dunning Process for Small Business
How to build a 30/45/60/75 reminder sequence, when to automate it, and how it leads into the formal court process.
Updated: June 17, 2026
2/10 Net 30 and Early Payment Discounts Explained
How to read the notation, why skipping a 2 percent discount costs about 37 percent a year, and worked examples in three currencies.
Updated: June 17, 2026
End of Month (EOM) Payment Terms Explained
What EOM and Net 30 EOM mean, how month-end billing aligns with the accounting close, and the MFI alias used in the UK.
Updated: June 17, 2026
How Payroll Cut-off Dates Work With Weekends and Holidays
ACH settlement under NACHA, the 27th paycheck year, and pay-early vs pay-late around Fed holidays.
Updated: May 2, 2026
Calculations & Methods
Business Days vs Calendar Days: What Is the Difference?
The key differences between business days and calendar days, and when each applies.
Updated: July 24, 2026
How Many Business Days Are in a Month?
A month-by-month breakdown of working days and how weekends and holidays affect the count.
Updated: January 6, 2026
How Many Business Days Are in a Year?
The total number of working days in a year and how the count varies by country and calendar.
Updated: July 24, 2026
When Are Bank Holidays Observed if They Fall on a Weekend?
Weekend observance rules in the US, UK, Canada, Australia, and continental Europe.
Updated: May 2, 2026
What Does 'Within X Business Days' Mean on Official Notices?
When day 0 starts, same-day vs next-day receipt, and the time-of-day question.
Updated: May 2, 2026
When a Payment Due Date Falls on a Weekend or Holiday
Standard conventions for rolling due dates forward or backward when they land on non-business days.
Updated: March 3, 2026
How Business Days Vary by State, Province, and Canton
Why the same deadline lands on a different date by state, province, or canton, the German, UK, Canadian, Spanish, and Swiss contrasts, and why US states are the exception.
Updated: July 24, 2026
Legal & Compliance
What Is a Business Day in Court Filings?
Federal Rule 6, the CM/ECF time stamp, the 3-day mailing rule, and UK CPR Part 2.
Updated: May 2, 2026
Statute of Limitations and Business Days vs Calendar Days
Why limitations periods are calendar days and procedural deadlines often use business days.
Updated: May 2, 2026
How SLA Response Times Work
How service level agreements define response and resolution windows in business days.
Updated: March 17, 2026
Tax & Finance
How to Count Business Days for Tax Filing Deadlines
IRS, HMRC, India ITR, and Philippine BIR deadline counting rules with the controlling statutes.
Updated: May 2, 2026
US Federal Holidays 2026
The complete list of US federal holidays in 2026 with dates and observed days.
Updated: April 14, 2026
US Federal Holidays 2027
The complete list of US federal holidays in 2027 with dates and observed days.
Updated: April 28, 2026
Wire Transfer Cut-off Times by Bank
Fedwire, CHAPS, RTGS, and NPP cutoffs at major US, UK, Canadian, Australian, and Indian banks.
Updated: May 2, 2026
International Remittance Settlement Times by Corridor
SWIFT, SEPA, PIX, UPI, and Wero settlement timing for the major remittance corridors.
Updated: May 2, 2026
Operations
SaaS Contracts: the 'Support During Business Hours' Clause
Time zone interpretation, follow-the-sun coverage, and the SLA business-hour clock pause.
Updated: May 2, 2026
How Freight Forwarders Count Transit Days vs Business Days
Port-to-port vs door-to-door, customs hold days, and demurrage and detention math.
Updated: May 2, 2026
Procurement Lead Times: Business Days Math for Supply Chain
Lead time decomposition, Lunar New Year and Golden Week effects, and buffer stock formulas.
Updated: May 2, 2026
The Working Week Around the World
The Monday-Friday standard, the Sunday-Thursday Middle East pattern, the UAE's 2022 shift, and what differing weekends mean for cross-border work.
Updated: June 17, 2026
The Sunday-Thursday Work Week in the Middle East
Country-by-country coverage of the Friday-Saturday weekend, why the UAE left the pattern in 2022, and the three-day overlap with Monday-Friday partners.
Updated: June 17, 2026