Credentials & Methodology
My academic study in public finance and econometrics directly informs the algorithmic logic behind this site's tools — specifically, the statutory interest-rate formulas powering the jurisdiction late fee calculator, which mirror the actual mechanics set by the Bank of England, the European Central Bank, the Reserve Bank of India, and individual US state legislatures.
How rates are sourced
Every rate table published on GetInvoicePDF.com is built from primary sources, not estimates or secondary aggregators:
- United Kingdom: Bank of England Base Rate publications, applied per the Late Payment of Commercial Debts (Interest) Act 1998.
- European Union: European Central Bank main refinancing reference rate, applied per Directive 2011/7/EU.
- India: Reserve Bank of India Bank Rate, applied per the MSMED Act 2006.
- United States: State-level contract law and commonly accepted commercial rate conventions (1.5%/month, 18% APR).
Review cadence
Statutory and central-bank reference rates are checked on a quarterly basis against the primary legislative text and the relevant central bank's published rate, since these figures move and a stale rate on a freelancer's invoice can mean an unenforceable late-fee clause. Where a rate cannot be independently verified at time of publishing, the article carries a clearly marked verification placeholder rather than a guessed figure.
Articles by Santanu Sarma
The full list below is auto-populated from the site's article database and reflects every guide currently published on GetInvoicePDF.com.
- How to Charge Late Fees Legally
- Net 15 vs Net 30 vs Net 60
- EU Late Payment Directive
- UK Late Payment of Commercial Debts Act
- US Prompt Payment Acts
- Late Interest: Canadian Laws
- Australian Business Payment Terms
- Drafting a Late Payment Demand Letter
- Overdue Invoice Email Templates
- What to Do When a Client Ghosts You
- Taking a Client to Small Claims Court
- Collection Agency for Freelance Debts
- Stop Work for Non-Payment
- Freelancer's Guide to the FDCPA
- Upfront Deposits and Retainers
- The Real Cost of Late Payments
- Cash Flow Management Blueprint
- Accounts Receivable Turnover
- Accounting for Bad Debt
- Best Practices for Invoice Numbering
Disclaimer: Informational purposes only. Not legal advice. Read full disclaimer