US payment trends by region from Xero Small Business Insights
US Payment Analysis Dashboard — Explore payment statistics across US regions:
Data source: Xero Small Business Insights
The Midwest region shows varying payment times, with businesses waiting approximately 25.8 days on average to receive payment for their invoices in recent months, peaking at 31.5 days.
The Northeast shows some of the longer payment times in the US, with businesses waiting around 28.9 days on average to receive payment. The region has experienced significant variability with peaks reaching 41.4 days.
Southern businesses experience moderate payment times of approximately 29.8 days on average, fluctuating over time with periods of faster and slower payments.
Western region businesses see average payment times of around 32.6 days, showing a trend of improvement from earlier periods where times exceeded 40 days.
The national average for US businesses is around 29.8 days, balancing the faster payment times in the Midwest with the slower times in the West.
| Region | Time to be Paid (Days) | YoY Change |
|---|---|---|
| Midwest | 25.8 | -2.3% |
| Northeast | 28.9 | +0.4% |
| South | 29.8 | -1.5% |
| West | 32.6 | -3.2% |
| United States (All) | 29.8 | -1.5% |
The Time to be Paid metric captures how long businesses wait to receive payment, providing insight into customer financial health and small business cash flow. This metric is calculated from invoices marked as fully paid in the relevant month, with the following methodology:
US Regional Definitions:
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