RedCapra · free tool

Late-payment chase letter, with the statutory maths done right

For freelancers and small businesses chasing unpaid B2B invoices in France or the UK. Statutory interest computed period-by-period at the real semester-locked rates, the fixed recovery compensation added, and a ready-to-send letter — a courteous relance or a formal mise en demeure / letter before action.

Everything you type stays in this page — there is no server on the other end of this form. Rates verified against official sources on 2026-09-04; 2026 due dates only. We build software, not legal advice: a demand letter has consequences, so read it before you send it.

Your client is:

You (name, company)Your address

Client (name, company)Client address

Unpaid invoices (amounts including VAT — interest is computed on the gross amount)

compute through

What this tool will not do

It refuses consumer debtors (the statutory regime is B2B only — a €40-penalty letter to a consumer would be wrong in law), refuses due dates outside 2026 (our rate table is verified for 2026 only, and the French statute itself changes on 1 January 2027), and covers France and England & Wales only — Germany and other countries have different transposed rates we have not verified, so we do not guess them. Chasing debt has procedural consequences: this is a well-informed template, not legal advice, and if the amount matters to you, a professional should look before you send.