Understand Business Financial Metrics on Your Dashboard

Track payables, receivables, average customer spend, and average supplier spend in Kuvera Arc to stay on top of cash flow and financial risk.

The Business Financial Metrics section gives you a concise view of your business’s financial health without running full reports. Use it to monitor what your business owes, what customers owe you, and how money is moving through both sides of your operation.

What this section includes

Business Financial Metrics section on the dashboard

Payables

The total outstanding amount your business owes to suppliers for goods or services received on credit.

Receivables

The total outstanding amount customers owe your business for sales made on credit or deferred payment.

Average Spent by User

The average amount each customer spends per transaction.

Average Spent on Supplier

The average amount your business spends per supplier.

Review these metrics together for the clearest view of cash flow, collections, supplier obligations, and spending patterns.

Payables

Payables represent the total amount your business currently owes to suppliers. This figure increases when you purchase on credit and decreases when supplier payments are made.

Payables metric

Purchasing on credit is increasing

Rising payables may mean your business is purchasing more inventory or services using supplier credit terms.

Outgoing cash pressure is growing

If payables increase faster than available cash, upcoming supplier payments may put pressure on cash flow.

Supplier obligations are accumulating

Payables that remain high for long periods may indicate that supplier balances are not being cleared quickly enough.

High and growing payables without active management can create cash shortages and make it harder to meet supplier payment deadlines.

Receivables

Receivables represent the total amount customers currently owe your business. This figure increases when sales are made on credit and decreases when customers settle their balances.

Receivables metric

Cash is tied up in collections

High receivables may mean a large portion of your revenue has not yet been collected as cash.

Customers are taking longer to pay

If receivables keep rising, review whether customers are settling invoices within the expected payment period.

Liquidity may be lower than revenue suggests

Strong sales can still create cash pressure if payments are delayed.

High receivables can look like strong sales, but they are not available cash until collected. Review receivables alongside bank and cash balances.

Average customer spend

Average Spent by User shows the average transaction or spending value per customer. It helps you understand how much each customer contributes to revenue on average.

Average Spent by User metric

Customer behavior

Understand how much customers typically spend when they buy from your business.

Transaction size

Benchmark typical transaction values and compare them over time.

Revenue opportunity

Identify opportunities to increase revenue through pricing, bundling, promotions, or upselling.

Performance tracking

Monitor whether average customer value is improving, declining, or staying stable.

If average customer spend is lower than expected, review pricing, promotions, product bundling, and upsell opportunities.

Average supplier spend

Average Spent on Supplier shows the average amount your business spends per supplier. It helps you understand how purchasing is distributed across your supplier base.

Average Spent on Supplier metric

Supplier distribution

Understand which suppliers receive the largest share of your purchasing budget.

Purchasing concentration

Identify whether spending is concentrated with only a small number of suppliers.

Dependency risk

Assess whether your supplier base is diversified enough to reduce disruption risk.

Cost control

Monitor supplier spending patterns to keep purchasing costs under control.

A high average spend on a small number of suppliers may indicate over-reliance. If those suppliers face disruptions, procurement and inventory continuity could be affected.

Interpret the metrics together

These metrics are most useful when reviewed together instead of separately.

High payables + low receivables

Supplier obligations are growing faster than customer collections. Cash pressure may increase if this imbalance is not addressed.

High receivables + strong sales

Sales volume may look healthy, but delayed collections can keep available cash lower than revenue suggests.

Low average customer spend

Customers may be making smaller or less frequent purchases, limiting revenue growth even when customer counts are stable.

High average supplier spend

Purchasing may be concentrated with fewer suppliers, increasing cost exposure and supply chain dependency.

A balanced financial position means money coming in and money going out are managed well across customers, suppliers, and operations.

Use this section day to day

Use this section as a quick financial control panel during routine dashboard reviews.

Assess cash flow strength

Compare payables and receivables to understand whether near-term cash flow is healthy or under pressure.

Manage financial risk early

Watch for rising obligations, delayed customer payments, or supplier concentration before they become larger issues.

Review revenue quality

Use average customer spend to understand whether customers are generating enough value per transaction.

Monitor supplier spending

Use average supplier spend to keep purchasing costs visible and identify dependency risks.

Plan follow-up actions

Open Finance, Sales, or Purchase when a metric needs deeper review.

Review Finance

Check bank accounts, payables, receivables, and financial records.

Review Sales

Check customer invoices, payments, and sales activity.

Review Purchase

Check supplier documents, purchase orders, bills, and obligations.