You already have the file. This turns it into an answer.

"Your DSO is 51 days" is a number your client nods at and forgets. "These three customers owe you ₹11 lakh, one of them is sitting on a dispute nobody chased, and these five you should leave completely alone" is advice they act on that afternoon.

It's the same file. The difference is that each customer is measured against their own payment history rather than a common yardstick — which is the analysis you'd do by hand if there were time for it.

Run it yourself. Take a client's Outstandings and Bills Cleared exports, upload both, and read the plan. Nothing is stored unless you're signed in, and the free health check needs no account at all — so you can try it on real data before deciding anything.

Or point them at it. It's self-serve and priced for an SMB to buy without involving you. They export, they upload, they work their own list. You aren't taking on a support burden.

Multiple clients? Each business needs its own workspace, since the analysis learns from one ledger's history. If you'd handle several, get in touch — we'd rather hear how you actually work before building something for it.

• Bill-wise details must be on in the client's Tally, or the export carries only a party balance with no invoice-level ageing to read.
• Bills Cleared matters. Without settled invoices there's no payment history, so you get totals and ageing but no behavioural judgement. We say so on screen rather than guessing.
• Credit notes and advances aren't netted off yet, and a sales-return-heavy business can produce a false dispute flag. Worth a glance before passing it on.
• We check ourselves against your file. Most exports carry a Grand Total row, and we compare our arithmetic to Tally's own and tell you if they disagree.

We'd rather list these here than have you find them in front of a client.

Advising clients on payables too? Section 43B(h) — the 45-day MSME payment rule covers what changed, who it applies to, and how to track it before a deduction gets disallowed.