How much of your cash comes from your biggest customers
Customer concentration here means each customer's share of the invoice payments recorded in Xero for the dates you choose, after refunds. It describes the period you picked. It is not a forecast.
By Manny Sidhu · Practical guide · Published · Updated
What counts as cash in this measure
AirCEO measures cash from customers as net recorded invoice collections in Xero: invoice payments recorded against each customer, minus refunds to that customer, grouped by payment date.
Prepayments, overpayments, and receive-money transactions are not included, so the total is not every dollar that reached the bank. It is ranked by money collected, not by money invoiced. A customer with large invoices who has not paid yet can rank lower here than in a ranking by invoiced sales.
How each share is worked out
A customer's share is that customer's net recorded collections divided by total net recorded collections for the same dates, multiplied by 100. Every customer with recorded collections in the period gets an amount, and a share when one can be calculated.
When shares can be calculated, the answer names the five largest customers by default, or from 1 to 20 if you ask for a specific number, and shows the total next to them. Each share is listed on its own. The answer does not add them into a combined figure.
An illustrative example
Illustrative example, not customer data: in the second quarter, net recorded collections are A$400,000. The largest customer paid A$120,000, a 30% share. The next two paid A$60,000 and A$40,000, shares of 15% and 10%.
The same customers might rank in a different order on invoiced sales, because invoices raised late in the quarter may not be paid until the next one.
When shares are withheld
A share only means something when every payment belongs to a known customer and the total is positive. AirCEO links a payment to a customer through the invoice or credit note it was recorded against. Payments without that link stay unattributed, and the answer says so.
If any payment is unattributed, if total net collections are zero or negative, or if refunds to one customer exceed that customer's payments, the shares are withheld and the answer says so. Each customer's amount is still shown.
Dates, coverage, and currency
Days outside the Xero history AirCEO has synced are not counted as zero. If the final day of your range was only partly synced, the answer says so. When only that last day is missing, it can answer for the days before it and states the date it stopped at.
All amounts must be in one currency: AUD, USD, SGD, or EUR. If the payments in the period use more than one currency, AirCEO does not combine them. The answer stops and says the amounts are in mixed currencies.
What the measure does not tell you
The breakdown describes how collections were spread across customers in the dates you chose. It does not predict future revenue, the chance of losing a customer, or a customer's creditworthiness.
Ask Alex does not say whether a share is too high or what to do about it. It shows the amounts, the shares, and the records behind them so the judgment stays with you.
What each answer shows
Every Ask Alex answer lists its source, scope, time, assumptions, and calculation, along with the Xero payments and refunds behind each figure. The amounts and shares are calculated by code from those records.