What to send when an invoice is 45 days overdue: a firm reminder template, timing advice and the next step if it stays unpaid.
At 45 days you've likely sent two reminders. Now state the consequences you are actually prepared to carry out: pausing work, applying contractual interest, or a final notice.
Below is a copy-ready template. Swap the [brackets] for your details, or let PaidNudge write a tailored version and the rest of the follow-up sequence.
Subject: Invoice [INV-123] (45 days overdue) for [amount] Hi [Name], Invoice [INV-123] for [amount] is now 45 days overdue despite reminders on [dates]. Unless payment is received by [date], I will [pause further work / apply interest at the contractual rate of X% / issue a final notice]. If you can't pay the full amount, reply by [date] with a proposal and I'll consider a short payment plan. Thanks, [Your name]
Paste the amount, client, days overdue and region. Get the friendly, firm and final emails plus late-fee wording and calendar reminders in 20 seconds. 2 free, no signup.
Generate my sequence freeOnly if your contract or terms (agreed before the work) include one, or a statute gives you the right (for example UK and EU business-to-business statutory interest). Adding a new penalty to an existing invoice usually isn't enforceable.
Email first so there's a written record, then a short call if there's no reply. Confirm anything agreed on the phone by email.
Move one step up the ladder: friendly → firm with deadline → final notice / letter before action → small claim or collection.
General information and draft wording only. Not legal advice. PaidNudge is not a law firm or a debt collector. Check your contract and local rules, or ask a qualified lawyer, before relying on any late fee, interest or court step.