Large UK wholesale and retail trade companies take a median of 37 days to pay supplier invoices, 6 days slower than the UK median of 31 days. The sector ranks 3 of 18, where 1 is the slowest payer.
Figures cover large UK companies paying all their suppliers.
Rank 3 of 18 by median days to pay, where 1 is the slowest. The dark bar is wholesale and retail trade.
At the median company, 15% of invoices are paid late, the same as the UK figure of 15%.
The middle half of companies pay in 28 to 47 days. A quarter take longer than 47 days.
8% of invoices take more than 60 days at the median company, against 5% across the UK.
3,395 wholesale and retail trade companies became insolvent in England and Wales over Sep 2025 to Aug 2026, rank 2 of 18 by number of cases. This is a count, not a rate.
Businesses that sell to wholesale and retail trade companies can compare these figures with their own debtor days, or check how fast a single customer pays. Paidnice is UK credit control software that sends reminders and adds late fees on overdue invoices in Xero or QuickBooks. See Paidnice for wholesalers. For the wider picture, read the accounts receivable statistics for the UK.
Wholesale of wine, beer, spirits and other alcoholic beverages is the slowest trade at 48 days. Wholesale of other fuels and related products is the fastest at 20 days.
| Trade (SIC) | Median days | Middle half | Paid late |
|---|---|---|---|
| Wholesale of wine, beer, spirits and other alcoholic beverages (46342)23 companies | 48 | 36.5 to 57 | 30% |
| Wholesale of pharmaceutical goods (46460)50 companies | 44 | 35.2 to 55.2 | 21% |
| Non-specialised wholesale trade (46900)65 companies | 42.5 | 31.8 to 57.5 | 12% |
| Retail sale of clothing in specialised stores (47710)32 companies | 37 | 26.5 to 53.5 | 22% |
| Retail sale via mail order houses or via Internet (47910)25 companies | 36 | 25 to 49 | 13.5% |
| Other retail sale in non-specialised stores (47190)33 companies | 36 | 33 to 43 | 14% |
| Retail sale in non-specialised stores with food, beverages or tobacco predominating (47110)28 companies | 35 | 27.8 to 40.2 | 9% |
| Sale of new cars and light motor vehicles (45111)127 companies | 31 | 25 to 37 | 11% |
| Wholesale of other fuels and related products (46719)21 companies | 20 | 15 to 29 | 6% |
Cite: Paidnice (2026). UK wholesale and retail trade payment times. https://www.paidnice.com/payment-times/uk/wholesale-and-retail. Source: UK payment practices filings (March 2025 to August 2026), Companies House, Insolvency Service. Figures cover large UK companies paying all their suppliers.
Large UK wholesale and retail trade companies take a median of 37 days to pay, and 15% of invoices run late. Paidnice sends the reminders and adds the late fees in Xero or QuickBooks, so you do not have to chase.
Large UK wholesale and retail trade companies take a median of 37 days to pay supplier invoices, 6 days slower than the UK median of 31 days. The sector ranks 3 of 18, where 1 is the slowest payer.
At the median wholesale and retail trade company, 15% of supplier invoices are not paid within the agreed terms. For all UK large companies the median is 15%.
3,395 wholesale and retail trade companies entered insolvency in England and Wales in the 12 months to Aug 2026. That ranks 2 of 18 sectors by number of cases. This is a count, not a rate, so larger sectors have more cases.
Yes. The Late Payment of Commercial Debts (Interest) Act 1998 lets a business charge statutory interest of 8% a year above the Bank of England base rate on a late commercial invoice, plus fixed compensation of £40, £70 or £100 depending on the invoice amount.
The Reporting on Payment Practices and Performance Regulations 2017 require large UK companies and LLPs to report twice a year on how they pay suppliers. We took each company's latest filing with a period ending March 2025 to August 2026, matched it to its first SIC code on the Companies House register, and grouped companies by SIC section. Each company reports its own average days to pay. We take the median of those company averages, so one extreme filer cannot move the sector result. Trades and sectors publish only with 20 or more companies. Insolvency counts are Insolvency Service figures for England and Wales, Sep 2025 to Aug 2026, not seasonally adjusted.
Sources: UK payment practices service, Companies House, Insolvency Service. Contains public sector information licensed under the Open Government Licence v3.0. Download the sector and trade data (CSV).