Working Capital Calculator
Estimate how debtor, creditor and stock days affect day-to-day cash needs. The model combines the cash-conversion cycle, current cash, costs, growth and your desired safety buffer.
Your assumptions
Use the slider or enter an exact value.
Estimated working-capital requirement
Monthly cash gap
Suggested minimum cash buffer
Indicative funding requirement
Cash-conversion cycle
Cash tied up in operating cycle
Growth working-capital allowance
These results are estimates and do not constitute an offer of finance. Actual rates, fees, terms and eligibility will depend on the applicant, lender assessment, security and full underwriting.
How This Estimate Is Calculated
See What Funding May Be Available
Your calculation is already attached. Add only the details needed for a specialist to review possible options.
No credit search is performed by submitting this form.
Frequently asked questions
Can the result be negative?
The funding requirement is floored at zero. A zero result means the inputs do not show a modeled shortfall, not that finance is unnecessary.
Why do creditor days reduce the cycle?
Longer agreed supplier terms allow the business to hold cash for longer before paying, although stretching suppliers beyond agreed terms may create risk.
Should I use gross or net revenue?
Use business revenue excluding VAT where possible and enter operating costs on a consistent basis.