Know Your Numbers. Control Your Cash.
Free calculators and plain-English guides to help UK business owners master working capital, get paid faster, and stop running out of cash.
How cash gets tied up: an example
Eight free calculators that show you exactly how cash moves through your business.
Cash Conversion Cycle
Days from paying suppliers to collecting from customers
Working Capital
Whether you have enough to cover short-term obligations
DSO Calculator
How long customers take to pay you
DPO Calculator
How long you take to pay suppliers
DIO Calculator
How long stock sits before it sells
True Cost of a Hire
What a new employee really costs, and the cash you need first
Early Payment Discount
Whether paying a supplier early beats your savings or overdraft
Late Payment Interest
What you can claim on overdue invoices under UK law
Deep-dive guides covering the core working capital topics every business owner should understand.
Cash Conversion Cycle: The Complete Guide for UK SMEs
Everything you need to know about measuring, benchmarking, and improving your CCC.
Complete GuideWorking Capital Finance Options for UK SMEs
Overdrafts, invoice finance, asset-based lending and more – what suits your business.
How to Reduce Your DSO: 9 Practical Strategies
Get paid faster with these proven approaches to shortening your collection cycle.
Complete GuideHow to Extend DPO Without Damaging Supplier Relationships
Hold on to cash longer without burning the bridges you depend on.
Complete GuideNegative Working Capital: Problem or Advantage?
When owing more than you own is actually a sign of strength.
Clear definitions, formulas, and UK benchmarks for every key metric.
- → What Is Working Capital?
- → Days Sales Outstanding (DSO)
- → Days Payable Outstanding (DPO)
- → Days Inventory Outstanding (DIO)
- → Cash Conversion Cycle (CCC)
- → Working Capital Ratio
- → Net vs Gross Working Capital
- → Accounts Receivable Turnover Ratio
- → Debtor Days vs DSO
- → Working Capital vs Cash Flow
- → What Is a Good Cash Conversion Cycle?
Actionable advice for common working capital challenges.
Overtrading: How Growing Too Fast Can Bankrupt a Profitable Business
Why fast-growing, profitable businesses run out of cash – the warning signs and how to fund growth safely.
GuideShould Your Business Use the VAT Cash Accounting Scheme?
Pay VAT only when customers pay you – how the scheme frees up working capital, and who should avoid it.
GuideThe Commercial Payments Bill 2026: What Every UK SME Needs to Know
A 60-day payment cap, mandatory interest, and a retentions ban – what to do now.
GuideMaking Tax Digital for Income Tax: A Working Capital Checklist
MTD is live for sole traders and landlords over £50k – what changes, what it costs, and how to stay ahead.
GuideWhy Is My Business Profitable But Always Short of Cash?
The gap between profit and cash – and how to close it.
GuideMy Customer Is 60 Days Late – What Are My Options?
A step-by-step escalation path from gentle nudge to legal action.
GuideShould You Take an Early Payment Discount or Hold Cash?
The maths behind 2/10 net 30 – and when it makes sense.
GuideHow to Write a 13-Week Cash Flow Forecast
A step-by-step framework for short-term cash visibility.
GuideSeasonal Cash Flow: How to Fund Your Peak Period
Managing the cash gap when costs come before revenue.
GuideHow Much Working Capital Does a New Hire Require?
The true cash cost of hiring – beyond the salary.
Working capital challenges specific to your sector.
Working Capital for Wholesale & Distribution
Breaking the stock-and-credit squeeze – cash tied up in the warehouse and the sales ledger at the same time.
IndustryWorking Capital for Haulage
Funding fuel and wages now while you wait up to 55 days to be paid – and the fuel-surcharge and invoice-finance fixes.
IndustryEcommerce Working Capital
Why growing online brands run out of cash when marketplaces hold your payouts and stock is paid for upfront.
IndustryWorking Capital for Recruitment Agencies
Funding the pay-and-bill gap when you pay temps weekly but bill clients on 60 days.
IndustryWorking Capital for Hospitality
Why cash-rich pubs, restaurants and cafes still run dry – the negative working capital trap.
IndustryWorking Capital for UK Retailers
Managing inventory, seasonal swings, and supplier terms in retail.
IndustryWorking Capital in Construction
Retentions, staged payments, and long project cycles.
IndustryCash Flow for Professional Services
When your biggest cost – people – gets paid before your clients pay you.
IndustryManufacturing Working Capital
Solving the DIO problem when raw materials tie up cash for months.
Side-by-side comparisons to help you choose the right funding.
Invoice Finance vs Bank Overdraft
Costs, flexibility, and which suits a growing business better.
ComparisonFactoring vs Invoice Discounting
Both advance cash against invoices – here is what sets them apart.