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.
Five 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
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.
Why 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 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.