Ecommerce Working Capital: Why Growing Online Brands Run Out of Cash
Online brands pay for stock and ads upfront while marketplaces hold the cash. A UK guide to the ecommerce cash conversion cycle, payout lags and how to fund the gap.
Industry Guides
Working Capital for Hospitality: Why Cash-Rich Pubs and Restaurants Run Dry
Hospitality gets paid instantly and pays suppliers later, so why is cash so tight? The negative working capital trap in UK pubs, restaurants and cafes explained.
Working Capital for Recruitment Agencies: Funding the Pay-and-Bill Gap
Recruitment agencies pay temps weekly but invoice clients on 30-60 days. Here's why the pay-and-bill gap eats cash as you grow, and how to fund it.
Manufacturing Working Capital: Solving the DIO Problem
Manufacturing working capital is the tightest of any UK sector, with a cash conversion cycle of 86 days – meaning cash is locked up for nearly three months between paying…
Cash Flow for Professional Services Firms
Cash flow in professional services is undermined by a deceptively simple problem: your biggest cost – your people – must be paid on the last day of each month, but…
Working Capital in Construction: Managing Retentions and Delays
Working capital in construction is uniquely challenging because the sector has the highest days sales outstanding of any UK industry at 68 days, driven by stage payment cycles, contractual retentions,…
Working Capital Management for UK Retailers
Working capital in retail is dominated by inventory – the typical UK retailer has a cash conversion cycle of just 15 days, but that short cycle masks a constant battle…