Cash & working capital

What you actually have, when it runs out, and what it costs to bridge the gap.

• 13-Week Cash Flow Forecast

  Find the week your cash gets tightest — before it happens.

  Replaces: CFO consulting engagements and $200 spreadsheet templates

• AR Aging & Bad Debt Provision

  How much of what you are owed you will actually collect.

  Replaces: Credit-control consultants and paid receivables modules

• Cash Conversion Cycle Calculator

  How many days your money is trapped between paying suppliers and getting paid.

  Replaces: Working capital consultants and paid CFO dashboards

• Early Payment Discount & Factoring APR

  Turn “2/10 net 30” or a factoring fee into the annual rate it actually is.

  Replaces: Factoring brokers’ private spreadsheets

• Free Cash Flow Calculator

  The cash left from operating profit after tax, working capital and capital spending.

  Replaces: FP&A cash flow models

• Inventory Carrying Cost Calculator

  What holding stock costs you a year — the number that never appears on an invoice.

  Replaces: Supply-chain consulting reviews and paid ERP analytics

• Merchant Cash Advance True APR

  What a merchant cash advance really costs as an annual rate, not a factor rate.

  Replaces: Broker quotes that only show a factor rate

• Revenue-Based Financing Cost

  What revenue-based financing really costs a year, given how fast your revenue grows.

  Replaces: Provider dashboards that show only the repayment cap

• Runway & Hiring Plan Calculator

  How long the money lasts, and what each new hire costs you in weeks of runway.

  Replaces: Paid CFO tooling and $99 founder spreadsheet templates

• Seasonal Cash Gap

  A seasonal business needs funding for its worst month, not its average one.

  Replaces: Bank facility sizing conversations

• Working Capital Requirement

  How much cash your operation needs standing still — and what growth will cost.

  Replaces: Bank facility sizing exercises and CFO consulting