CAPITAL TOOL 01
Working Capital
Needs Calculator
Estimate the cash required to cover the time between paying operating expenses and receiving customer payments.
HOW THE ESTIMATE WORKS
Start with the timing, not the product.
The calculator combines monthly operating cash outflows with the estimated number of days cash remains committed. It then adds one-time costs, subtracts cash available for the project, and applies your selected planning reserve.
A useful estimate should be tested against a detailed cash-flow forecast, current debt payments, seasonality, customer concentration, and the expected source of repayment.
Monthly cash outflows×Cash-gap days ÷ 30+One-time costs−Available cash
FROM ESTIMATE TO STRUCTURE
Understand the need before choosing the financing.
A line of credit, term facility, receivables structure, or another path may address working capital differently.