Working Capital Calculator
How much cash does your wholesale operation actually need? Model working capital requirements from inventory days, receivable days and payable days, and size your credit facility.
How working capital is built
- Inventory: daily COGS times days inventory outstanding.
- Receivables: daily revenue times days sales outstanding.
- Payables: daily COGS times days payable outstanding, which you subtract: supplier credit funds part of the cycle.
- Total: net working capital plus one month of operating expenses.
- Growth and facility: revenue at your growth target times your working capital ratio, minus today's requirement, is the extra capital growth needs. The facility is today's requirement plus your buffer, plus that growth capital.
Net terms to retailers raise DSO and tie up cash; longer supplier terms raise DPO and release it. A 10-day change in either moves working capital by 10 days of revenue or COGS.
Keep going
Cash Flow Gap Calculator
The gap between paying your supplier and getting paid by your retailer is real cash out of pocket. Model the days and dollars of your working capital gap.
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