Working capital calculator
Enter your monthly revenue and expenses and how many days customers, stock and suppliers each take, and see your cash gap in days and dollars and the funding types that suit it.
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Example numbers. Change them to match your books.
Everything you pay out in a month: stock, payroll, rent.
How long customers take to pay you. 0 if they pay at the sale.
How long stock sits before it sells. 0 if you hold none.
How long you take to pay your suppliers.
Your cash gap
$103,562
45 days between paying out and getting paid
- One day of expenses
- $2,301
- Waiting in receivables
- $118,356
For comparison: carrying $103,562 for 45 days at 10.98% APR, a bank small-business average for owners who qualify, costs about $1,402 in interest.
Find my fundingYour gap and revenue carry into the quiz, already filled in.
Uses averages and a 365-day year. A seasonal business can have a bigger gap in its busy months. An estimate, not an offer.
Funding that suits this gap
Lower-cost options first. Each links to a guide with its costs, terms and who it suits.
- SBA 7(a) loan
If the gap is lasting, for example because you are growing, the SBA says 7(a) loans can pay for short- and long-term working capital. They take several weeks or longer to fund.
Typical cost: 10% to 15% APR. Term: 10 years or less; up to 25 years for real estate.
- Business line of credit
A cash gap comes back every cycle. A line lets you draw only what you need and repay when customers pay you.
Typical cost: 10% to 99% APR.
- Invoice factoring
Most of your gap is customers' unpaid invoices. If other businesses owe you, factoring turns those invoices into cash now.
Typical cost: estimated 10% to 79% APR. Term: until your customer pays the invoice.
- Online term loan
A fixed sum repaid on a schedule suits a one-time jump in the gap, such as a large order.
Typical cost: 14% to 99% APR. Term: 6 months to 7 years.
- Merchant cash advance
Can fund the same day you apply, but its estimated APR range is the highest on this list. Compare its cost in dollars first.
Typical cost: estimated 40% to 350% APR. Term: many advances are repaid within 3 to 18 months.
How the math works
- Cash gap in days = inventory days + receivables days - payables days. This is the cash conversion cycle.
- One day of expenses = monthly expenses x 12 / 365.
- Cash gap in dollars = one day of expenses x the gap in days. It is the cash you have to front before sales turn back into money in the bank.
- Waiting in receivables = monthly revenue x 12 / 365 x receivables days.
With the example numbers, 30 inventory days plus 45 receivables days minus 30 payables days is a 45-day gap. At $70,000 a month in expenses, one day costs about $2,301, so the gap is about $103,562.
The funding list does not use cutoffs. It links each product type to what drives your gap. Read the guides to lines of credit, invoice factoring, SBA loans, term loans and merchant cash advances.
Common questions
Sources
- Corporate Finance Institute, Cash Conversion Cycle ("Cash Conversion Cycle = DIO + DSO - DPO"), accessed Oct 20, 2026
- U.S. Small Business Administration, 7(a) loans (uses include short- and long-term working capital), accessed Oct 20, 2026
- NerdWallet, Business loan interest rates (APR ranges by product; bank small-business loan 6.37% to 10.98%, updated Sep 16, 2026), accessed Oct 20, 2026
- NerdWallet, Is a Merchant Cash Advance Right for Your Business? (funding speed, repayment terms), accessed Oct 20, 2026
- NerdWallet, Invoice Factoring (how factoring works), accessed Oct 20, 2026