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Debtor Days (DSO)
How long your customers take to pay. Every day above your benchmark is cash you're owed but don't have. Most Indian SMEs have 20–40 days of unnecessary credit extended to customers.
Free diagnostic tool
How much cash is locked in your working capital cycle?
Enter three numbers. Get an instant estimate of trapped cash — and a benchmark against your industry peers. Takes 60 seconds.
For founders who take finance seriously
Know your numbers.
Know your numbers.
Own your growth.
Working capital isn't just a CFO's problem — it's the difference between a business that scales and one that stalls. This free tool shows you exactly where your cash is trapped.
- Instant estimate based on DSO, DIO and DPO
- Benchmarked against best-in-class targets
- No login, no data stored — completely free
Your working capital metrics
Use your last 12 months of data. Estimates are fine — direction matters more than precision.
Cash you could free up
Faster collections (debtors)
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Leaner inventory
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Extended supplier terms
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Total potential release
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Enter your working capital metrics on the left to see your estimate.
How this is calculated
We compare your current metrics against best-in-class benchmarks.
Debtors = (Your DSO − Target) × Daily Revenue
Inventory = (Your DIO − Target) × Daily Revenue
Payables = (Target DPO − Your DPO) × Daily Revenue
A directional estimate. A full engagement uses your actual ledgers, debtor ageing and SKU-level data for precision.
Want the full picture?
Book a free 30-minute Cash Flow Diagnostic.
Actual ledger analysis, customer-level debtor ageing, SKU-level inventory and a 90-day action plan. No cost, no obligation.
The working capital cycle
Three levers. One number that tells you everything.
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Inventory Days (DIO)
How long stock sits before it's sold. Overstocked warehouses are silent cash destroyers — especially with slow-moving or dead SKUs that haven't moved in 6+ months.
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Creditor Days (DPO)
How long you take to pay suppliers. Most SMEs pay within 15–20 days out of habit or goodwill. Negotiating 45-day terms is free working capital — and costs nothing if done right.