Debtor days (DSO)
How long your customers take to pay. Every day above your benchmark is cash you are owed but don't have. Most Indian SMEs extend 20–40 days of unnecessary credit.
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 best-in-class targets. Sixty seconds, no login, nothing stored.
Your working-capital metrics
Use your last twelve months of data. Estimates are fine; direction matters more than precision.
Cash you could free up
Faster collections (debtors)—
Leaner inventory—
Extended supplier terms—
Total potential release—
Enter your revenue and current working-capital days to see an estimate.
How this is calculated. 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.
The working-capital cycle
Three levers. One number that tells you everything.
Cash-conversion cycle = debtor days + inventory days − creditor days. The lower, the better.
Inventory days (DIO)
How long stock sits before it is sold. Overstocked warehouses are silent cash destroyers, especially slow-moving or dead SKUs that haven't moved in six months.
Creditor days (DPO)
How long you take to pay suppliers. Most SMEs pay within 15–20 days out of habit. Negotiating 45-day terms is free working capital, done right.
The 12-point cash-flow diagnostic checklist
A one-page checklist to find exactly where cash is hiding in your business and how to release it. Free, no sign-up.
Common questions
Frequently asked questions
How is the estimate calculated?
We compare your current metrics with the benchmark targets. Debtors: (your DSO minus target) times daily revenue. Inventory: (your DIO minus target) times daily revenue. Payables: (target DPO minus your DPO) times daily revenue. The three add up to the potential release. It is a directional estimate; a full engagement uses your ledgers, debtor ageing and SKU-level data.
What is a good cash-conversion cycle for an Indian SME?
Debtor days plus inventory days minus creditor days. Many Indian SMEs run at 60–120 days. Best-in-class businesses in the same industry run at 30–45. Service businesses with no inventory should be well under 60.
Is my data stored?
No. The calculator runs entirely in your browser. Nothing you type is sent to us or stored anywhere.
Next step
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.