2 min read
WCR ≈ revenue ÷ 365 × (debtor days + stock days − creditor days). Positive means cash is tied up in the cycle.
How to use it
Enter your annual revenue and your average debtor, stock and creditor days. The calculator works out the net working-capital days — how long your cash is tied up between paying for stock and collecting from customers — and turns it into a pound figure.
A positive result is cash locked in the business just to keep trading; it grows as you grow, which is why profitable companies still run short of cash. Pulling debtor or stock days down, or pushing creditor days out, frees it up.
Everything runs in your browser — nothing you type is sent or stored. Results are illustrative, not a quote or a credit decision.
Frequently asked questions
Why does growth make this worse?
Because the requirement scales with revenue. Sell 50% more and you tie up roughly 50% more cash in stock and unpaid invoices before the extra profit lands. This is the classic reason growing firms need a working-capital facility.
Is this an exact figure?
It's a solid estimate. It uses revenue as the basis for simplicity; a stricter version uses cost of sales for stock and purchases for creditors. The direction and rough scale are what matter for planning.
Is this a quote?
No — it's a free illustration. Your actual Credicorp offer depends on an assessment of your company.
Related reading
Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.