ATLAS / PLANNING TOOLS
Working capital cycle calculator.
Estimate inventory, receivables and payables from sales, direct costs and payment days to understand operating working capital.
How this model works.
Assumes steady sales and direct costs across a 365-day year, with credit terms represented by the average days entered.
Inventory and payables use daily cost of goods sold; receivables use daily sales.
Excludes GST, fixed operating expenses, cash balances, other current assets and liabilities, and seasonality. It estimates operating cash tied up, not total balance-sheet working capital or a loan requirement.
ILLUSTRATIVE STARTING ASSUMPTIONS
Start with a scenario, then change it.
The tool opens with these example inputs. They are planning assumptions and do not represent a lender offer.
- Annual sales, excluding GST ($): 1,000,000
- Annual cost of goods sold ($): 600,000
- Average inventory holding days: 30
- Average customer payment days: 45
- Average supplier payment days: 30
Questions about this tool
Where is cash tied up?
Try reducing customer payment days or changing inventory holding days to see the effect. A negative estimate can reflect supplier funding of the cycle; it does not mean the business has no cash risks.
Does this tool determine approval or borrowing capacity?
No. It models the values you enter. It does not assess credit history, lender eligibility or approval.
Can I change the example assumptions?
Yes. Enter figures from your own scenario or a specific written proposal, and check the model assumptions before relying on the result.
Model methodology describes Atlas’s illustrative calculation, not any provider’s underwriting rules. Check the actual proposal and obtain advice appropriate to your circumstances.