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Cash flow, working capital, receivables financing and supplier discounts.
Daily projection of the business balance with payment methods, installments, supplier terms, payroll, rent and taxes.
Daily balance and when cash gets tightWorking capital need from collection, inventory and payment terms, the cash conversion cycle and the cost of each way to fund it.
Need from terms and the cost of each funding optionReal cost of advancing card sales or invoices, with the effective rate and a comparison with loans, credit lines and waiting.
Real cost of advancing card sales and invoicesInterest hidden in supplier terms compared with your return on cash and the cost of a loan, and how much you gain by paying early.
Interest hidden in the supplier’s termsWork out an overdue bill with a late fee, daily or compound late interest and an optional inflation adjustment, from dates or days late.
Overdue bill: fee, interest and adjustmentCalculate the bad debt allowance by aging bucket, days sales outstanding and how much cash late payments tie up in receivables.
Allowance, DSO and cash tied upBusiness financial ratios (liquidity, leverage, profitability and efficiency) with a traffic light, a 0–10 score and the cash cycle.
Liquidity, debt, margins and cash cycleEconomic order quantity, safety stock, reorder point, turnover and the cost of idle inventory.
How much and when to buyBurn rate, runway, break-even month, default alive or default dead, and when to start the next fundraise.
Months of cash, default alive and when to raiseImportant notice: PersonalCalcs calculators are educational tools that produce estimates from the data you enter and from standard financial formulas. Results are not investment, tax, legal or accounting advice and are not an offer or recommendation to buy or sell any security or financial product. PersonalCalcs is not a bank, broker or licensed financial adviser. Rates, taxes and rules vary by country and change over time: check with an official source or a qualified professional before making decisions. By using this site you agree to the Terms of Use.
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