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Working Capital Calculator
Check your business's financial health instantly. Enter your assets and liabilities to see your working capital and compare against industry standards.
Your Business Metrics
Cash + Accounts Receivable + Inventory
Accounts Payable + Short-term Debt
Select your industry for benchmark comparison
Financial Health Score
Higher ratios indicate stronger financial health. A ratio above 1.5 is generally considered healthy.
Working Capital i Your current assets minus current liabilities. This shows how much liquid cash your business has available. Positive = healthy!
Financial Health Status i Overall assessment of your working capital based on your ratio and industry benchmarks. Higher ratios indicate stronger financial health.
What This Means i Practical interpretation of your working capital position and what actions you should consider for your business.
Financing Options
Need Working Capital? See If You Qualify
Answer 4 quick questions to check your financing options
Takes 30 seconds - No impact on credit score
Question 1 of 4
We're Here to Help
Based on your answers, you may not meet our standard requirements for this funding option right now. However, you may still qualify for other financing solutions!
Minimum requirements for this funding option:
- At least 1 year in business
- Minimum $15,000 monthly revenue
- Credit score of 600 or higher
Great News! You May Qualify
Based on your answers, you appear to meet our initial requirements. Enter your details to receive your personalized financing offer.
Enter Your Information
Get your personalized offer in 24 to 48 hours
🔒 Your information is secure. Final funding decisions are subject to underwriting review and approval.
What is Working Capital?
Working capital is the difference between your business's current assets and current liabilities. It represents the liquid assets available to meet day-to-day operational expenses and short-term obligations. Positive working capital indicates that your business can cover its short-term debts and has resources for growth, while negative working capital may signal cash flow challenges. A healthy current ratio (assets divided by liabilities) is typically 1.5 or higher, though ideal ratios vary by industry. Managing working capital effectively is crucial for business stability, growth, and the ability to seize new opportunities.