Working Capital Loan Tool

Global Working Capital Loan Tool

Estimate your working capital requirement and see if a loan fits – no currency symbols, just numbers.

USD EUR GBP INR JPY AUD CAD

Business & Operating Cycle

Annual Sales

Cost of Goods Sold (% of sales)

Inventory Days

Receivable Days

Payable Days

Existing Capital & Loan Request

Existing Working Capital (if any)

Desired Loan Amount

All figures in USD

Working Capital Requirement

0

estimated

Working Capital Gap

0

requirement – existing

Suggested Loan

0

to fill the gap

Eligibility

--

for desired loan

✨ Note: This tool provides estimates for educational purposes only. Actual working capital requirements and loan eligibility depend on detailed financial analysis and lender criteria.

📊 Formulas:
• Daily operating cost = (annual sales × (COGS%/100)) / 365.
• Operating cycle days = inventory days + receivable days – payable days.
• Working capital requirement = daily operating cost × operating cycle days.
• Working capital gap = requirement – existing working capital (if positive).
• Suggested loan = gap (if positive), otherwise 0.
• Eligibility = "Eligible" if desired loan ≤ suggested loan, otherwise "Not Eligible".

🔒 Privacy first: All calculations happen locally in your browser. No data is sent to any server.

Working-Capital-Loan-Tool