Free tool · 30 seconds
How much cash is trapped in your business?
See how much money is sitting in receivables and inventory, what it costs you to finance it, and how much you could free up. No sign-up.
Your result
Cash trapped in operations
—
Annual cost of financing it
—
Cash conversion cycle
— days
Where is the money?
- Receivables (customers)
- —
- Inventory
- —
- Less: suppliers
- —
Opportunity
How is it calculated?
The cash conversion cycle measures how many days your money is tied up in operations, from paying suppliers to getting paid by customers:
Cash cycle = days to collect + days of inventory − days to pay
Trapped cash is what you hold in receivables plus inventory, minus what suppliers finance for you. If you cover it with credit, its annual cost is trapped cash times your interest rate.
This is a reference estimate. In a diagnostic we work with your real numbers, by customer, product and supplier.
Frequently asked questions
What is a good cash conversion cycle?
It depends on the industry, but as a general reference a cycle under 30 days is usually healthy. Above 60 days you're typically financing your customers or your warehouse.
How can I free up cash without selling more?
The fastest levers are collecting sooner (credit policy and early-payment discounts), cutting slow-moving inventory and negotiating supplier terms.
How long do US small businesses wait to get paid?
About 29 days on average, with payments arriving 8.5 days late on average (Xero Small Business Insights, Q2 2026). And 47% of small businesses have invoices more than 30 days overdue, with $17,500 owed per business on average (Intuit QuickBooks, 2025).
Is my data stored?
No. The calculation runs in your browser. We only receive your data if you ask for the analysis.
Want to free up that cash?
In 20 minutes we review your numbers and tell you where to start.