Estimate working capital, current ratio, quick ratio, net working capital requirement, and cash conversion cycle from your balance sheet and operating data. Illustrative results only.
Working capital · Current ratio · Quick ratio · Cash conversion cycle · Liquidity
Used to calculate how long cash is tied up in your operating cycle. Enter annual figures.
| Cash & equivalents | — |
| Accounts receivable | — |
| Inventory | — |
| Prepaid & other | — |
| Total Current Assets (est.) | — |
| Accounts payable | — |
| Short-term debt | — |
| Accrued & deferred | — |
| Other current liabilities | — |
| Total Current Liabilities (est.) | — |
| Net Working Capital (est.) | — |
It calculates net working capital (current assets minus current liabilities), current ratio, quick ratio, cash ratio, and — if you provide operating data — the cash conversion cycle (DIO + DSO − DPO). All are illustrative estimates based on your inputs and simplified formulas.
Enter balance sheet figures from your latest management accounts or filed accounts. For the cash conversion cycle, enter your annual COGS, revenue, and purchases alongside the balance sheet inventory, receivables, and payables already entered above. Use actual figures — not estimates.
This tool uses point-in-time balance sheet data. Working capital fluctuates significantly throughout the month and year — a single snapshot may not represent your typical position. The cash conversion cycle formula assumes annual averages. Seasonal businesses will find these figures particularly unreliable for planning.
Working capital is the capital a business uses for its day-to-day operations — the difference between current assets and current liabilities. Adequate working capital is essential for meeting short-term obligations, funding operations, and avoiding cash flow crises. Too little working capital signals liquidity stress; too much may indicate inefficient use of capital.
Payment processing directly affects working capital through two channels. First, settlement timing — the delay between a card payment being made and the funds arriving in your bank account (typically 1–3 business days for standard processors) creates a float that reduces immediately available cash. Second, payment failure and chargeback reserves held by processors can tie up working capital. For businesses with significant card volume, choosing a processor with faster settlement or lower reserve requirements can meaningfully improve working capital position. QuadraPay is a payment solutions reseller — we can refer merchants to acquiring partners. No specific terms are guaranteed.
Settlement timing and reserve requirements from your payment processor directly affect working capital. We connect businesses to acquiring partners across 32 countries to find suitable processing solutions.
Estimation Tool Only — Not Financial or Accounting Advice. The QuadraPay Working Capital Calculator and all other tools on this website (collectively, "the Tools") are provided solely for general informational and illustrative purposes. All working capital figures, liquidity ratios, cash conversion cycle estimates, and any other outputs are approximations only, produced by simplified mathematical models applied to your inputs. They are not audited financial statements, management account figures, or professionally prepared financial analysis.
No Accuracy Guarantee. QuadraPay makes no representation, warranty, or guarantee — express or implied — that the outputs are accurate, complete, or applicable to your specific business, accounting treatment, or financial position. Actual working capital must be derived from properly prepared management accounts or audited financials under the applicable accounting standard.
Not Suitable for Lending, Investment, or Regulatory Purposes. Working capital and liquidity figures produced by this Tool must not be presented to banks, lenders, investors, or regulators as a representation of your financial position without independent verification and preparation by a qualified accountant. Use of unverified tool estimates for material financial purposes could be misleading.
Not Financial, Legal, or Professional Advice. Nothing in the Tools constitutes financial advice, accounting advice, legal advice, or any other regulated professional advice. QuadraPay is a merchant services consultancy and payment solutions reseller — not a licensed financial adviser, accountant, or regulated professional.
FTC Compliance Notice. QuadraPay does not guarantee any specific working capital improvement, processing rate, settlement timing, or business outcome from its services. References to potential working capital improvements from processing optimisation are illustrative only — not typical results — and actual outcomes vary. QuadraPay is a reseller referring merchants to third-party processors and does not control rates or terms those processors offer.
Card Brand and Network Compliance. QuadraPay is not affiliated with, endorsed by, or a registered agent of Visa, Mastercard, American Express, Discover, or any card network. This Tool does not apply any card network rules or regulatory framework.
Reseller Disclosure. QuadraPay is a merchant services consultancy and payment solutions reseller. Acquiring partners — not QuadraPay — provide processing services, set rates and settlement terms, hold reserves, and contract directly with merchants. All terms subject to partner underwriting.
No Liability. QuadraPay and its directors, employees, agents, affiliates, and partners disclaim all liability for any loss, damage, or consequence arising from use of or reliance on any Tool output.
Data Privacy. No data you enter is transmitted to QuadraPay's servers or stored. All calculations run locally in your browser.