See how waiting to get paid affects your cash cycle.
Estimate how production, inventory, receivables, and payables shape the time between investing in the business and putting cash back to work.
Enter four parts of your operating cycle.
Use averages that best represent your business today. Zero is accepted when a field does not apply.
This calculator provides an arithmetic illustration only. It does not estimate dollars, ROI, eligibility, or a guaranteed product outcome.
EqualsNet operating cash cycle
Your net operating cash cycle is — days.
- Total operating cash cycle
- — days
- Net operating cash cycle
- — days
- Estimated cycles annually
- — times
Here’s where the timing pressure is coming from.
— operating days— payable days— net days
See how the modeled timing changes the cycle.
This scenario models receivables at 1 day and trade payables at 5 days while keeping your production and inventory inputs unchanged.
The 5-day payable timing illustrates what the cycle could look like if earlier access to cash were used to pay suppliers sooner — for example, to pursue prompt-pay opportunities.
This is a timing illustration, not a product guarantee or requirement.
—
What if customer payment terms changed?
See how different A/R timing affects your cash cycle without changing your production, inventory, or payable inputs.
At — A/R days
Your modeled net operating cash cycle would be — days.
Under the current BusinessManager illustration, the modeled cycle remains — days.
This is an exploratory timing model based on your inputs and the current illustrative assumptions. It is not a product guarantee.
What are you trying to make easier?
Your selection adds context to the interpretation. It does not change the calculator math.
Want to put the timing in dollar context?
Your numbers are the starting point.
- Current net cash cycle
- — days
- BusinessManager modeled cycle
- — days
- Modeled change
- —
See what this could mean for your business.
Talk through the timing you’ve modeled with a BusinessManager Account Executive and explore whether the solution fits how your business manages receivables.