Tools/Working Capital Gap Calculator
Working Capital Gap Calculator
Find the gap between what your operations need and what your liabilities fund - and the line that closes it.
Financial Position
Working capital lines help bridge the gap between when you pay suppliers and when customers pay you.
Working capital gap
₹1.20 Cr
Indicative funding line
Up to ₹1.32 Cr
Collateral-free options available from 125+ lenders
125+ lenders. Termsheet in 48h. Zero equity dilution.
What the working capital gap tells you
Working capital gap = current assets (receivables + inventory + cash) minus current liabilities (payables + short-term dues). It's the portion of your operating cycle that your suppliers aren't funding - you have to fund it with your own cash or borrowed money.
A growing gap isn't bad - it usually means growing sales. But funding it from your own cash starves growth. A working capital line sized to the gap keeps operations smooth while your cash stays free for expansion.
Explore Working Capital LoansWhat is a working capital gap calculator?
A working capital gap calculator measures the difference between your current assets (receivables, inventory, cash) and current liabilities (payables, short-term dues). That gap is the slice of your operating cycle that nobody else is funding - you cover it with your own cash or with borrowed money.
Knowing the number precisely matters because it is exactly how banks size working capital limits - and how you avoid both under-borrowing (cash crunches) and over-borrowing (paying interest on idle limits).
How to use this working capital gap calculator
- 1
Enter your trade receivables - money customers owe you.
- 2
Add your inventory value - raw material, work in progress, and finished goods.
- 3
Add cash and bank balances.
- 4
Enter your trade payables and other short-term liabilities.
- 5
Read your working capital gap - and the indicative funding line that would close it.
Why measuring the gap matters
Right-size your borrowing
A line sized to the gap keeps operations smooth without paying for unused limits.
Anticipate growth strain
Sales growth widens the gap before it grows profits - measuring it early prevents the classic growth cash crunch.
Speak the bank's language
Banks fund 75-80% of the assessed gap (MPBF method) - knowing your number first strengthens the negotiation.
Free cash for growth
Funding the gap with a credit line releases your own cash for hiring, marketing, and expansion.