Free tool
Working-capital calculator
Every business locks cash in its operating cycle — stock waiting to sell, invoices waiting to be paid. Four numbers show how many days your cycle runs and roughly how much cash it holds hostage.
Your typical month, not your best one.
Days customers take to pay after you invoice.
Days stock sits before it sells (0 for services).
Days you take to pay your suppliers.
The math, in the open
Two textbook formulas — nothing proprietary.
The cash-conversion cycle (CCC) is how long a rupee stays locked in operations before it comes back as cash:
CCC = receivable days + inventory days − payable days
Receivable and inventory days lock cash up; payable days are your suppliers lending it back. The working-capital gap converts that cycle into rupees:
gap ≈ (monthly revenue ÷ 30) × CCC days
It's a rule of thumb, deliberately: real limits are sized from bank statements, margins, and seasonality in underwriting. But if the gap the tool shows is bigger than the cash you keep on hand, your growth is being financed by stress — and that's exactly what a working-capital line is for.
Close the gap deliberately
A working-capital line sized to your cycle beats borrowing in a panic. Send a two-minute enquiry — a named consultant calls back within one working day. Ojas Loans is a lending service provider, not the lender; loan money moves directly between you and a regulated lender.
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