Optimise Your Working Capital
Free up cash trapped in your business operations. Working capital management ensures you have the right amount of cash at the right time - reducing the need for external financing while maintaining smooth operations.
What's Included
Everything you get with Finley's working capital management service
Cash Conversion Analysis
- Days Sales Outstanding (DSO) tracking and benchmarking
- Days Payable Outstanding (DPO) optimisation opportunities
- Inventory turnover analysis (for product businesses)
- Cash conversion cycle calculation and trending
- Working capital requirement forecasting
Receivables Management
- Aging analysis with early warning indicators
- Customer payment pattern identification
- Collection priority recommendations
- Payment terms optimisation suggestions
- Bad debt risk assessment
Payables Optimisation
- Payment timing strategy for cash optimisation
- Early payment discount analysis
- Vendor payment terms renegotiation insights
- Cash impact modelling for payment changes
- Supplier relationship scoring
Common Problems We Solve
If any of these sound familiar, Finley can help
"I'm profitable but always short on cash"
This classic symptom means cash is trapped in your working capital cycle. Finley identifies exactly where - slow-paying customers, excessive inventory, or premature payments - and shows you how to free it.
"Customers take ages to pay but I can't push harder"
Data-driven insights show which customers consistently pay late and the true cost of their delays. Armed with evidence, you can adjust terms, offer incentives, or prioritise collection efforts strategically.
"I don't know if I should pay suppliers early or late"
Finley calculates the cash flow impact of payment timing. Sometimes early payment discounts are worth it; sometimes holding cash longer is better. You'll know which approach optimises your position.
"My accountant talks about working capital but I don't really understand it"
Clear visualisations show cash flowing through your business - when it goes out, when it comes back. You'll understand working capital intuitively, not just as an abstract accounting concept.
How It Works
From upload to insights in minutes, not weeks
Map Your Cash Cycle
Upload your transaction data to map how cash flows through your operations - from spending to collection.
- Transaction categorisation identifies receivables and payables
- Customer payment patterns analysed
- Vendor payment timing mapped
- Cash conversion cycle calculated
Identify Opportunities
Finley analyses your cycle to find cash trapped in operations that could be freed.
- Slow-paying customer identification
- Early payment discount evaluation
- Payment timing optimisation opportunities
- Industry benchmark comparisons
Model Improvements
See the cash impact of changes before implementing them.
- What-if analysis for payment terms changes
- Collection improvement cash impact
- Payables timing scenarios
- Combined optimisation modelling
Monitor & Optimise
Track working capital metrics over time and continuously optimise.
- Real-time working capital dashboard
- Trend tracking for key metrics
- Alert thresholds for deterioration
- Continuous improvement recommendations
Why Choose Finley
What makes our working capital management different
Average £15K Cash Released
Our users typically identify £15,000+ in cash that can be freed from working capital through improved receivables, optimised payables, or reduced inventory.
Clear Visualisation
See your cash conversion cycle as a visual flow. Understand where cash is trapped without needing accounting expertise.
Actionable Recommendations
Not just metrics - specific actions to improve. "Offer 2% discount for 10-day payment to Customer X" not just "improve DSO."
Customer & Vendor Intelligence
Know which customers are cash traps and which vendors offer flexibility. Manage relationships with data, not guesswork.
What-If Modelling
Test changes before implementing. See exactly how adjusting payment terms will affect your cash position.
Reduce Financing Needs
Better working capital management means less need for overdrafts, loans, or equity. Keep more ownership and reduce interest costs.
Frequently Asked Questions
Common questions about working capital management
What is working capital and why does it matter?
Working capital is the cash tied up in your day-to-day operations - money owed to you by customers, money you owe to suppliers, and inventory you're holding. Managing it well means having enough cash to operate without borrowing excessively or missing opportunities.
How much cash can I realistically free up?
It varies by business, but most SMBs have 10-30 days of sales tied up unnecessarily in working capital. For a business with £500K annual revenue, that's £15-40K that could be freed. Finley shows you exactly what's achievable for your specific situation.
Won't pushing customers to pay faster damage relationships?
The key is being strategic, not aggressive. Finley identifies which customers are actually problematic, suggests appropriate incentives (like early payment discounts), and helps you understand the cost of different relationship approaches.
I'm a service business with no inventory - is this relevant?
Absolutely. Receivables management and payment terms optimisation are just as important for service businesses. Your cash conversion cycle is simpler but still benefits from optimisation.
How does this integrate with cash flow forecasting?
Working capital changes directly impact your cash flow forecasts. Improvements you make through working capital management automatically improve your forecast runway and reduce cash crunch risk.
Can Finley help with invoice factoring decisions?
Yes, if you're considering invoice factoring or financing, Finley helps you understand the true cost versus the benefit. Sometimes working capital optimisation eliminates the need for factoring entirely.
Need Urgent Help?
Cash crunch approaching? Identify immediate working capital improvements to free up cash fast. Our emergency analysis prioritises quick wins that can release cash within days, not months.
Response Time
Working capital analysis in 60 seconds. Quick-win recommendations immediately available.
Available 24/7 for Pro users
Where We Operate
Working capital principles are universal. Analysis adapts to local payment culture and business norms.
Ready to Get Started?
Try working capital management free - no credit card required. Upgrade to Pro for unlimited access.
Free tier available • Pro from £49/month • Cancel anytime