Working Capital Gap Calculator
Find the cash hiding in your calendar.
You pay suppliers on one schedule and get paid on another. The days in between tie up real money. Put a number on it, then size the cushion to match.
From sending the invoice to seeing the money. Net 30 terms often run 45 in practice.
Service businesses with no inventory can set this to zero.
Supplier terms work in your favor. Every day you hold cash is a day it works for you.
Estimates for illustration only. Every business is different, and a banker can tailor these numbers to yours. This is not an application or a commitment to lend. Member FDIC.
Why it matters
Profitable on paper, tight at the register. Sound familiar?
The calendar is the culprit
Good months can still feel thin when customers pay in 45 days and suppliers want theirs in 25. That gap is a number you can plan for.
Sized by someone local
A Greenville banker who knows Shenango Valley suppliers and payment habits can right-size a line, not just quote a formula.
Steady since 1911
Mercer County businesses have leaned on us through booms and slow stretches for over a century. Patient money, close to home.
Bring your calendar. We will bring the coffee.
A one-hour cash flow review with a local business banker can turn this estimate into a plan that fits your business.