Free tool · cash conversion cycle

How much of your cash is sitting in a warehouse?

Six numbers, thirty seconds. Most founders can quote their revenue and their ROAS to the decimal. Far fewer can say how long their money is out of the business before it comes back — and that is the number that decides whether growth funds itself or quietly strangles you.

Stock daysSupplier creditCash conversion cycleWorking capital released
Work out your number

Your cash cycle, in about thirty seconds.

Every figure below is on your last balance sheet or in your head. It works whether you sell direct, through wholesale or from your own shelves — set the payment terms to match. Nothing is stored, and there is no form to fill in.

Your numbers

Pre-filled with an example brand — £2.5m revenue, 55% margin, 114 days of stock. Type over any figure with your own.

Your last twelve months, excluding VAT.
£
55%
Revenue less landed product and shipping costs — before marketing.
What the inventory in your warehouse cost you.
£
30 days
How long after goods arrive before you pay. Drag to zero if you pay up front.
From the sale to the cash landing in your account. Pick the closest match.
Cash held in the cycle
£278,082

Working capital your own trading has to fund before a single new order is placed.

The cycle0 – 117 days
Stock sitting 114d Waiting to be paid 3d Funded by suppliers 30d

Your cash is out of the business for 87 days
15 days
Drag to see what tighter buying, faster-selling lines or shorter lead times would free up.
0 days3060 days
£46,233 released from working capital
10% a year
Overdraft, trade finance or revenue-based funding — drag it to your facility rate.
0%12.5%25%

Send me the three fastest ways to release this

Opens an email to Nick and Karl with your figures already in it. Straight to a partner, and we reply personally.

The benchmark

We read 86 brands’ accounts so you can compare yours.

Filed accounts for UK direct-to-consumer brands in health, wellness, beauty, food and fashion, with current assets between £250,000 and £12m. Not the press releases — the accounts.

42%Median share of current assets held as stock. For the median brand, more sits in the warehouse than in any other single asset.
1 in 3Hold more than half of their current assets as inventory — more money on a shelf than everywhere else combined.
15%Have under a tenth of their current assets in actual cash. Profitable on paper, tight at the bank.
47%Are carrying debt due after more than a year, so a lender is already funding part of the cycle.