Working-capital planning tool
Cash Flow Gap Calculator
Build a simple picture of the cash your business may need while payroll and operating expenses continue through a customer payment cycle.
Results appear here
Enter your operating numbers, then calculate to see the estimated cash needed to bridge the payment cycle.
What this estimate shows
This calculator uses a straight-line educational estimate. It spreads monthly operating expenses across a 30-day month and treats payroll as a weekly or monthly outflow, then models the days until your first customer payment.
Receivables outstanding is an estimate of invoices still waiting for payment at your selected timing. It is not a forecast of profit, eligibility, borrowing capacity, or a funding offer.
Ways to think about a shortfall
A shortfall is a planning signal, not a recommendation. Businesses may review available cash, collections timing, a credit facility, invoice factoring, or other financing. Each option has different costs, eligibility requirements, obligations, and risks. LIEquity does not guarantee approval, terms, funding, or that factoring is suitable for every business.
Keep the assumptions in view
- Amounts are entered and calculated locally in your browser.
- The model uses a 30-day month and 7-day week.
- It does not include taxes, seasonality, disputes, payment delays beyond the selected period, financing costs, or changes in invoice volume.
- Actual cash needs depend on your complete operating plan and payment history.