BUYING A BUSINESS

Working capital calculator

Measure short-term liquidity and separately model the cash reserve needed after closing.

Your scenario

All amounts are in US dollars. Start with the example, then enter your numbers. Results update as you type.

Calculation inputs stay in this page’s memory and are not submitted as a lead. Requesting contact is a separate step.

ILLUSTRATIVE EXAMPLE

See what the numbers say.

Net working capital: $65,000.00
Current ratio: 1.81
Total current assets: $145,000.00
Total current liabilities: $80,000.00
Operating cash reserve scenario: $60,000.00

Estimates, not quotes, approvals, appraisals or guaranteed returns.

How this calculator works

Working capital = current assets − current liabilities. Current ratio = current assets / current liabilities. Separate cash buffer = monthly cash outflows × buffer months.

Assumptions to check

Receivables and inventory are not immediately spendable cash. Check collections, aging, inventory quality and seasonality before relying on the balance.
A transaction’s working capital target may exclude cash and debt. The reserve scenario is separate from balance-sheet working capital and is not automatically included in the purchase price.

Method reference: bizbuysell.com. Independent GROFINEX implementation.