# Working Capital AI

> AI-powered cash flow guardian. 90-day forecasts, crisis prevention, working capital optimization, and runway alerts for business survival.

82% of businesses fail from cash flow, not profitability. Get 90-day forecasts, early warning alerts, and actionable recommendations to keep your business alive. Try chatting free.

Published by Navigate Advisory Group. Site: https://workingcapitalai.com/

## Topics

- [Working Capital Diagnostic](https://workingcapitalai.com/topics/working-capital-diagnostic): Cash pressure and lender readiness
- [Cash Flow Forecasting](https://workingcapitalai.com/topics/cash-flow-forecasting): 90-day forecasts and runway
- [Working Capital Optimization](https://workingcapitalai.com/topics/working-capital-optimization): AR, AP, and inventory levers
- [Crisis Prevention](https://workingcapitalai.com/topics/crisis-prevention): Early warnings and backup plans
- [AR/AP Management](https://workingcapitalai.com/topics/ar-ap-management): Collections and payables strategy
- [Inventory Optimization](https://workingcapitalai.com/topics/inventory-optimization): Inventory turns and efficiency
- [Working Capital Financing](https://workingcapitalai.com/topics/working-capital-financing): Financing options and lenders
- [CCC Compression & Cash Release](https://workingcapitalai.com/topics/ccc-compression-cash-release): Release trapped cash from operations

## Services

- [Working Capital Diagnostic](https://workingcapitalai.com/services/working-capital-diagnostic): A practical diagnostic of cash conversion cycle, receivables, payables, inventory, lender readiness, and near-term funding pressure.
- [Cash Flow Monitoring](https://workingcapitalai.com/services/cash-monitoring): 90-day cash forecasts with daily updates, runway alerts, and AR/AP aging reports. Know your cash position before problems become crises.
- [Working Capital Optimization](https://workingcapitalai.com/services/working-capital-optimization): Deep-dive analysis of your cash conversion cycle with a prioritized roadmap to free trapped cash. Typical results: 15-30 days CCC improvement.
- [Lender Portfolio Monitoring](https://workingcapitalai.com/services/lender-portfolio-monitoring): Monitor 10-50 borrowers with cash health dashboards, early warning alerts, and credit risk scoring. Catch problems before they become defaults.
- [CCC Compression & Cash Release Pack](https://workingcapitalai.com/services/ccc-compression-cash-release-pack): Inputs receivables, payables, inventory, and revenue bands; outputs CCC diagnosis, trapped-cash estimate, and prioritized action plan.

## Articles

- [30-Day Business Capital Readiness Review](https://workingcapitalai.com/blog/c9dy7ygp/30-day-business-capital-readiness-review): Many business owners face a familiar paradox: the need for capital is urgent, yet the path to securing it feels opaque. Often, the immediate challenge is turning an urgent request
- [Debt Service Coverage](https://workingcapitalai.com/blog/34i5ipyv/debt-service-coverage): Why This Matters For growing companies, the gap between earning revenue and collecting cash is often where capital readiness fails. Lenders do not fund potential; they fund proven
- [SBA Loan Programs](https://workingcapitalai.com/blog/g9hkxz4q/sba-loan-programs): Why This Matters For many small business owners and CFOs, the primary driver for seeking external capital is not just access to funds, but the cost of that access. Interest rates a
- [Working Capital Gap Analysis: Timing vs Amount](https://workingcapitalai.com/blog/3yox6j3r/working-capital-gap-analysis-timing-vs-amount): When a business owner or CFO identifies a need for external capital, the immediate instinct is often to calculate the exact dollar amount required to bridge the shortfall. This app
- [SBA 7(a) Denial Reasons: How to Fix Your Application](https://workingcapitalai.com/blog/89czoeht/sba-7a-denial-reasons-how-to-fix-your-application): Why This Matters Receiving a denial for an SBA 7(a) loan is often more confusing than it is discouraging. Unlike traditional bank loans, where a rejection might simply mean "we don
- [Equipment Financing](https://workingcapitalai.com/blog/8yd3b2dy/equipment-financing): Why This Matters For many growing businesses, the decision to acquire new equipment is not merely a procurement choice; it is a capital structure decision. When credit limits block
- [Secured vs Unsecured Business Loans: Facility Fit](https://workingcapitalai.com/blog/k3ycfcj2/secured-vs-unsecured-business-loans-facility-fit): Why This Matters When a business owner seeks capital, the fundamental question is rarely just "how much?" but rather "what does this cost me in terms of risk and control?" The dist
- [Invoice Financing](https://workingcapitalai.com/blog/cezv5mgl/invoice-financing): Why This Matters For many growing businesses, the gap between delivering a service or product and receiving payment is not just an accounting delay; it is a strategic bottleneck. W
- [Business Credit Score vs Personal Credit for Funding](https://workingcapitalai.com/blog/ihjwc9bn/business-credit-score-vs-personal-credit-for-funding): Why This Matters For many small business owners and founders, the line between personal and business finances is often blurred. This confusion is not just a bookkeeping issue; it i

## Glossary

- [Glossary of 39 terms](https://workingcapitalai.com/glossary)

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