WORKING CAPITAL AI
Know why cash is tight — and the story a lender needs — before you commit to any funding decision.
Working Capital Diagnostic
A practical diagnostic of cash conversion cycle, receivables, payables, inventory, lender readiness, and near-term funding pressure.
- Guided intake — diagnostic preparation for human finance review, not credit advice
- cash-pressure types triaged
- 6cash-pressure types triagedtiming, growth, margin, receivables drag, inventory drag, funding readiness
- deliverables per diagnostic
- 4deliverables per diagnosticdiagnostic notes, lender readiness pack, triage plan, review flags
- sensitive documents required to start
- 0sensitive documents required to startplain-English context and high-level drivers are enough
How it works — and what you walk away with
Profitable businesses still run out of cash when receivables stretch, inventory grows, payables tighten, or growth absorbs cash faster than the team expected. The first job is not to prescribe a loan. It is to understand where the pressure is coming from.
The Working Capital Diagnostic reviews the operating drivers behind cash pressure: cash conversion cycle, debtor days, creditor days, inventory days, near-term commitments, lender-readiness gaps, and the story a finance reviewer would need before recommending any next step.
The output is diagnostic preparation for human finance review. It is not credit advice, tax advice, investment advice, accounting advice, or a recommendation to take a specific financial product. It helps owners and finance leaders get clear before speaking with a lender, broker, CFO, advisor, or board.
The process
Plain-English Intake
Share business context, timing, payment terms, and where the pressure shows up — no bank statements or sensitive uploads.
Pressure Triage and Driver Review
Separate timing, growth, margin, receivables, inventory, and readiness pressure; review the operating drivers behind each.
Lender Readiness Check
Draft the plain-English funding story, document checklist, risk notes, and open questions for a lender or broker conversation.
Triage Plan and Review Flags
Near-term actions to review, plus explicit flags for what needs a qualified finance, accounting, tax, or lending professional.
What you get
Working Capital Diagnostic Notes
A concise map of likely cash-pressure drivers and what still needs evidence
Lender Readiness Pack
Funding story draft, document checklist, risk notes, and questions to prepare before lender or broker conversations
Cash Flow Triage Plan
Near-term actions to review across receivables, payables, inventory, forecasting, or finance review
Human Review Flags
Items that require professional review before changing financing, tax, accounting, or credit decisions
What's included
Cash Pressure Triage
Separates timing pressure, growth pressure, margin pressure, receivables drag, inventory drag, and funding-readiness gaps
Working Capital Driver Review
Reviews receivables, payables, inventory, cash runway, and payment-term friction at a practical operating level
Lender Readiness Check
Identifies the plain-English funding story, document checklist, risk notes, and open questions for a lender or broker conversation
Human Review Boundary
Flags where a qualified finance, accounting, tax, or lending professional should review before action
Who this is for
Owners Feeling Cash Pressure
Businesses that are profitable or growing but still feel tight on cash
Finance Leaders Preparing for Funding
Teams that need a clearer story before approaching a lender, broker, board, or advisor
Operators Reviewing Working Capital
Teams that need to understand whether receivables, payables, inventory, or timing are driving the squeeze
Scoped diagnostic
Scoped to your situation
- Format
- Guided intake — diagnostic preparation for human finance review, not credit advice
Frequently asked questions
Related topics
Related services
Cash Flow 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
Deep-dive analysis of your cash conversion cycle with a prioritized roadmap to free trapped cash. Typical results: 15-30 days CCC improvement.
Know why cash is tight — and the story a lender needs — before you commit to any funding decision.
Share your situation and Working Capital AI will scope it with you — takes about two minutes.