Current Assets
What your business currently owns or is owed.
$
$
$
Current Liabilities
What your business currently owes within 12 months.
$
$
$
Monthly Operating Expenses
$
Include rent, payroll, utilities, supplies, loan payments.
Your Working Capital Report
Total Current Assets
$28,000
Total Current Liabilities
$10,000
Net Working Capital
$18,000
Current Ratio
2.80
Cash Runway
1.5 months
How to Read Your Results
Current Ratio Benchmarks
Below 1.0Negative Working Capital
1.0 – 1.5Tight — Monitor Closely
1.5 – 2.0Healthy for Most Businesses
2.0+Strong Position
Why Working Capital Matters for Funding
Underwriters review working capital as a measure of your ability to service additional debt. A positive working capital position with 1.5+ months runway signals a business that can handle consistent MCA payments without being pushed into distress. Negative working capital doesn't disqualify you from MCA, but it does affect offer size and factor rate.
Need to improve your working capital?
Working capital funding from $10,000–$1M. Decision in 24–48 hours.
Apply for Working Capital →