Working capital guides
Working capital is the cash tied up between doing the work and getting paid for it. These guides explain the cash conversion cycle (DSO, DIO and DPO), why annual recurring revenue and the bank balance tell different stories, and how agencies and service businesses forecast cash when clients pay on 30 to 60 day terms.
3 guides, newest first.
Cash Flow Forecasting for Agencies: A 13-Week Guide to Retainers, Payroll, and Late Payments
How agencies forecast cash when clients pay late and payroll never does: the four timing gaps, a weekly method, and a worked example with real numbers.
Cash Conversion Cycle: Formula, Examples, and How to Improve It
What the cash conversion cycle (CCC) is, how to calculate DIO, DSO, and DPO, what a negative CCC means, and how founders use it with a cash flow forecast.
ARR vs Cash Flow: Why Your Bank Balance Disagrees With Your ARR
ARR vs cash flow explained: why ARR does not equal cash, how annual contracts and deferred revenue change cash timing, and how SaaS founders forecast it.
More topics
All 19 guides →- Runway and burn4 guides →How long the cash lasts, and the numbers investors check.
- Payroll4 guides →Making every payroll run, including the years with 27.
- 13-week forecasting5 guides →Building and running a weekly cash forecast.
- Tools and integrations3 guides →What QuickBooks, HubSpot and AI tools can and can't forecast.