Calculate your business working capital and liquidity ratios � current ratio, quick ratio and cash ratio � to assess short-term financial health.
Enter balance sheet values and click
Analyse Working Capital
Rates from 12% p.a. · online application · no branch visit needed. Pick the cheapest option.
| Tool | Pricing | Feature | Best For | |
|---|---|---|---|---|
BAJ Bajaj Finserv TOP | 14% onwards | Loan up to ₹50L · 96-hr disbursal | Established SMBs | Apply Now |
HDF HDFC Bank | 15.75% onwards | Up to ₹40L · doorstep service | Salaried + business owners | Apply Now |
LDK Lendingkart | 12-27% | Online · 3-day disbursal | Working capital top-ups | Apply Now |
IND Indifi | 15-24% | Industry-specific loans | Travel/restaurant SMBs | Apply Now |
FLX FlexiLoans | 14-30% | Flexible repayment terms | Quick capital needs | Apply Now |
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Compare all business loansWorking capital = Current Assets - Current Liabilities. It represents the funds available for day-to-day business operations. Positive working capital means the business can meet its short-term obligations. Negative working capital is a warning sign of potential cash flow problems.
Current Ratio = Current Assets � Current Liabilities. A ratio of 1.5�3.0 is generally considered healthy. Below 1.0 means liabilities exceed assets � liquidity risk. Above 3.0 may indicate idle cash not being put to productive use.
Quick Ratio = (Current Assets - Inventory) � Current Liabilities. It excludes inventory (which may not be quickly convertible to cash). A quick ratio of 1.0+ is considered healthy. This is a stricter test of liquidity than the current ratio.
(1) Speed up receivables collection (reduce credit period), (2) Negotiate longer payable terms with suppliers, (3) Reduce inventory levels (JIT inventory management), (4) Secure a working capital loan or overdraft facility, (5) Convert slow-moving stock into cash.
Calculate break-even point in units and revenue — find how many sales you need to cover fixed and variable costs.
Calculate gross, operating and net profit margins — or find the selling price needed for your desired margin.
Calculate Debt Service Coverage Ratio — assess ability to service debt from operating income. Used by lenders.