Working Capital Calculator
Enter your current assets and liabilities to calculate your working capital and current ratio. These metrics show whether your business can cover its short-term obligations.
Your inputs
Estimated cost
Working capital
£250,000
Current ratio
1.96
Healthy range: 1.5 to 2.0
Quick ratio (acid test)
1.50
Excludes stock from current assets
Total current assets
£510,000
Total current liabilities
£260,000
Assumptions used in this calculator
- Working capital = Current Assets minus Current Liabilities.
- Quick ratio excludes inventory, reflecting only the most liquid assets.
- Benchmarks vary by sector; compare against industry averages for context.
Other Spark Finance calculators
Calculator questions
What is a healthy working capital ratio?
A current ratio of 1.5 to 2.0 is generally considered healthy. Below 1.0 may indicate the business cannot cover its short-term obligations. Above 2.0 may suggest assets are not being efficiently deployed.
How can I improve my working capital?
Reduce debtor days, extend creditor payment terms, reduce stock holdings, and consider a working capital facility such as invoice finance or a revolving credit facility.
How to get a working capital through Spark Finance
- 1
Complete the free calculator above to understand your estimated monthly repayment.
- 2
Click 'Check your eligibility' to start your full application in under five minutes.
- 3
Spark Finance approaches multiple lenders and presents you with competing offers to compare.
- 4
Accept your preferred offer and funds are typically released within 24-72 hours.
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