Working Capital Cash Cycle Optimizer

Provides frameworks and templates to analyze and optimize working capital management with actionable recommendations and next steps.

Working Capital Optimizer

Overview

Helps optimize working capital management. This is a descriptive skill that provides frameworks and templates without executing real code.

Safety

• No real code execution
• No external API calls
• No financial transactions
• Informational only

Usage Scenarios

Scenario 1

User Input: "Input my Q1 numbers: AR $85K, annual revenue $1.2M, inventory $120K, COGS $720K, AP $60K. Calculate my cash conversion cycle."

Expected Output: CCC = DSO (26 days) + DIO (61 days) – DPO (30 days) = 57 days. Industry benchmark comparison and bottleneck identification (DIO is high).

Scenario 2

User Input: "My DSO is 45 days and it's killing my cash flow. Suggest 5 actionable ways to reduce it to 30 days."

Expected Output: Action plan: (1) early-payment discount 2/10 net 30, (2) invoice automation with payment links, (3) credit-check new customers, (4) require deposits >$5K orders, (5) offer ACH over checks. Each with projected DSO reduction.

Scenario 3

User Input: "Model the cash-flow impact if I extend my supplier payment terms from net 30 to net 60."

Expected Output: Cash-flow waterfall projection: $60K freed for 30 extra days, improving monthly cash position. Risk flags: supplier relationship strain, potential price increases or loss of early-pay discounts.

Scenario 4: 小公司现金流撑不住了

User input: "我开了一家20人的软件外包公司，客户回款周期平均120天，但员工工资每月15号必须发。经常账上没钱发工资。怎么优化？" Expected output: 中小软件公司现金流管理——压缩应收账款：合同约定分阶段付款（30%预付+30%中期+30%验收+10%质保金），使用电子签章（法大大/e签宝）加快签订速度；延长应付账款：和供应商协商45天账期而非月结；现金流缓冲：向银行申请经营贷（中行/建行的小微快贷可线上申请，额度20-200万，利率4%左右）+支付宝网商贷备用；订单筛选：拒绝付款周期超过90天的新客户，优先接小微企业（付款快但订单小）而非大企业（付款慢但金额大）。关键：每月做13周现金流滚动预测，提前知道哪周会缺口。

Outputs

• Structured analysis
• Actionable recommendations
• Next steps checklist