Assessment Tool
Working Capital Assessment India
Working capital is the oxygen of an Indian SME. This assessment diagnoses your specific working capital constraint — whether it is debtor days, inventory, banking facilities, or supplier terms.
What this assessment measures
Evaluates working capital cycle length (debtor days + inventory days − creditor days), CC/OD facility adequacy vs actual requirement, debtor aging and concentration, inventory management efficiency, and the right working capital finance mix for your business model.
Why it matters
A business can be profitable and still fail due to working capital shortage. For Indian SMEs with long debtor cycles (government buyers, large corporates), working capital management is often the single biggest financial challenge.
The 6 dimensions we assess
- 1.Working capital cycle — CCC length vs sector benchmark
- 2.CC/OD facility — current limit vs actual working capital requirement
- 3.Debtor quality — aging, concentration, and collection efficiency
- 4.Inventory management — turns, dead stock, minimum order quantity optimisation
- 5.Creditor terms — supplier credit vs buyer credit mismatch
- 6.Finance mix — right combination of CC, invoice discounting, TReDS, factoring
What your score means
75–100
Working capital healthy
Working capital is well-managed. Focus on optimising debtor days or CC facility cost.
50–74
Working capital stress
Specific working capital dimension under pressure. A Virtual CFO addresses the root cause — not just the symptom.
0–49
Working capital crisis risk
Multiple dimensions stressed. Immediate intervention — cash flow stabilisation, facility restructuring, and debtor acceleration — is needed.
What happens next
IBEAN's Virtual CFO optimises your working capital structure: right-sizing the CC/OD facility, implementing invoice discounting for long-debtor-days customers, and redesigning the debtor collection process.
Frequently asked questions
Additional questions? Contact the advisory team
Ready to assess your Financial Health?
IBEAN's Working Capital Assessment India identifies your current position, gaps, and the highest-leverage actions to improve. Fixed-fee diagnostic. No commitment beyond that.