Free business finance tool
Business Cash Flow
Health Check
See how healthy your business cash flow is in under 60 seconds.
Answer six simple questions to get an instant snapshot of your business cash flow, cash buffer, debtor exposure and potential working capital pressure.
Your figures are calculated securely in your browser and are not submitted to Premier Finance.
Know where you stand
A clearer view of your cash flow.
Approximate figures are all you need.
Get your results before sharing any contact details.
Your results • An instant overview
Your Business Cash Flow Snapshot
- Estimated monthly operating surplus
- Estimated cash buffer
Test your next move
Adjust these assumptions to see what would make a difference. These are separate planning scenarios, not forecasts. Your original score stays the same.
Choose a reserve target that suits your business. One month is a starting scenario, not a recommended minimum.
- Additional cash for your reserve target
- Cash buffer after collections
- Monthly surplus after a turnover drop
Your next steps
How to use this calculator
1. Enter your business figures. Add your average monthly turnover and business expenses, the cash you currently have available, and the total customers owe you. Approximate Rand amounts are fine. Enter 0 where a question does not apply.
2. Choose the two options. Select how quickly your customers usually pay and how often your business experiences cash-flow shortages.
3. View your results. Once all six questions are complete, select Check My Cash Flow. Review your cash-flow snapshot and the practical suggestions below it. You do not need to provide contact details to see your results.
4. Test your options. Change your reserve target, the portion of invoices collected or the turnover drop to see the impact. The PDF and copied summary include your selected scenarios.
5. Save or try again. Select Download My Results (PDF) to save a report, or Copy My Results to paste a summary elsewhere. Choose Recalculate to clear your answers and start again.
Your financial figures stay in your browser. The email signup below is optional.
This calculator provides a general educational estimate based on the information entered. It is not accounting, financial or credit advice and does not represent a funding approval or offer.
Your next step
Could additional working capital help your business?
Premier Finance works with established South African businesses that need funding for working capital, growth, stock, equipment, contracts, unpaid invoices and other business requirements.
CHECK MY FUNDING OPTIONSWant more tools like this?
Get practical business finance tools, funding updates and selected finance opportunities from Premier Finance.