Working Capital · Multi-Retailer Listings

The cash a new listing consumes before it pays you back.

When a consumer brand wins distribution into the major retailers, the working capital picture changes shape. This model estimates the cash gap a new listing creates before it self-funds. Adjust the inputs to match your business.

Inputs
£2,000,000
Full run-rate, from this listing only
12 months
Time to reach run-rate
35%
On the new volume, after COGS
60 days
Days sales outstanding on this channel
30 days
Days payable outstanding to suppliers
45 days
Days inventory outstanding
Working capital impact
Peak cash gap
£0
at month 0
CCC on this listing
0 days
DSO plus DIO less DPO
Cumulative cash impact, months 0 to 24
What this means
Adjust the inputs to see the impact.
A note on financing. This model shows the structural cash gap before any financing. Inventory finance and invoice finance can compress the gap, but both come at a cost to margin, and availability typically depends on trading history with the debtor or the asset profile. The early-stage gap is usually the hardest to fund, which is why founders feel it most in the first 12 months.
Want this run on your actual numbers?

The model is a directional estimate. The real number for your business needs a 30 minute conversation and a look at your DSO, supplier credit limits, and ramp profile.

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Built by InHand. Fractional CFO practice for scaling consumer product brands.