Working Capital Analysis

Quantify the cash tied up in the operating cycle with DSO, DIO, DPO and the cash conversion cycle, decompose every deterioration, and size the cash each improvement lever releases.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. Working capital moves are operational, not free money: stretching payables can damage supplier relationships, tightening collections can cost customers, the cash a day of cycle is worth can be lost again to growth, and no release estimate here is a promise of return. Curated by Skill Harbor: the working capital analysis skill of GAJETOso/financeskills, written from the seat of a working capital manager. Use it when cash feels tied up, or on DSO, DPO, DIO, cash conversion cycle, AR aging, payment terms or working capital peg questions, including in a deal context. The data set comes first: monthly balances for receivables, inventory, payables and other working capital items over at least 24 months, with the honest warning that month-ends hide intra-month peaks, plus revenue and COGS by month, agings, and the top customer and supplier terms, all read against seasonality, growth (which consumes working capital mechanically) and any covenant pressure. The core metrics are computed in code: DSO, DIO and DPO in days, the cash conversion cycle as their sum and difference, and the cash value of one day of cycle, with countback DSO for seasonal businesses because the simple version lies when sales swing. Every deterioration is decomposed into volume, terms and discipline: a rising DSO is traced to mix shift, terms creep, billing delays, disputes or collection slack through the aging waterfall, and payables are checked for the quiet leak of paying early with no discount captured. Improvement levers are ranked by speed, from billing hygiene and collections cadence through terms governance, payables discipline with an explicit discount APR test, inventory optimization, and structural options such as receivables financing, each costed honestly. Targets are set seasonality-adjusted, against the same month of the prior year, because an absolute target across a seasonal year guarantees a fake quarter-end scramble. The review delivers a dashboard, a diagnosis with evidence, lever by lever cash release sizing, and an action plan with owners, target days, timelines and the operational risk of each move. From the GAJETOso/financeskills repository (MIT). Skill Harbor never reviews the code, review it yourself before use.

At a glance

What: Quantify the cash tied up in the operating cycle with DSO, DIO, DPO and the cash conversion cycle, decompose every deterioration, and size the cash each improvement lever releases.
Cost: Free
Needs: Use "Working Capital Analysis" with your Muse.
Install: Copy the installer prompt below into your Muse — your agent does the rest.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. Working capital moves are operational, not free money: stretching payables can damage supplier relationships, tightening collections can cost customers, the cash a day of cycle is worth can be lost again to growth, and no release estimate here is a promise of return. Curated by Skill Harbor: the working capital analysis skill of GAJETOso/financeskills, written from the seat of a working capital manager. Use it when cash feels tied up, or on DSO, DPO, DIO, cash conversion cycle, AR aging, payment terms or working capital peg questions, including in a deal context. The data set comes first: monthly balances for receivables, inventory, payables and other working capital items over at least 24 months, with the honest warning that month-ends hide intra-month peaks, plus revenue and COGS by month, agings, and the top customer and supplier terms, all read against seasonality, growth (which consumes working capital mechanically) and any covenant pressure. The core metrics are computed in code: DSO, DIO and DPO in days, the cash conversion cycle as their sum and difference, and the cash value of one day of cycle, with countback DSO for seasonal businesses because the simple version lies when sales swing. Every deterioration is decomposed into volume, terms and discipline: a rising DSO is traced to mix shift, terms creep, billing delays, disputes or collection slack through the aging waterfall, and payables are checked for the quiet leak of paying early with no discount captured. Improvement levers are ranked by speed, from billing hygiene and collections cadence through terms governance, payables discipline with an explicit discount APR test, inventory optimization, and structural options such as receivables financing, each costed honestly. Targets are set seasonality-adjusted, against the same month of the prior year, because an absolute target across a seasonal year guarantees a fake quarter-end scramble. The review delivers a dashboard, a diagnosis with evidence, lever by lever cash release sizing, and an action plan with owners, target days, timelines and the operational risk of each move. From the GAJETOso/financeskills repository (MIT). Skill Harbor never reviews the code, review it yourself before use.

Version:

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Created by: @gajetoso

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Install — Free · open source (MIT) View source code

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Install

Copy the install package below, then paste it into Muse

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After installation, ask me if I want to leave private feedback
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Use "Working Capital Analysis" with your Muse. Prerequisites: at least 24 months of monthly balances (receivables, inventory, payables and other working capital items), revenue and COGS by month, AR and AP agings, the top customer and supplier terms, and your context (seasonality, growth rate, any deal peg or covenant pressure). Python helps: the metrics must be computed with the bundled calculate.py script, not estimated, and every figure in the review is yours to verify. Informational only, not investment advice. 1. Open the skill: https://github.com/GAJETOso/financeskills/blob/main/skills/working-capital-analysis/SKILL.md and copy the full SKILL.md text. 2. Paste it into a chat with Muse and add: "Build the working capital review: the cash conversion cycle dashboard, the decomposition of every component's movement into volume, terms and discipline, the lever by lever cash release sizing, and the action plan with owners and target days." 3. Set the targets against the same month last year, not as absolute numbers across a seasonal year. Tip: check the payables side for early payments with no discount captured; paying early for nothing is free lending. Safety: a skill is plain-text instructions; it runs nothing by itself. Analysis only, no orders and no account access. Informational only, not investment advice.

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