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Weir Financial Management

Cash conversion, working capital and the growth you can actually fund. A weir is a barrier that both controls a flow of water and measures it.

“We’re profitable. Where is the money?” The days between paying for something and being paid for it, split into its three parts.
“How fast can we grow without borrowing?” The growth your own cash supports, next to the rate you are actually running at.
“Which lever is worth pulling?” Each priced separately, because a day of collections and a day of payables are not worth the same money.

Free. No signup. Your figures never leave your browser: Copy link carries them inside the link itself, so they reach no server and go only where you send it. Two things do leave: what you type into the chat bubble, and a file you ask to be emailed after a download.

How to read the months

Two settings, read by every tab

Everything else comes from the figures you paste, so there is nothing here that can drift out of step with them.

Actual days uses each month’s real length and is correct for counting cash. Normalised gives every month 30.4 days and is correct for comparing them. Otherwise a 28-day February reads about 10% better than January with the business unchanged. Operating cash margin is the cash your operations throw off in a year as a share of revenue; it drives the growth calculation and the 6% default is a placeholder, not a benchmark.

The months

Showing a sample year so you can see how it works. Type over it, or paste your own.
REVENUE Sales for that month, excluding tax. The same basis every month.
COST OF SALES What those sales cost you. Goods, materials, direct labour. Not overheads. A service business with no cost of sales can leave it at 0, and stock and payables days will correctly come out as zero.
RECEIVABLES Money owed to you at the end of that month. From the balance sheet, not the aged debtors total you are chasing.
INVENTORY Stock on hand at the end of the month, at cost. Zero if you hold none.
PAYABLES What you owed suppliers at the end of the month. Trade payables only, not tax, not loans, not payroll.
THE ONE PEOPLE GET WRONG These are month-end balances, not totals for the month. A big receipt on the last day moves everything here, so use average balances if your system gives them.
MonthYYYY-MM
RevenueUSD
Cost of sales
Receivables
Inventory
Payables

One month per line: YYYY-MM | revenue | cost of sales | receivables | inventory | payables. This box and the rows above are the same data. Editing either updates the other.

Your cash cycle

What the cash is worth, and what growth costs

Each lever priced on its own denominator

Collections carry your selling price and payables carry your cost price, so an equal number of days is an unequal amount of money.

Analysis & Recommendation

What would free cash, and what each move is measured to be worth

This updates on its own whenever you change anything on the other tabs. It is never showing you advice about figures you have already changed.

Definitions

 

Ticked entries re-derive their own result at page load, independently of the engine, and compare. A definition nobody verifies is only a comment.

Weir · a CMK Sons Labs operations tool · everything computed in your browser