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Always consult a qualified professional before acting on any information provided.",[675,677],{"_key":661,"_type":558,"externalUrl":676,"linkType":171},"\u002Ftnc\u002Fmaster-service-agreement",{"_key":669,"_type":558,"externalUrl":678,"linkType":171},"\u002Fpricing",{"body":680,"eyebrow":681,"heading":682,"image":683,"link":688},"Find out how Aspire can help you speed up your end-to-end finance processes from payments to expense management.","Aspire Launchpad","Supercharge your finance operations",{"_type":333,"alternativeText":684,"height":685,"url":686,"width":687},"A person working at a laptop with an open notebook beside them",1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F9fe3e7e81a5b6f0bfc79770361e024db\u002F69d5f2a347377654dbe286ac_blog-post-template-04.png",1048,{"_type":133,"externalUrl":648,"label":689,"linkType":171},"Talk to sales",[691,702,710,718],{"_id":692,"category":693,"coverImage":696,"description":699,"publishedAt":700,"slug":701,"title":697},"blogPost-AU-6aaac424b14f90baffe4d42b",{"slug":694,"title":695},"business-advice","Business Advice",{"_type":333,"alternativeText":697,"url":698},"5 best Stripe alternatives in Australia","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F389066450881b4ceeb1dc5ee21a93f50\u002Fbest-stripe-alternatives-cover.jpeg","Consider these Stripe alternatives Australia that offer software integration, automated billing, and support for international currencies.","2026-09-17T00:00:00.000Z","best-stripe-alternatives-australia",{"_id":703,"category":704,"coverImage":705,"description":708,"publishedAt":700,"slug":709,"title":706},"blogPost-AU-6aaac436692aaf243bcb44b2",{"slug":694,"title":695},{"_type":333,"alternativeText":706,"url":707},"What is a business merchant account: A complete guide","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F4f65c60c54aadeb25e9f7855f75902bc\u002Fshared-4f65c60c_cover_shared-cover-payments.jpeg","A business merchant account enables businesses to accept and process card payments securely. 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With 50+ years of collective experience, they help make business finance more profitable for readers. 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It's also called the current ratio:",[],{"_key":963,"_type":507,"children":964,"markDefs":969,"style":514},"k111",[965],{"_key":966,"_type":511,"marks":967,"text":968},"k110",[],"Current assets ÷ Current liabilities = Ratio",[],{"_key":971,"_type":507,"children":972,"markDefs":977,"style":514},"k115",[973],{"_key":974,"_type":511,"marks":975,"text":976},"k114",[],"Using the same example above: AUD $500,000 ÷ AUD $300,000 = 1.67.",[],{"_key":979,"_type":507,"children":980,"markDefs":985,"style":514},"k119",[981],{"_key":982,"_type":511,"marks":983,"text":984},"k118",[],"A ratio above 1.0 shows you can meet obligations and compare liquidity with other businesses or track your own.",[],{"_key":987,"_type":507,"children":988,"markDefs":993,"style":750},"k123",[989],{"_key":990,"_type":511,"marks":991,"text":992},"k122",[],"What is net working capital?",[],{"_key":995,"_type":507,"children":996,"markDefs":1001,"style":514},"k127",[997],{"_key":998,"_type":511,"marks":999,"text":1000},"k126",[],"Net working capital (NWC) is often used interchangeably. Technically, it refers to the same calculation: current assets minus current liabilities.",[],{"_key":1003,"_type":507,"children":1004,"markDefs":1009,"style":514},"k131",[1005],{"_key":1006,"_type":511,"marks":1007,"text":1008},"k130",[],"Some finance teams use \"net\" to emphasise that it's a net figure after obligations. Either way, the formula and the meaning are the same. It gives a clear dollar figure for your operational cushion at any given point.",[],{"_key":1011,"_type":507,"children":1012,"markDefs":1017,"style":750},"k135",[1013],{"_key":1014,"_type":511,"marks":1015,"text":1016},"k134",[],"What does positive vs negative working capital mean",[],{"_key":1019,"_type":507,"children":1020,"markDefs":1025,"style":514},"k139",[1021],{"_key":1022,"_type":511,"marks":1023,"text":1024},"k138",[],"Positive numbers indicate assets exceed liabilities; you can meet obligations and invest in growth. Negative numbers indicate that liabilities exceed assets, signalling a potential cash crisis. Some large retailers operate with negative numbers by design, but for most, it's a warning.",[],{"_key":1027,"_type":507,"children":1028,"markDefs":1033,"style":750},"k143",[1029],{"_key":1030,"_type":511,"marks":1031,"text":1032},"k142",[],"What is a good working capital ratio",[],{"_key":1035,"_type":507,"children":1036,"markDefs":1041,"style":514},"k147",[1037],{"_key":1038,"_type":511,"marks":1039,"text":1040},"k146",[],"A ratio between 1.5 and 2.0 is generally considered healthy. It means you have enough buffer without tying up too much cash unnecessarily.",[],{"_key":1043,"_type":507,"children":1044,"markDefs":1049,"style":514},"k151",[1045],{"_key":1046,"_type":511,"marks":1047,"text":1048},"k150",[],"A ratio below 1.0 suggests liquidity risk. A ratio above 2.0 might indicate that cash is sitting idle instead of being deployed productively.",[],{"_key":1051,"_type":507,"children":1052,"markDefs":1057,"style":514},"k155",[1053],{"_key":1054,"_type":511,"marks":1055,"text":1056},"k154",[],"The right range depends on your industry. Businesses with fast inventory turnover often operate on lower ratios than those with slower sales cycles.",[],{"_key":1059,"_type":507,"children":1060,"markDefs":1065,"style":750},"k159",[1061],{"_key":1062,"_type":511,"marks":1063,"text":1064},"k158",[],"The cash conversion cycle explained",[],{"_key":1067,"_type":507,"children":1068,"markDefs":1073,"style":514},"k163",[1069],{"_key":1070,"_type":511,"marks":1071,"text":1072},"k162",[],"The cash conversion cycle (CCC) measures how long it takes to turn investments in inventory and operations into cash. It links directly to managing short-term resources.",[],{"_key":1075,"_type":507,"children":1076,"markDefs":1081,"style":514},"k167",[1077],{"_key":1078,"_type":511,"marks":1079,"text":1080},"k166",[],"A shorter cycle means cash comes back to you faster. A longer cycle means your money is tied up longer, which strains liquidity.",[],{"_key":1083,"_type":507,"children":1084,"markDefs":1089,"style":514},"k171",[1085],{"_key":1086,"_type":511,"marks":1087,"text":1088},"k170",[],"The formula is: CCC = Days Inventory Outstanding + Days Sales Outstanding − Days Payable Outstanding. Tracking your CCC helps you identify cash-flow bottlenecks.",[],{"_key":1091,"_type":507,"children":1092,"markDefs":1097,"style":750},"k175",[1093],{"_key":1094,"_type":511,"marks":1095,"text":1096},"k174",[],"How to improve your working capital",[],{"_key":1099,"_type":507,"children":1100,"markDefs":1105,"style":514},"k179",[1101],{"_key":1102,"_type":511,"marks":1103,"text":1104},"k178",[],"If your short-term resources are tighter than you'd like, there are practical ways to improve them. Small changes in how you manage receivables, payables, and inventory can make a meaningful difference. These include:",[],{"_key":1107,"_type":507,"children":1108,"level":839,"listItem":840,"markDefs":1113,"style":514},"k183",[1109],{"_key":1110,"_type":511,"marks":1111,"text":1112},"k182",[],"Invoicing customers promptly and following up on overdue accounts",[],{"_key":1115,"_type":507,"children":1116,"level":839,"listItem":840,"markDefs":1121,"style":514},"k187",[1117],{"_key":1118,"_type":511,"marks":1119,"text":1120},"k186",[],"Negotiating extended payment terms with suppliers",[],{"_key":1123,"_type":507,"children":1124,"level":839,"listItem":840,"markDefs":1129,"style":514},"k191",[1125],{"_key":1126,"_type":511,"marks":1127,"text":1128},"k190",[],"Reducing excess inventory to free up cash",[],{"_key":1131,"_type":507,"children":1132,"level":839,"listItem":840,"markDefs":1137,"style":514},"k195",[1133],{"_key":1134,"_type":511,"marks":1135,"text":1136},"k194",[],"Reviewing your pricing to protect margins",[],{"_key":1139,"_type":507,"children":1140,"markDefs":1145,"style":514},"k199",[1141],{"_key":1142,"_type":511,"marks":1143,"text":1144},"k198",[],"Timing matters as much as volume. Even if sales are strong, poor timing between payments and collections can squeeze your position.",[],{"_key":1147,"_type":507,"children":1148,"markDefs":1153,"style":750},"k203",[1149],{"_key":1150,"_type":511,"marks":1151,"text":1152},"k202",[],"Working capital financing options in Australia",[],{"_key":1155,"_type":507,"children":1156,"markDefs":1161,"style":514},"k207",[1157],{"_key":1158,"_type":511,"marks":1159,"text":1160},"k206",[],"Sometimes internal adjustments aren't enough. Businesses have several financing options to bridge gaps.",[],{"_key":1163,"_type":507,"children":1164,"markDefs":1169,"style":514},"k211",[1165],{"_key":1166,"_type":511,"marks":1167,"text":1168},"k210",[],"Invoice financing lets you access cash tied up in unpaid invoices before customers pay. Business lines of credit give you flexible access to funds when needed.",[],{"_key":1171,"_type":507,"children":1172,"markDefs":1177,"style":514},"k215",[1173],{"_key":1174,"_type":511,"marks":1175,"text":1176},"k214",[],"Trade finance can help if your gaps come from import\u002Fexport cycles. Government-backed programmes through organisations like the Australian Business Growth Fund may also be worth exploring.",[],{"_key":1179,"_type":507,"children":1180,"markDefs":1185,"style":514},"k219",[1181],{"_key":1182,"_type":511,"marks":1183,"text":1184},"k218",[],"Choosing the right option depends on your CCC, growth stage, and how long gaps typically last.",[],{"_key":1187,"_type":507,"children":1188,"markDefs":1193,"style":750},"k223",[1189],{"_key":1190,"_type":511,"marks":1191,"text":1192},"k222",[],"Conclusion",[],{"_key":1195,"_type":507,"children":1196,"markDefs":1209,"style":514},"k232",[1197,1201,1205],{"_key":1198,"_type":511,"marks":1199,"text":1200},"k229",[],"At ",{"_key":1202,"_type":511,"marks":1203,"text":627},"k230",[1204],"k225",{"_key":1206,"_type":511,"marks":1207,"text":1208},"k231",[],", we work with founders building businesses that move fast and operate across borders. Understanding your position isn't just an accounting exercise; it’s the foundation for growth decisions.",[1210],{"_key":1204,"_type":558,"externalUrl":1211,"linkType":171},"\u002F",{"_key":1213,"_type":507,"children":1214,"markDefs":1219,"style":514},"k236",[1215],{"_key":1216,"_type":511,"marks":1217,"text":1218},"k235",[],"We built Aspire to help business owners stay on top of finances without friction. From multi-currency accounts to real-time expense visibility, our platform gives clarity to manage resources confidently.",[],{"_key":1221,"_type":507,"children":1222,"markDefs":1226,"style":750},"k240",[1223],{"_key":1224,"_type":511,"marks":1225,"text":469},"k239",[],[],{"_key":1228,"_type":507,"children":1229,"markDefs":1234,"style":514},"k244",[1230],{"_key":1231,"_type":511,"marks":1232,"text":1233},"k243",[],"Here are some common questions about working capital and how it applies to your business.",[],{"_key":1236,"_type":507,"children":1237,"markDefs":1242,"style":823},"k248",[1238],{"_key":1239,"_type":511,"marks":1240,"text":1241},"k247",[],"What is the difference between working capital and operating capital?",[],{"_key":1244,"_type":507,"children":1245,"markDefs":1250,"style":514},"k252",[1246],{"_key":1247,"_type":511,"marks":1248,"text":1249},"k251",[],"Working capital is equal to current assets minus current liabilities. Operating capital, on the other hand, may include long-term assets.",[],{"_key":1252,"_type":507,"children":1253,"markDefs":1258,"style":823},"k256",[1254],{"_key":1255,"_type":511,"marks":1256,"text":1257},"k255",[],"Why does working capital matter for small businesses?",[],{"_key":1260,"_type":507,"children":1261,"markDefs":1266,"style":514},"k260",[1262],{"_key":1263,"_type":511,"marks":1264,"text":1265},"k259",[],"Working capital matters for small businesses because it determines many key financial decisions. You’ll know whether you can cover daily expenses, pay staff, and seize short-term growth opportunities.",[],{"_key":1268,"_type":507,"children":1269,"markDefs":1274,"style":823},"k264",[1270],{"_key":1271,"_type":511,"marks":1272,"text":1273},"k263",[],"How often should you review your working capital?",[],{"_key":1276,"_type":507,"children":1277,"markDefs":1282,"style":514},"k268",[1278],{"_key":1279,"_type":511,"marks":1280,"text":1281},"k267",[],"Most businesses review their working capital monthly, as asset and liability positions shift with sales and payments.",[],{"_key":1284,"_type":507,"children":1285,"markDefs":1290,"style":823},"k272",[1286],{"_key":1287,"_type":511,"marks":1288,"text":1289},"k271",[],"How can understanding what working capital is help you manage business finances?",[],{"_key":1292,"_type":507,"children":1293,"markDefs":1298,"style":514},"k276",[1294],{"_key":1295,"_type":511,"marks":1296,"text":1297},"k275",[],"It identifies cash flow gaps early and supports smarter spending, investment, and long-term stability.",[],{"slug":1300,"title":1301},"guides","Guides",{"_type":333,"alternativeText":1303,"height":1304,"url":1305,"width":1306},"What is working capital, and how do you calculate it?",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F7888bf37fe7121984a52b996949aed08\u002Fwhat-is-working-capital_cover.jpeg",1200,[1308,1315,1323,1330,1336],{"_key":746,"_type":507,"children":1309,"level":839,"listItem":840,"markDefs":1314,"style":514},[1310],{"_key":1311,"_type":511,"marks":1312,"text":1313},"k1",[],"Working capital is the difference between a business's current assets and current liabilities, giving you a snapshot of whether you have enough short-term resources to cover day-to-day obligations.",[],{"_key":1316,"_type":507,"children":1317,"level":839,"listItem":840,"markDefs":1322,"style":514},"k5",[1318],{"_key":1319,"_type":511,"marks":1320,"text":1321},"k4",[],"The working capital ratio, calculated by dividing current assets by current liabilities, is a quick way to gauge financial health, with a ratio between 1.5 and 2.0 generally considered a healthy range for most businesses.",[],{"_key":1324,"_type":507,"children":1325,"level":839,"listItem":840,"markDefs":1329,"style":514},"k8",[1326],{"_key":752,"_type":511,"marks":1327,"text":1328},[],"Unlike cash flow, which tracks money movement over time, working capital is a point-in-time measure, and a business can have strong cash flow but still face a working capital shortage, or the reverse.",[],{"_key":760,"_type":507,"children":1331,"level":839,"listItem":840,"markDefs":1335,"style":514},[1332],{"_key":763,"_type":511,"marks":1333,"text":1334},[],"The cash conversion cycle connects directly to working capital by measuring how long it takes to turn inventory and operations into cash, with a shorter cycle meaning less strain on liquidity.",[],{"_key":771,"_type":507,"children":1337,"level":839,"listItem":840,"markDefs":1342,"style":514},[1338],{"_key":1339,"_type":511,"marks":1340,"text":1341},"k13",[],"When internal adjustments are not enough, financing options like invoice financing, business lines of credit, and trade finance can help bridge gaps, with the right choice depending on your growth stage and how long shortfalls typically last.",[],[1344],{"_key":746,"_type":507,"children":1345,"markDefs":1349,"style":514},[1346],{"_key":1311,"_type":511,"marks":1347,"text":1348},[],"Running a business means keeping money moving. If you've struggled to pay a supplier while waiting on customer invoices, you've felt the pressure of short-term finances. This article explains its meaning, how to calculate it, and what the numbers are telling you.",[],"2026-06-26T07:08:58.816Z",{"_type":1352,"metaDescription":1353,"metaTitle":1354,"socialShareImageUrl":1355},"seo","Understand what working capital is, why it matters for your business, and how to calculate it with a simple formula and examples.","What is working capital and how to calculate it - Aspire Australia",{"_type":333,"alternativeText":1303,"height":1304,"url":1356,"width":1306},"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F7888bf37fe7121984a52b996949aed08\u002Fwhat-is-working-capital_social.jpeg","what-is-working-capital",[1359,1366,1372,1378],{"_key":746,"_type":507,"children":1360,"level":839,"listItem":1364,"markDefs":1365,"style":514},[1361],{"_key":1311,"_type":511,"marks":1362,"text":1363},[],"SAP - https:\u002F\u002Fwww.sap.com\u002Findia\u002Fresources\u002Fwhat-is-working-capital","number",[],{"_key":1316,"_type":507,"children":1367,"level":839,"listItem":1364,"markDefs":1371,"style":514},[1368],{"_key":1319,"_type":511,"marks":1369,"text":1370},[],"Wikipedia - https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FWorking_capital",[],{"_key":1324,"_type":507,"children":1373,"level":839,"listItem":1364,"markDefs":1377,"style":514},[1374],{"_key":752,"_type":511,"marks":1375,"text":1376},[],"Corporate Finance Institute - https:\u002F\u002Fcorporatefinanceinstitute.com\u002Fresources\u002Ffinancial-modeling\u002Fworking-capital-formula\u002F",[],{"_key":760,"_type":507,"children":1379,"level":839,"listItem":1364,"markDefs":1383,"style":514},[1380],{"_key":763,"_type":511,"marks":1381,"text":1382},[],"Aspire - https:\u002F\u002Faspireapp.com\u002Fau",[],1790324261124]