---
title: "Working Capital Gap Calculator · T240 · Cat-20"
method: POST
path: "/v1/tools/working_capital_gap_calculator"
---

# Working Capital Gap Calculator · T240 · Cat-20

`POST /v1/tools/working_capital_gap_calculator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/working_capital_gap_calculator`
- Auth: none declared

Calculate your SME's cash conversion cycle (CCC) and working capital funding gap. Recommends overdraft, invoice finance, revenue-based finance, and trade credit instruments. Policy Mandate JSON export. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/240-working-capital-gap-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `currency` 'GBP' | 'USD' | 'EUR', required
  - `sector` string, required: Industry sector for benchmark comparison
  - `annualRevenue` number, required
  - `arDays` number, required: Average accounts receivable days outstanding
  - `inventoryDays` number, required: Average inventory holding days
  - `apDays` number, required: Average accounts payable days

## Response `200`

Successful tool execution result

- object
  - `ccc` number: Cash Conversion Cycle in days
  - `workingCapitalGap` number: Funding gap in selected currency
  - `riskTier` 'Low' | 'Moderate' | 'Elevated' | 'High'
  - `sensitivityMinus20` number
  - `sensitivityPlus20` number
  - `financingOptions` string[]

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)