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Working Capital Management tool

Our interactive tool can help you understand how to improve your working capital cycle and release cash into your business.

Use the tool
 

What is working capital?

Working capital is an accounting term which measures the health and productivity of your business. In essence, it is the money required to conduct day-to-day operations.
 
The movement of cash through your business is known as the working capital cycle. During this cycle, cash can be used to purchase raw materials, manufacture goods and pay for any supporting tasks before selling your goods to generate more cash.

Whether you are looking to self-fund growth, reduce debt or enhance your balance sheet, optimisation of working capital is key to business success.

How the tool can help your business 

Understand your business

Analyse the working capital performance of your business over the last 5 years using information from Companies House.

Build your strategy

Model different business scenarios and understand the impact on your working capital cycle.

Plan for the future

View the opportunities your business has to improve its working capital position and the financial solutions that may be relevant to your needs.

Compare with competitors

Benchmark your business' performance against peers in your industry.

Access information easily

Download your working capital report to use within your business or in discussions with your Relationship Manager.

Make effective decisions

Input your latest financial metrics as they become available to help make decisions about your business.

  • Understand your business
    Analyse the working capital performance of your business over the last 5 years using information from Companies House.
  • Build your strategy
    Model different business scenarios and understand the impact on your working capital cycle.
  • Plan for the future
    View the opportunities your business has to improve its working capital position and the financial solutions that may be relevant to your needs.
  • Compare with competitors
    Benchmark your business' performance against peers in your industry.
  • Access information easily
    Download your working capital report to use within your business or in discussions with your Relationship Manager.
  • Make effective decisions
    Input your latest financial metrics as they become available to help make decisions about your business.

Use the Working Capital Management tool

Take the tour or skip to enter your company details  

The Working Capital Management tool uses publicly available information from Companies House. We do not store any additional data that you input into the tool.

Reports displayed by the Working Capital Management Tool are compiled using our understanding of your business, from information provided by you, and from your accounts held with us, along with publicly available data. Any changes to that information, which take place after a report is generated, may alter its usefulness. The collated information is not advice, and should not be treated as such: it is provided for illustrative purposes as a basis for our discussion and should not be considered as a promise or guarantee of any particular benefit or return.

Frequently asked questions 

  • How do I use the Working Capital Management tool?  expandable section

    When you first use the tool, a walk-through will be shown on-screen to explain the key features. This can also be accessed at any time in the tool by clicking the ‘Take a Tour’ button in the top navigation menu. If you need further help or support then please contact your Relationship Manager. 

  • I have more recent data than what is provided on the tool. Can I use it? expandable section

    Yes. You can manually update or add data into the tool by selecting “Edit Company Data” in the Company Performance or Scenario Analysis tabs.
 

    You can also use this feature if your business does not file full accounts with Companies House.

  • I have questions about what the tool is showing me, who should I speak to? expandable section

    Please contact your Relationship Manager who will be happy to answer any questions you have or discuss financial solutions you may require.

  • Can I save the outputs from the tool for future reference? expandable section

    Yes. You can download a PDF report from the tool with all of the information you’ve entered for use internally or for discussions with your Relationship Manager.

  • Can I change the competitors compared in the Benchmark tab? expandable section

    Yes. The competitors shown in the Benchmark tab are selected by the tool based on your industry and revenue. You can add and remove companies using the “More Companies” button in the Benchmark tab.

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Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds and Lloyds Bank are trading names of Lloyds Bank plc, Bank of Scotland plc, Lloyds Bank Corporate Markets plc and Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is a wholly-owned subsidiary of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH has its registered office at Thurn-und-Taxis Platz 6, 60313 Frankfurt, Germany. The company is registered with the Amtsgericht Frankfurt am Main, HRB 111650. Lloyds Bank Corporate Markets Wertpapierhandelsbank GmbH is supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

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