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Finance & Operations

Working Capital Optimisation

Working Capital Optimisation improves how cash moves through receivables, payables, and inventory, releasing cash that is otherwise locked in the business.

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Summary

A structured approach to freeing up the cash tied up in receivables, payables, and stock, so more of your money is available to run and grow the business. See how we evaluate approaches →

This approach implements: Improve Cash Flow · Reduce Operational Costs
⏱ Typical: 1-3 months
📊 Effort: Medium
🔒 Risk: Strong (direct cash impact)
When to Use This Approach
Use this to determine whether this solution is right for your business right now.
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Where It's Suitable

Cash is tight even when you are profitable
Customers pay slowly and tie up your cash
Stock or work-in-progress ties up money
You rely on credit to bridge timing gaps
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Where It's Not the Right Fit

You have no receivables, stock, or payables to manage
The core issue is profitability, not timing
You cannot influence payment terms at all
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Key Risks

Pushing suppliers so hard you damage relationships
Tightening terms and losing customers
Cutting stock so far you cannot fulfil demand
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Timelines

1-3 months
Typical Implementation Stages
Standard flow for this engagement. Your provider may adapt based on your specific situation.
1

Business Financial Review

Audit of current financial reporting and tools
Cash flow health assessment
Identify gaps and immediate priorities
Establish reporting cadence and ownership
⏱ Weeks 1–3
2

Strategic Planning

Build 12-month financial model and projections
Cash flow optimisation recommendations
Identify cost reduction and revenue improvement levers
KPI framework and dashboard setup
⏱ Weeks 3–8
3

Ongoing Oversight

Monthly P&L and cash flow reviews
Board or owner reporting package
Strategic financial advice on decisions
Funding and growth support as needed
⏱ Month 2 onwards
Evidence snapshot

What the data shows for this approach

2
Case studies available
Verified outcomes on SavvyKai
1-3 months
Days to first result
Average time-to-value reported
Strong (direct cash impact)
Case study evidence
Self-reported + third-party verified
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Goals This Approach Supports
🎯 Improve Cash Flow🎯 Reduce Operational Costs
Packages Implementing This Approach
Structured packages built specifically around this solution pattern.

Packages for this solution are coming soon.

Case Studies Using This Approach
Outcomes from businesses that used this engagement.

Case studies for this solution are coming soon.

Businesses Like You Asked
Real questions from buyers evaluating this approach — answered by the SavvyKai community.
▲ 24 votesFinanceSME
Is this approach actually worth it for a small business? Feels like overkill.
Most businesses at that size have the same problem — the owner is the de facto CFO and doesn't know what they don't know. The value isn't the reporting; it's having someone who reads the numbers and tells you what to do about them…
12 answersRead discussion →
Frequently Asked Questions
Common questions about this approach.

What does a Fractional CFO actually do?

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A Fractional CFO provides part-time strategic financial leadership — building financial models, managing cash flow forecasts, advising on funding, and producing owner-ready reporting. They operate at the strategy level, not day-to-day bookkeeping.

How is this different from hiring a bookkeeper?

+

How much does a Fractional CFO engagement cost?

+

How long before I see results?

+
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Evidence Snapshot
Case studies2 verified
Avg time to value1-3 months
Evidence levelStrong (direct cash impact)
Packages available0 active
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