Textile operations tool

Garment Export Working Capital Calculator

See how material lead time, production duration and buyer credit terms affect the cash required to execute an export order.

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Enter your production values to calculate an operational estimate.

Estimate working capital, funding days and finance cost for a garment export order using costs, lead times, buyer credit and advances.

Method: finance cost = funding required × annual interest rate × funding days ÷ 365

Material, conversion and overhead total ₹800,000, the buyer advances ₹100,000, funding lasts 110 days and annual interest is 12%.

Why include buyer credit days?

The exporter continues funding the order after shipment until payment is received, unless receivables are discounted or financed separately.

Does this replace a bank working-capital assessment?

No. It is an order estimate and does not include every banking fee, margin requirement, tax timing or currency exposure.

Should supplier credit reduce funding days?

Yes, when it is contractually available. Adjust the timing inputs or net funding requirement to reflect when supplier payments are actually due.

Connect material planning, production, inventory, quality, costing and finance instead of repeating calculations for every order.