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Answer 13 questions and get a financial-health score of 0–100, a diagnostic across 3 dimensions and the most urgent action priorities for your company.
Tools individual
Already know what you want to analyse? Pick the tool directly.
How long does your company take to get paid after invoicing? Compare with the national and European average.
PT average: 67 days · EU average: 45 days Calculate DSO → LiquidityDPOAre you making good use of your suppliers' credit? Calculate your average payment term.
Ideal: 30–45 days · Risk: +60 days Calculate DPO → LiquidityFMDo you have enough capital for day-to-day operations? Calculate your company's current liquidity.
Healthy ratio: ≥ 1.5× Calculate → ProfitabilityBEAt how many units and what revenue do you start turning a profit? Calculate your operating break-even.
Break-even in units and in euros Calculate → FinancingF/OWhich financing is cheapest for your company? Compare the real cost of each option.
Factoring: 3–5% · Overdraft: 8–15% Compare → RightsJMCalculate the interest you are entitled to charge on late B2B payments, under Portuguese law.
Rate: ECB + 8 p.p. · DL 62/2013 Calculate → Financial structureAFAssess the soundness of your financial structure: autonomy, charge coverage and undercapitalisation risk.
Healthy benchmark: ≥ 30% equity Calculate → Operational efficiencyPMIHow long is your money tied up in stock? Spot excess inventory and its opportunity cost.
Benchmark: 30–45 days · Risk: +90 days Calculate → Commercial riskCCAssess how dependent your portfolio is. A customer accounting for over 30% of revenue is a strategic risk.
High risk: 1 customer > 30% of revenue Analyse → SustainabilityESGAssess your SME's Environmental, Social and Governance performance. Score 0–100 with tier and improvement plan.
Based on the VSME standard (EFRAG) · Free Calculate ESG →From undercapitalisation to dependence on a single customer: the most common risk patterns and how to avoid them.
Why financial literacy
Portugal has 400,000 SMEs generating €160 billion in annual revenue. Most have no access to the financial-diagnostic tools that large companies use every day.
It is Advanta's ESG commitment: to democratise financial knowledge, so every manager makes better decisions, with or without our service.
See where the company stands today with objective, comparable metrics.
Understand what each metric means and how the best managers use them.
Practical recommendations and financing to carry out the improvements.
Track progress and prove the impact of your decisions over time.
Cases illustrative
Examples based on typical profiles of Portuguese SMEs using factoring and confirming.
Public works with invoices to municipal councils. With factoring, they now get paid within 24h regardless of public-sector terms. Capital freed up: €180k.
Non-recourse factoringA distributor with 30 suppliers paid ahead of term. Confirming extended terms to 82 days with no impact on the commercial relationships. Extra cash: €95k.
ConfirmingCustomers paying at 90 days while salaries and rents fell due at 30. Factoring reversed the negative working capital in 6 weeks, with no recourse to bank credit.
FactoringIllustrative cases based on typical profiles. Real results vary with the company's risk profile.
Self-diagnostic warning signs
Positive results do not guarantee financial health. These are the most common risk patterns in Portuguese SMEs.
Do customers pay in more than 60 days?
Locked-up capital finances your customers, not the business.
See the calculator →Do you pay suppliers before collecting from customers?
A treasury gap that worsens as you grow.
See the calculator →Is working capital negative or close to zero?
An inability to absorb operational shocks.
See the calculator →Do you depend on one customer for over 40% of revenue?
A drop in orders could be fatal for liquidity.
See the calculator →Do you use an overdraft to pay salaries or suppliers?
A clear sign of a structural treasury mismatch.
See the calculator →Are sales growing but cash not keeping up?
Growth without liquidity accelerates the risk of insolvency.
See the calculator →Do you have invoices overdue by more than 90 days uncollected?
Every extra day costs legal late-payment interest and credibility.
See the calculator →Is your financial autonomy below 30%?
A company overly dependent on outside financing.
See the calculator →Guides practical
Detailed explanations, jargon-free, with steps you can apply this week.
How it works, costs, types and how to start.
Complete guideWhat is confirming?Pay suppliers with extra term.
Practical guide7 ways to improve your treasuryStrategies you can put in place this week.
Practical guideCustomers not paying invoices?5 solutions to protect your treasury.
ComparisonEvery financing optionFactoring, confirming, loans, leasing and more.
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