Key facts
- Scores six areas out of 100: cash runway, inventory turns, net margin, cash cycle and stock load, seasonality exposure, platform diversification.
- Two months of runway, four or more turns a year, and a cash cycle under 60 days is a healthy baseline.
- Educational only: nothing is submitted, stored, or reviewed, and it is not a credit decision.
- Above 75 is strong; 50 to 75 has one area holding it back; below 50, fix runway and margin before adding inventory.
Last updated September 7, 2026. Fee presets, payout timing, and Onramp Funds eligibility and fee example checked against the published sources listed at the end of this page.
How the health check works
Enter ten numbers you already know: monthly revenue, cash on hand, inventory at cost, inventory turns, contribution and net margin, payout delay, supplier lead time, peak-season multiplier, and how many platforms you sell on. The check scores six areas out of 100 and names the weakest one with a specific fix. Results appear immediately, with no form and no application. It is educational, not a credit decision, and it does not affect anything.
What is scored
- Cash runway (25 points): cash on hand against monthly costs. Two months of runway earns full marks.
- Inventory turns (15): how many times a year stock turns over. Six or more is full marks.
- Net margin (20): what is left after everything. 20% earns full marks.
- Cash cycle and stock load (25): days from paying a supplier to receiving a payout, and how much of a month of revenue is sitting in inventory.
- Seasonality exposure (15): how much bigger peak month is than average. Higher peaks need more advance planning.
- Platform diversification (10): selling on more than one platform spreads payout timing and risk.
What makes this different
- Results before any form: the score, the breakdown, and the fix show up as you type.
- A specific fix, not a generic tip: the weakest area determines the recommendation, and it is not always capital. Sometimes it is margin or turns.
- Compare two scenarios side by side, share a link with your numbers, or save the result as a PDF. Inputs carry over between the calculators on this site.
- Nothing is stored. Everything runs in your browser.
What to do with the score
Above 75, the business is in a strong position and capital would be for growth. Between 50 and 75, one area is holding things back, and the fix is named. Below 50, address runway and margin before adding inventory. When capital is the fix, Onramp Funds advances capital against combined sales across 9 platforms, repaid as a percentage of daily sales, with no personal credit check. See how much capital your combined revenue unlocks.
Sources
Frequently asked questions
Is this a credit check or an application?
No. It is an educational scorecard built from the numbers you enter. Nothing is submitted, stored, or reviewed.
What is a good working capital position for an ecommerce brand?
Two months of cash runway, four or more inventory turns a year, and a cash cycle under 60 days from supplier payment to payout is a healthy baseline for most sellers.
Does this check store my data?
No. Everything runs in your browser and nothing is uploaded.
Onramp Funds
Funding built around your sales
Connect your store and see what you qualify for. Repay as a percentage of sales, with no personal credit check.
Funding in as little as 24 hours.
