The Cash Conversion Check: DSO, DIO, and DPO reviewed weekly so receivables drift, inventory over-build, and payables under-use do not compound into a cash gap.

A six-question diagnostic intake opens the book and routes the reader to the right starting tool based on which leg of the cash conversion cycle is moving fastest in the wrong direction.

Cash Conversion Cycle Check is twenty minutes a week recalculating DSO, DIO, and DPO against the previous week's reading and flagging any leg that has shifted more than three days. The three-day threshold is deliberate: it is the smallest move that, compounded over a quarter, produces a gap large enough to trigger a bank conversation. Two worked examples: a domestic distribution owner running CCC checks across a stable customer base where the signal is DIO creeping in a single SKU category, and a Bandung garment exporter facing a seasonal DIO spike that surfaces a secondary DPO gap the operator had not noticed because payable dates were managed by relationship rather than by calendar.

Receivables Aging Map is a weekly look at the aging buckets with structured triage by amount and customer segment. The instrument distinguishes relationship risk (a long-standing customer who is slow this month) from structural risk (a customer segment that routinely extends). Two worked examples: a single-entity distributor running relationship triage across one customer base, and a Surabaya multi-branch spare parts wholesaler running segment-level concentration analysis across workshop trade and fleet operators where the concentration picture only appears at the segment level.

Vendor DPO Optimizer is five minutes per week reviewing payable terms against actual payment dates and computing the working capital recovered by closing the gap. Two worked examples: a manufacturer with uniform payment dates where the finding is straightforward, and a Yogyakarta hotel linen supplier with six irregular vendors where an unclaimed early-payment discount surfaces as the non-obvious finding that the optimizer catches.

Each tool carries a self-scoring rubric, a quick decision tree, and tier adaptations for single-owner shops, mid-tier businesses, and pre-IPO operations. A thirty-day plan at the back sequences the three tools so the rhythm forms without overload.

Written from the seat of an Indonesian operator. The cash conversion cycle is universal; the examples carry Indonesian operational texture that translates directly to other emerging markets and to many developed-market SME settings.

What this companion does NOT do

Replace Working Capital Management (Operator Playbooks 07).

Address quarterly recalibration or scenario-triggered working capital crises.

Who This Is For

Operators managing receivables, inventory, and payables without a treasury function.

Owners whose CCC has drifted from the assumptions in the original credit application.

Mid-tier directors who want a structured weekly rhythm before approving the next round of credit-line expansions.

Topics and Keywords weekly working capital, cash conversion cycle, DSO DIO DPO, receivables aging, vendor DPO optimizer, SME working capital, operator playbook companion