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The liquidity gap is the total funding requirement of the declared project minus the available funds**.

Generally, bank lending is for projects, not for enterprises. If the enterprise reports the project capital demand, including fixed assets, working capital, cost funds, etc., it is the capital occupation, and the capital ** is the enterprise's own funds, state subsidy funds, bank loan funds, etc., the subtraction of these two sets of data, often called the funding gap, is also the basis for banks to consider lending. For example, the working capital gap is the difference between the capital ** and the capital demand, which can be subtracted from the equity, that is, the liability is essentially the working capital gap of the enterprise.

For loans, the difference between project demand and project funding can be referred to as a funding gap.

How the funding gap is defined and calculated depends on the object of the study or analysis.

There is no prescribed formula, and there is no accurate algorithm, so generally a time should be defined first, such as within the next month. First of all, analyze the monetary inflow that can be realized in the next month, such as the cash inflow of operating income, the cash inflow of previous arrears, the cash inflow of financing, etc., and then analyze the cash outflow items in the next month, such as: the cash payment part of the purchased materials, the cash expenditure part of the payment of the previous arrears, and the necessary expenditure part of the payment of various expenses, which is roughly calculated in this way.

Businesses in different industries have different cash flows. If it is an operating enterprise, its capital gap can be analyzed mainly from the net cash flow generated by operating activities, and the working capital is mainly used for its daily turnover; If it is a production enterprise, its funding gap can be mainly analyzed from the purchase of raw materials and the depreciation of equipment.

Of course, the financial statements can judge whether an enterprise's liquidity is sufficient, and it should be the main basis for analysis. The landlord can make a horizontal comparison of the current assets of the enterprise according to the balance sheet for three consecutive years, such as: monetary funds, accounts receivable, inventory, amortized expenses and other indicators to calculate its actual working capital gap.

The formula for calculating the liquidity gap is as follows: liquidity gap = working capital - borrower's own funds - existing working capital loans - working capital provided by other channels.

1. Accounts receivable turnover rate = sales revenue and average accounts receivable balance.

Accounts receivable turnover days = 360 accounts receivable turnover ratio.

2. Prepaid accounts turnover rate = cost of sales average prepaid accounts balance.

Days of prepaid accounts turnover = 360 Prepaid accounts turnover ratio.

3. Inventory turnover rate = cost of sales average inventory balance.

Inventory turnover days = 360 inventory turnover ratio.

4. Accounts payable turnover rate = cost of sales average accounts payable balance.

Accounts Payable Turnover Days = 360 Accounts Payable Turnover Ratio.

5. Advance accounts receivable turnover rate = sales revenue Average balance of accounts receivable.

Advance receivables turnover days = 360 Advance receivables turnover ratio.

6. The number of working capital turnover = 360 (inventory turnover days + accounts receivable turnover days - accounts payable turnover days + prepaid accounts turnover days - advance accounts receivable turnover days).

7. The amount of working capital = sales revenue of the previous year * (1 - sales profit margin of the previous year) * (1 + estimated annual growth rate of sales revenue) The number of working capital turnover.

8. Own funds = the part of undistributed profits that can be used for working capital turnover + net profit for the current year + depreciation - dividends - planned loan repayment.

9. Working capital gap = working capital - borrower's own funds - existing working capital loans - working capital provided by other channels.

Resources.

There is a formula for calculating it.

The number of working capital turnover is 360 (average days of accounts receivable turnover + average days of prepaid accounts turnover + average days of inventory turnover average days of accounts payable - average days of advance accounts receivable).

Working capital volume Sales revenue * (1 sales profit margin) * (1 + sales growth rate) Number of working capital turnovers.

Funding Gap Working Capital (Net Assets Net Fixed Assets Long-term Investment) Total Credit Facilities Other Sources of Funds are Available.

Amount of working capital Sales revenue of the previous year (1 Profit margin of sales of the previous year) (1 Estimated annual growth rate of sales revenue) Number of working capital turnovers

Among them: the number of working capital turnover 360 (inventory turnover days + accounts receivable turnover days accounts payable turnover days prepaid accounts turnover days advance receivables turnover days).

Turnover days = 360 turnovers

Number of prepaid accounts turnover Cost of sales Average prepaid accounts balance Number of accounts payable turnover Cost of sales Average accounts payable balance

This is a common practice, under normal circumstances, there are many applications for loans, and there are few actual approvals, so it is not necessarily that there is a problem with your company's statements.

There are many ways for banks to decide whether to provide your company with a working capital loan or an acceptance bill of credit, but one of them is to calculate the liquidity gap based on your company's financial statements. This is a hard indicator.

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New working capital loan amount = amount of working capital - borrower's own funds - existing working capital loans - working capital provided by other channels.

Among them: the amount of working capital = [sales revenue of the previous year * (1 - sales profit margin of the previous year) * (1 + estimated annual growth rate of sales revenue)] number of working capital turnover.

Number of working capital turnover = 360 (inventory turnover days + accounts receivable turnover days - accounts payable turnover days + prepaid accounts turnover days - advance accounts receivable turnover days).

Turnover days = 360 turnovers

The amount of credit granted to general enterprises shall not exceed 50% of the sales revenue. For example, if your company wants to handle an acceptance credit of 100 million yuan, your sales revenue cannot be less than 200 million yuan.