Savings and Credit Cooperative Organisations occupy a central position in Uganda's financial inclusion architecture, yet their financial performance remains constrained by persistent weaknesses in the management of short-term assets and obligations. This study examined the influence of working capital management on the financial performance of SACCOs in Ngoma Town Council, Nakaseke District. Adopting a positivist philosophy and a cross-sectional survey design, data were collected from 108 respondents drawn through stratified random sampling from a target population of 148 comprising SACCO managers, accounts and loans officers, credit committee members, board members, and internal auditors across registered SACCOs in the town council. A structured questionnaire measured four working capital dimensions, namely cash management, accounts receivable and loan portfolio management, accounts payable and savings liability management, and liquidity management, against financial performance assessed through profitability, operational self-sufficiency, portfolio quality, and growth in membership and savings. Data were analysed using descriptive statistics, Pearson correlation, and multiple regression in SPSS version 26. Findings revealed that cash management recorded the highest mean while accounts receivable and loan portfolio management recorded the lowest. All four dimensions correlated significantly and positively with financial performance, with accounts receivable and loan portfolio management strongest (r = 0.718, p < 0.01), followed by liquidity management (r = 0.652, p < 0.01), cash management (r = 0.564, p < 0.01), and accounts payable and savings liability management (r = 0.521, p < 0.01). The regression model was significant, F(4, 98) = 46.27, p < 0.001, explaining 58.3 per cent of variance in financial performance, with accounts receivable and loan portfolio management (β = 0.374) and liquidity management (β = 0.281) the dominant predictors. The findings corroborate Natukunda et al. (2023), who found receivable management significant while cash management was not in Sheema Municipality, and extend Bisherurwa and Lule (2023), whose Makindye Division study attributed 40 per cent of financial performance to working capital