Cash-flow control
Know what cash is doing before it starts making decisions for you.
A 13-week cash-flow model turns timing into something an owner can manage. It brings collections, vendor payments, payroll, tax reserves, and capital expenditures into one weekly view.
The rolling schedule
Built from the business you actually run.
The model starts with a clean baseline, then rolls forward every week. Actual cash is compared to expected cash so the next decision is visible while there is still time to make it.
Collections
Invoices, customer promises, aging, and the point where a receivable becomes a bank problem.
Payments
Vendor runs, payroll, tax reserves, fuel, equipment, and the costs that keep the field moving.
01
Set the baseline
Normalize the balance sheet, DSO, terms, and recurring commitments.
02
Roll each week
Replace assumptions with actuals and carry the horizon forward.
03
Act early
Adjust collections, payment timing, and reserves before liquidity pinches.
Illustrative financial scenario
Working capital model
Annual gross revenue
$5,000,000
Current DSO
70 days
Target baseline DSO is modeled at 42 days through immediate billing and structured payment terms.
Interest savings assume an illustrative 9.50% commercial bank rate on working capital.
Actual liquidity release depends on contract terms, customer credit, and project milestones.
Trapped receivables
$972,222
Cash uncollected at current DSO
Modeled release
$388,889
Capital freed if compressed to 42 days
Est. LOC interest saved
$36,944 / yr
At a 9.5% illustrative rate
DSCR discipline
1.48x
Illustrative normalized outcome; target above 1.30x
What owners get
No unexpected liquidity pinches.
- A shared view of what can be paid, delayed, or collected next.
- A weekly conversation grounded in actual cash instead of month-end surprise.
- Better visibility into DSO, borrowing-base eligibility, and the costs behind growth.
- DSCR-focused discipline that gives lenders a cleaner operating story.
There is no long-term contract trap. The model and operating rhythm are built to make the business stronger and more independent. Owners can disengage when the work is stable, with a clean handoff and a clear baseline for whoever runs it next.
Build your cash model