Finance Desk · Cash timing

Know the first short checkpoint before you pay for faster money.

Use cash on hand, protected reserve, expected receipts, and required bills to see what the entered totals support today, by day 14, and by day 30.

This is checkpoint analysis, not an exact due-date calendar. Unknown stays Unknown.

Build Cash Flow Plan

Core rule Do not spend protected cash or buy faster payment before you know the first short checkpoint the entered totals actually prove.

Your saved Finance results

Profit and cash are checked separately.

CPM & Load Floor shows whether your revenue covered your operating costs. This page shows whether your cash reaches day 14 and day 30. Each one is saved on its own, and neither changes the other.

Cash Flow record

Trace the runway without pretending protected cash is spendable.

Cash today, cumulative day-30 receipts, and cumulative day-30 bills create the basic runway. The optional Day-14 pair tests the mid-month checkpoint.

Minimum cash facts

Cash todayActual cleared cash in the business account, not a card limit or hoped-for deposit.

Receipts expected by day 30Include all customer payments expected by day 30, including any expected by day 14.

Required bills due by day 30Include all required bills due by day 30, including any due by day 14.

Optional precision

You can build the basic runway without these fields. Blank stays Unknown. Without protected reserve, uncovered-after-reserve stays Unknown.

Protected reserveTax, maintenance, tire, or emergency money inside today’s balance that should not be used for ordinary bills.

Day-14 checkpoint

Add both numbers when you know the mid-month timing. One blank side keeps this checkpoint incomplete.

Receipts expected by day 14Leave blank when the mid-month receipt timing is unknown.

Required bills due by day 14Leave blank when the mid-month bill timing is unknown.

Cash plan result

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Cash Flow inputs changed. Rebuild the result to use these values.

First move

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Open CPM & Load Floor

Educational decision support. The actual bank balance, bill due dates, receipt clearing dates, payment terms, accepted paperwork, and signed contract control.

Matching Finance Guides

Use the Guide that matches the pressure the Cash Plan exposed.

Guide titles are the visible identity. The existing numbered hashes remain only as temporary locators until the Finance Guide library is migrated.

Profit vs. Cash Flow: A Good Month Can Still Run Out of Cash

Separate operating performance from payment timing and understand what a checkpoint can—and cannot—prove.

Read cash-flow Guide →

Settlement Deductions: Read What Actually Reached the Business

Trace deductions, escrow, bills, and settlement records before calling cash movement an expense or a payment problem.

Read settlement Guide →

Factoring Cost: The Percentage Is Not the Whole Price

Understand advance, reserve, fees, recourse, contract risk, and exit terms only after timing pressure is established.

Read factoring Guide →