Finance Desk · Decision center

Cash Flow Decision Center

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

Use cash on hand, protected reserve, expected receipts, and required bills to see what happens now, by day 14, and by day 30.

Decision support based on the cash facts you enter. Unknown stays Unknown.

Build Cash Flow Plan

Core ruleDo not spend protected cash or buy faster payment before you know the first short date.

Trace the runway without pretending protected cash is spendable.

Cash today, day-30 receipts, and day-30 bills create the basic runway. Day 14 catches mid-month trouble.

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, payment terms, accepted paperwork, and signed contract control.

Guides

Use the guide that explains the pressure you found.

Guide 09

Finance Desk path

Work the Finance Desk path in order.

Diagnose

Finance Desk Starting Point

Name the money problem before choosing a product.

Open Starting Point → Calculate

CPM & Load Floor

Calculate the true all-mile operating floor.

Open CPM & Load Floor →

Decide