Is the problem margin, timing, or both?
The Finance Desk tells you whether the business problem is weak margin, cash timing, or both. It reads the saved Finance evidence before routing you to the next move.
Do not buy a payment-speed product to repair freight that never covered the truck. Do not call a profitable month healthy if required bills arrive before usable cash.
Read the money problem in the right order.
Start with evidence, not a product. The sequence stays the same whether the answer is Fix, Improve, Wait, Keep, Compare, or Not Ready.
CPM asks whether revenue covers the truck’s documented all-mile operating floor.
Cash Flow asks whether usable cash arrives before the bills and obligations come due.
Only compare faster-payment products when timing remains the verified problem after the first two checks.
Evidence ceiling: The Finance Desk can combine only what CPM and Cash Flow have actually established. Missing evidence lowers the strength of the conclusion instead of being silently repaired.
Combine the current Operating and Liquidity readings.
The report expands only when both saved checks are current and valid. Until then, the Finance Desk shows what is known and which owner needs the next update.
Building the current Finance Desk picture.
The report expands when both current checks are available and valid.
Compare the uncovered timing gap.
Compare Payment OptionsEmail your Financial Check-Up Report
Report delivery does not require marketing permission.
Update the numbers or start clean.
Your completed report remains saved in this browser until you replace it or clear it. Reports already emailed, copied, printed, or saved as PDFs are not affected.
Start a new Financial Check-Up?
This clears the CPM and Cash Flow results saved in this browser. Reports already emailed, copied, printed, or saved as PDFs will not be deleted.
Understand the number before acting on it.
These three articles follow the same sequence as the check-up: establish margin, understand timing, then compare a payment product only when timing is still the problem.
Cost Per Mile: What Belongs in the Number
Use this before trusting a CPM result. It explains which costs belong in the operating floor, why total miles matter, and why an unsupported number stays Unknown.
Read article → TimingProfit vs. Cash Flow: A Good Month Can Still Run Out of Cash
Use this when the work appears profitable but the bank account still runs short before bills are due. Margin and timing are related, but they are not the same problem.
Read article → Payment optionsDirect Pay, QuickPay, or Factoring: Solve the Timing Problem You Actually Have
Use this only after the timing gap is known. It compares waiting, QuickPay, and factoring by the problem each option is actually being asked to solve.
Read article →Work the Finance Desk path in order.
Finance Desk Starting Point
Name the money problem and view the Finance-only report.
Current pageCPM & Load Floor
Calculate the true all-mile operating floor.
Open CPM & Load Floor → DecideCash Flow Decision Center
Find the first short date and name the first move.
Open Cash Flow → ComparePayment & Factoring Options
Compare written payment terms only when timing remains the problem.
Open Payment Options →Finance Desk · Your numbers. Not our defaults.