MarginWorkshopCash & Capital
Reserve sizing, receivables, retainage, and credit line decisions for cash flow and growth runway.
Payroll Reserve / Cash Buffer
How many weeks of payroll the business should hold in reserve before a slow stretch forces a bad decision.
Operating Reserve Sizing
How large the business's all-purpose cash reserve should be, combining overhead cover and a revenue-volatility buffer with the payroll reserve.
Receivables & Payment Terms Cash Impact
How much cash is tied up in receivables at your current payment terms, and what tightening them actually frees up.
Deposit Policy Impact on Cash & Risk
What deposit percentage actually covers your material lead cost and protects you if a customer walks away.
Retainage Impact on Cash Flow
How much cash retainage actually ties up on a contract, for how long, and what that carrying cost is worth.
Growth Cash Crunch / Expansion Runway
How much cash a growth push, a new crew, a truck, a hire, actually requires before it turns cash-positive, and whether your reserve covers it.
Line of Credit Sizing for Seasonal Cash Gaps
What size credit line actually covers your seasonal low-month cash gap, after your existing reserve.
Cash Conversion Cycle
The full length of your cash cycle, receivables, payables, truck stock, and retainage combined, the one terminal synthesis number the whole Cash & Capital cluster builds toward.