What you get
Everything on this page came out of the same engines that run for paying clients. The company is Summit Peak Manufacturing, which does not exist. Its books are generated in code so that nothing here belongs to a real client.
The weekly note
Three to five sentences, written from the grid, read by me before it goes out. The note names the tightest week and says what to do about it. It never repeats a number the grid does not support.
SAMPLE DATA · Summit Peak Manufacturing (fictional)Week of 2026-10-12 · to Dana
Cash stands at $183,460 as of October 9, against a $50,000 buffer. The tightest point is week 13, the week of January 4, when the forecast closes at $127,860, which is $77,860 above the buffer. Over the 13 weeks ahead I expect $391,200 in and $446,800 out, leaving $127,860 at the end. No action needed this week; the thinnest week still holds $77,860 above the buffer.
George
The 13-week grid
Opening cash, then what comes in and what goes out, then the closing balance for each of the next thirteen weeks. The lowest week is marked. The line below the grid is the buffer you set, so any week that dips under it is obvious at a glance.
| Week | Week of | Opening | In | Out | Closing |
|---|---|---|---|---|---|
| 1 | 2026-10-12 | $183,460 | $141,050 | $81,480 | $243,030 |
| 2 | 2026-10-19 | $243,030 | $37,900 | $24,750 | $256,180 |
| 3 | 2026-10-26 | $256,180 | $45,500 | $67,890 | $233,790 |
| 4 | 2026-11-02 | $233,790 | $47,700 | $0 | $281,490 |
| 5 | 2026-11-09 | $281,490 | $67,050 | $45,780 | $302,760 |
| 6 | 2026-11-16 | $302,760 | $6,500 | $5,650 | $303,610 |
| 7 | 2026-11-23 | $303,610 | $6,500 | $47,500 | $262,610 |
| 8 | 2026-11-30 | $262,610 | $6,500 | $0 | $269,110 |
| 9 | 2026-12-07 | $269,110 | $6,500 | $44,800 | $230,810 |
| 10 | 2026-12-14 | $230,810 | $6,500 | $5,650 | $231,660 |
| 11 | 2026-12-21 | $231,660 | $6,500 | $47,500 | $190,660 |
| 12 | 2026-12-28 | $190,660 | $6,500 | $31,000 | $166,160 |
| 13 | 2027-01-04 | $166,160 | $6,500 | $44,800 | $127,860 |
Closing cash by week (gold) against the $50,000 buffer (dashed). Low week circled.
This is what arrives in your portal. The numbers above are sample data; yours come from your books.
The variance view
Each Monday the platform compares last week's forecast to what actually hit the bank. The table here is an illustration: the same sample books rebuilt from a lower opening balance, which is roughly what a late customer payment looks like. In your portal the right-hand column is your real bank activity.
| Week | Week of | Forecast closing | Illustrative actual | Variance |
|---|---|---|---|---|
| 1 | 2026-10-12 | $243,030 | $206,530 | -$36,500 |
| 2 | 2026-10-19 | $256,180 | $219,680 | -$36,500 |
| 3 | 2026-10-26 | $233,790 | $197,290 | -$36,500 |
| 4 | 2026-11-02 | $281,490 | $244,990 | -$36,500 |
Illustration only: the right-hand column is the same sample books rebuilt with the opening balance $36,500 lower, the size of the second-largest open invoice. It is not bank data.
This is what arrives in your portal. The numbers above are sample data; yours come from your books.
The monthly pack
On the third business day of the month you receive a PDF with the grid and the note, with the month's variance under them, plus the workbook behind it. Both are below.
This is what arrives in your portal. The numbers above are sample data; yours come from your books.
The Diagnostic
A full read of the business from three years of QuickBooks exports, delivered as a deck and a PDF. Six of the exhibits are described here.
EBITDA bridge
Reported earnings walked to adjusted earnings one add-back at a time. Each add-back is named and sourced to a general-ledger account.
Liquidity waterfall
Cash on hand plus the undrawn line plus the working-capital release, stacked against the next twelve months of obligations.
Value-gap waterfall
What the company is worth today against what it would be worth at the margin and growth of its peer set, with the gap split into the pieces that cause it.
Customer concentration
Revenue share by customer and the top-five share, with the dependency a buyer or lender would price in.
Working-capital release
Days of receivables against the peer median, then the same for inventory and payables, each converted to the cash it would free at the median.
100-day plan
The initiatives in order, each with an owner and a date, plus the cash effect, so the quarter after the Diagnostic has a schedule.
This is what arrives in your portal. The numbers above are sample data; yours come from your books.
The toolkit
Behind the weekly note sit 27 analysis functions. Six of them are shown here, each listed by the question an owner asks.
Will we make payroll?
13-Week Cash Flow Forecast: The 13-week cash forecast
Weekly cash walk
| Wk | Week of | Inflows | Outflows | Net | Ending cash |
|---|---|---|---|---|---|
| 1 | 2026-07-06 | $12,968 | $8,434 | $4,533 | $29,533 |
| 2 | 2026-07-13 | $17,160 | $13,386 | $3,774 | $33,307 |
| 3 | 2026-07-20 | $17,715 | $8,785 | $8,930 | $42,237 |
| 4 | 2026-07-27 | $11,913 | $6,527 | $5,386 | $47,623 |
| 5 | 2026-08-03 | $12,382 | $8,986 | $3,396 | $51,019 |
| 6 | 2026-08-10 | $6,075 | $12,902 | -$6,827 | $44,192 |
| 7 | 2026-08-17 | $7,586 | $7,429 | $157 | $44,349 |
| 8 | 2026-08-24 | $10,131 | $8,770 | $1,361 | $45,710 |
Who do we call first?
AR Aging & Collections Priorities: Turn receivables into cash
Aging buckets
| Bucket | Open balance |
|---|---|
| Current | $79,258 |
| 1-30 | $135,424 |
| 31-60 | $173,441 |
| 61-90 | $141,229 |
| 90+ | $162,329 |
How long does the cash last at this pace?
Cash Burn & Runway: Know your runway to the week
Cash balance, last 12 months
| Month | Cash balance | Monthly change |
|---|---|---|
| 2025-07-28 | $370,738 | -$18,282 |
| 2025-08-28 | $350,204 | -$20,534 |
| 2025-09-28 | $334,510 | -$15,694 |
| 2025-10-28 | $315,870 | -$18,640 |
| 2025-11-28 | $301,846 | -$14,024 |
| 2025-12-28 | $271,974 | -$29,872 |
| 2026-01-28 | $252,711 | -$19,263 |
| 2026-02-28 | $233,312 | -$19,399 |
Is it getting healthier or sicker?
Monthly Financial Statement Package: A board-grade monthly package
P&L, last 6 months
| Month | Revenue | COGS | GM % | Opex | Net income |
|---|---|---|---|---|---|
| 2026-01-28 | $226,421 | $102,763 | 54.6% | $75,695 | $50,392 |
| 2026-02-28 | $237,198 | $113,780 | 52.0% | $83,546 | $42,006 |
| 2026-03-28 | $250,182 | $118,584 | 52.6% | $98,608 | $32,294 |
| 2026-04-28 | $254,960 | $124,656 | 51.1% | $97,266 | $32,456 |
| 2026-05-28 | $270,068 | $129,122 | 52.2% | $105,874 | $34,448 |
| 2026-06-28 | $278,304 | $124,902 | 55.1% | $100,540 | $54,833 |
How exposed are we to one customer?
Customer Concentration Analysis: See the risk hiding in your best customer
Top 10 customers
| Customer | Revenue | Share |
|---|---|---|
| Account 06 | $245,521 | 7.5% |
| Account 12 | $214,454 | 6.6% |
| Account 08 | $214,447 | 6.6% |
| Account 13 | $213,899 | 6.6% |
| Account 07 | $209,695 | 6.4% |
| Account 01 | $206,814 | 6.3% |
| Account 05 | $189,298 | 5.8% |
| Account 22 | $187,010 | 5.7% |
Which products quietly lose money?
Gross Margin by Product / Customer: Find the products quietly losing money
Highest margin contributors
| Item / customer | Revenue | Margin $ | Margin % |
|---|---|---|---|
| Line 04 | $148,544 | $78,761 | 53.0% |
| Line 14 | $121,786 | $51,642 | 42.4% |
| Line 12 | $75,589 | $41,478 | 54.9% |
| Line 06 | $129,820 | $39,314 | 30.3% |
| Line 08 | $111,129 | $37,483 | 33.7% |
| Line 05 | $137,732 | $20,704 | 15.0% |
| Line 10 | $118,645 | $19,518 | 16.4% |
| Line 16 | $40,813 | $17,183 | 42.1% |
This is what arrives in your portal. The numbers above are sample data; yours come from your books.
See it on your numbers
The free one-page cash read uses the same engines on your bank balances and open items.