Finance
Margin, cash, inventory and lender reporting built directly from your general ledger — not re-keyed into a spreadsheet each month.
Illustrative. A margin move decomposed into what actually caused it — so you know whether to talk to a supplier or a salesperson.
Margin
Gross margin by customer, SKU, category and supplier — then true margin after freight and the working capital each one consumes. Customers who look profitable and aren’t. Items selling below replacement cost.
And when margin moves, a bridge decomposes it into price, cost, mix and volume, so you know whether to talk to a supplier or a salesperson.
Cash and the bank
Built from how your customers actually pay, measured from their history rather than their stated terms, with a confidence range on the near weeks.
From EBITDA through working capital and capital spend to free cash flow, and then to what is actually left after the bank is paid.
Test a large order, a change in terms or a factored receivable against the forecast, and see which week it strains before you agree to it.
The lender package
Borrowing base computed from live receivables, payables and inventory. Covenant ratios tracked continuously against your limits, with headroom, rather than discovered at quarter end. The certificate and its supporting schedules generated as one filing package.
Twenty minutes is usually enough to know whether this is worth going further. We’ll look at your ERP with you — and if the data isn’t ready, we’ll tell you that rather than sell around it.