Free tool · for contractors & subcontractors
See the cash flow gap hiding in your business.
You pay for labor and materials now, bill at month-end, and wait 60–90 days to get paid while retainage sits unreleased. That gap is why profitable contractors run short on cash. Find yours below.
30-second estimate · no sign-up · your numbers stay in your browser
Start here
A 30-second estimate.
Drag five sliders and watch your working-capital gap appear. Nothing to look up, nothing to sign.
Your numbers
Rough estimates are fine — drag the sliders.
Your working-capital gap
$364,788
That's how much cash your business has to float at its low point (around month 2) to fund work you've done but haven't been paid for. Profitable on paper — starved for cash in the bank.
Where your cash goes underwater
Cumulative cash position over 12 months
Three ways we close the gap
We become your lender
We act as your lender of record — sizing an A/R line to your trough and funding it through our capital partners, while we lead the relationship start to finish.
SBA 7(a) refinance
Term out short, expensive debt into a long-amortization loan and free up monthly cash.
Manage the cycle
Tighten billing cadence, retainage release, and draw schedules to shrink the gap at the source.
These are estimates. See your real curve.
Send us a few months of A/R, A/P, and job costs and we'll build this from your actual books — then walk you through exactly where to act.
Email me the full breakdown
Make it real
Turn your own numbers into a bank-ready report.
Download a template, fill in a few months, and upload it back. You get a clean cash flow report — with your logo — to hand a banker or lender. Everything happens in your browser; nothing is uploaded to us.
Filled it in? Drag your file here, or
Your numbers stay in your browser — nothing is uploaded to us.
Why this happens
The faster you grow, the deeper the hole.
Every new job front-loads cost before the last one pays out. Take on more work and the gap widens — which is why so many profitable contractors feel broke.
As your fractional CFO and controller, we size the gap, fund it, and tighten the cycle so growth funds itself — as your lender of record, through an SBA 7(a) refinance, or simply by taking control of your billing and collections.
Stop letting cash flow run your business.
We serve as fractional CFO and controllers to construction companies and subcontractors — and we'll help you close the gap you just found.