A sale and usable cash are different events. Between them sit authorisation, settlement, holdbacks, payout schedules and bank processing. Designing these on purpose is the difference between a company that feels liquid and one that surprises itself.
The assessment draws that date for each stream of money: when the customer pays, when the processor settles, when funds reach an account you control, and when they can be moved out. The gaps may not be visible in accounting until they matter.
Account opening is a separate service; this assessment designs the set-up and does not open accounts or promise any provider decision.
Platform and processor streams: Set by schedules and rules of the provider; Direct bank transfers: Set by the payer and the banking rails
Platform and processor streams: Possible, for risk or refunds; Direct bank transfers: Rare
Platform and processor streams: High if the rules are stable, low if they change; Direct bank transfers: Depends on payer behaviour
Platform and processor streams: Choice of payout schedule and number of payout accounts; Direct bank transfers: Invoicing terms and payment methods offered
High-return businesses need more buffer behind the settlement.
A design that works in a flat year may strain in a peak.
Extra legs add delay and cost.
Each source of money, by size and share.
For each stream, the path from authorisation of a payment to cash you can spend, with the stages the provider controls marked.
When payroll, suppliers and obligations fall due.
Periods in which obligations come before usable money.
Options that could close each gap, such as a changed payout schedule, a placed reserve or an alternative route, each with what it would need from you.
This is business and structuring analysis, not legal, tax or investment advice. Where a legal or tax opinion is needed, we say so and point you to a licensed adviser.
We cannot change a provider's rules. We design around them and identify where options exist.
No. Financing is outside scope.
The assessment covers timing of money movement, not a financial forecast.
No obligation. We read your request and reply with a straight answer.
Describe your plan and your constraints. We reply with what we would look at first.
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