F.H. Black & Company · Chartered Professional Accountants
What’s your cash gap?
The number of days your business runs between money going out and money coming in. It’s the reason profitable businesses miss payroll. Takes 60 seconds.
From the day you invoice to the day cash lands. Be honest, use the real average, not your payment terms.
Materials on the shelf, jobs in progress. Selling services with no lag? Enter 0.
The average days you actually take to pay your own bills.
Everything that leaves the account in a normal month: payroll, rent, suppliers, loan payments.
Biweekly payroll hides a trap most owners find out about the hard way.
Used only to size the extra pay run months.
0
day cash gap
Cash you’re floating to cover the gap$0
Extra cash needed in a three‑pay‑run month$0
What this means
The three-pay-run months. On biweekly payroll there are 26 pay runs a year but only 12 months, so twice a year a month lands with three pay runs instead of two. That third run is the one nobody sets money aside for. Your next step is knowing exactly which two months those are this year.
See the next 13 weeks before they happen
The fix for a cash gap is boring and it works: a 13-week rolling cash flow forecast, the same tool we build with clients. Plug in your numbers and it shows you the tight weeks while there is still time to do something about them. Free, no strings.
We send the template and nothing else unless you ask. No drip campaign, no spam.