SAGUARO EQUITY
A permanent home for Arizona businesses
Cash Flow Intelligence
Three tools to help you see where your cash is today, where it's headed, and what it would take to grow. Plug in your numbers and see how you stack up against businesses like yours.
Your Numbers
$
Total top-line revenue over the last 12 months
$
Direct costs — labor, materials, subcontractors
$
What customers owe you right now
$
Parts, supplies, work-in-progress (enter 0 if pure service)
$
What you owe suppliers and vendors right now
Your cash conversion cycle measures how many days it takes to turn a dollar spent into a dollar collected. A lower number means your cash works harder for you.
Benchmarks are practical estimates informed by published working-capital research and our own experience with small and mid-size businesses in the $1–5M revenue range. They are meant as a directional gut-check, not a precise standard. For the most accurate comparison, ask your CPA for RMA Annual Statement Studies data for your specific NAICS code.
Your Numbers
Your revenue and cash-timing carry over from the Cash Conversion Cycle. Just add the few things below.
% / month
Your expected organic growth, month to month
$
Overhead not already in your cost of goods — rent, office/admin salaries, insurance, loan payments. Leave out direct labor, materials, and subcontractors; those are already counted in COGS.
$
Cash in the bank today
$
The amount you never want to drop below
See where your cash is headed over the next 12 months. Adjust assumptions and watch the forecast update in real time.
Your Growth Goal
Your current revenue and cash timing carry over from the earlier tabs. Just tell us where you want to go and what it takes.
$
Where do you want to be?
$
From savings or profit you've set aside
What the next stage takes
$
One-time spend to handle more volume (enter 0 if none)
people
Your best estimate to handle the extra work
$
Pay plus payroll taxes and benefits, per year
Up front needs more cash early; gradual spreads it out
Growth is good, but it is not free. New work often requires people, equipment, and cash up front, while customer payments come later. This shows what the next stage of growth may take and whether the business has enough cushion to support it.
Estimates use your own assumptions, which you can adjust on the left. The defaults reflect common patterns for service and trade businesses, but every business is different — treat this as a starting point for a real conversation, not a precise figure.