Free express check · your own numbers · no sign-up
Express check: how long your cash lasts — and how late customers can pay
Eleven numbers, about 7 minutes. You get your cash runway against your reserve, how sensitive your cash is to customers paying later, and one action for today.
Free here
- Cash runway and the lowest point against your reserve
- Payment delays: how many extra days customers can take, and what Net 30 / 60 / 90 would do
- Your biggest cash dependency and one action for today
In the full X-Ray (paid)
- Your full day-by-day model: invoices, bills, pay dates, tax, stock and seasons
- The fix finder with verified repairs, and decision checks before you commit
- History, tracking of decisions and PDF reports
From $40 a month · cancel any time
Limits of the express check
It works from monthly averages and a few inputs: no individual invoices, bills or pay dates, no seasons and no stock. The result is a first indication, not the full model — and decision support, not financial advice.
Calculated in your browser by the same engine as the paid X-Ray.
Decision support, not financial, tax or legal advice. Results follow only from the numbers you enter and the assumptions stated for each calculation.
The flagship
Business Decision X-Ray
One profile. Nine critical tests. One exact action plan — what breaks first, on which date, by how much, and the smallest change that fixes it.
Financial Foundation
Cash, reserve, fixed costs, payroll, debt, tax set-aside, margin — and your real break-even.
Does the business earn enough to carry what it owes each month?
Cash Survival
How long the business lives, the most dangerous day, the lowest balance and the time you have to react.
When does cash first fall below the reserve?
Revenue Shock
How far sales can fall before the reserve breaks, and the lowest monthly sales that keep it.
How much of a sales drop can you absorb?
Cost Shock
How far costs can rise, which cost makes you most vulnerable, and which cut helps most.
Which cost could hurt you first?
Customer Dependency
Revenue share versus liquidity-risk share — and which customer really controls payroll.
Who can break your payroll?
Payment Delay
30-, 60- or 90-day terms, how many days of delay you survive, which invoices to chase first and the deposit that closes the gap.
How late can customers pay before it hurts?
Deal Safety
Whether to take the order, the real cost of waiting, and the lowest price, deposit and payment terms that keep your reserve.
Can you accept this deal as offered?
Decision Testing
A hire, equipment, ads, premises, new market, inventory, discount, loan or losing a customer — each with the largest size your reserve can carry.
What is the largest version of this decision your reserve can carry?
Action Plan
What breaks first, on which date, by how much, the smallest fix — Now / Next / Monitor — plus the PDF Business Survival Report.
What exactly do you do next?
Business decisions
One question each, answered from your own monthly numbers — cash first, not accounting profit.
