13-Week Cash Forecast Dashboard

LOC-first treasury model. JR&CO runs operating cash near $0 and pays operating expenses off the line-of-credit (target_cash_balance = $0 as of 2026-05-21). Every positive net-cash week pays down the LOC; every negative week draws on it. The number that matters is LOC headroom — how much of the facility is still undrawn — not a blended “liquidity” figure. The cards, chart and table below are framed around headroom, with the open AP aging and open AR position shown alongside as the working-capital drivers. Paydown pacing is configurable in the LOC Paydown Model panel below the weekly table.

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Current LOC Headroom

Undrawn facility available today

Tightest Projected Headroom

Lowest undrawn capacity in the horizon

Peak LOC Utilization

Worst week of LOC stress in horizon

LOC Paydown Week

First week LOC reaches $0 (if applicable)

Ending LOC Position

Drawn balance + utilization at horizon end

The Six Questions

The questions this forecast exists to answer, with the model's current answers. The default view is the conservative v3 slow case (collections at 75% of demonstrated pace); ranges show the likely case alongside.

Weekly Bridge

Inflows and outflows by week, with the drawn LOC balance overlaid and coverage confidence bands. Solid segments are known flows (real invoices and booked vouchers); gray segments are projected (S-curve billings, scheduled cost, recurring overhead). Two scales: bars are weekly flows (left axis); lines are running balances (right axis) — $0 is the same line for both. The LOC line has a dot at each week's start and close. Headroom is in the tiles above and the table below.

Coverage focus

Weekly Forecast Table

13-week cash and LOC bridge from the additive forecast review layer. Click any week — here or on the chart above — to see the AR In / AP Out mix behind it.

Week	AR In	AR Conf.	Other In	AP Job Out	AP Overhead Out	Payroll Out	Other Out	Net Cash	LOC Draw	LOC Paydown	LOC Balance Used	LOC Headroom	LOC Util %

Cash Waterfall Model v2

100% of collections sweep against the LOC. Overhead and all labor — ours and subs' — pay first, always. Non-labor job cost pays second, old before new, only while the LOC stays under its draw ceiling; the rest defers into next week's queue.

Collections swept, 13 wks –

Must-pay tier (OH + labor) –

Job cost funded –

Peak deferred job cost –

Working Capital Trend Actual

Work entering the books vs cash actually moving. When billed/vouchered runs above collected/paid, AR and AP balloons inflate — and the LOC (charcoal line) carries the wedge.

Scheduled Flows

Next 13 weeks: what the schedule says should move each week, stacked by source. Real open invoices are the firmest layer; S-curve and PM-projected layers are scheduled work not yet invoiced.

Open AR Today

All open customer invoices on the books

Open AP Today

All open vendor vouchers on the books

AR Growth, Last 13 Wks

Billed minus collected — balloon added

AP Growth, Last 13 Wks

Vouchered minus paid — balloon added

Scheduled AR by source

Scheduled outflows by type

What-If Levers

Reshape AR, AP, payroll and pipeline timing to test the forecast's assumptions. Preview-only — nothing persists.

Neutral

The official model is backtest-calibrated as of 2026-07-23: PM billing realism 50%, PM labor realism 0% (the trailing payroll average already matches actuals), whole-invoice AR landing (each open invoice lands at full amount in its expected-pay week, per Lucas 7/27), and LOC pacing at 50% sweep with a $1.7M weekly cap. Current values are in the Assumption Snapshot panel below. The levers here explore deviations from that calibrated baseline.

AR collection speed 0 days

Shifts open-invoice collections. Positive = slower (customers pay later).

AP payment stretch 0 days

Delays vendor + overhead payments beyond current terms.

Revenue / billing 0%

Scales all AR collections on top of the calibrated baseline.

OpEx reduction 0%

Cuts overhead AP only. Job costs are untouched.

Payroll change 0%

Scales payroll. Baseline is the trailing average ($542K/wk), which matches actuals.

Pipeline start shift 0 days

Slides projected job billings, job AP and PM payroll together (later starts).

Levers are what-if only — they do not change the saved forecast.

LOC Paydown Model

Configure how aggressively the forecast assumes excess cash pays down the LOC. Changes preview instantly; Save & Apply updates the official forecast.

Historical guardrails (GL 2202.00, 123 weeks of actuals): median net paydown week ≈ $0.6M, 90th percentile ≈ $1.7M, best single week ever ≈ $3.3M, best rolling 13 weeks ≈ $7.0M of net deleveraging. A perfect sweep (100% efficiency, no cap) retires the entire LOC in week 1 and has under-projected the LOC balance by $4–5M at mid-horizon in snapshot backtests. The calibrated defaults (50% sweep, $1.7M weekly cap) are the official saved model as of 2026-07-23.

Sweep efficiency (%)

Share of weekly excess cash applied to the LOC. 100 = perfect sweep (legacy). Historical behavior ≈ 50.

Max weekly paydown ($)

Hard weekly cap in dollars. 0 = uncapped. Historical p90 ≈ $1.7M, best ever ≈ $3.3M.

Target cash balance ($)

Cash cushion held back before sweeping. $0 = pure LOC-first (CFO 2026-05-21). Open decision: $100K–$250K cushion.

LOC borrowing cap ($)

Committed facility size. $10M confirmed by CFO 2026-05-21.

Starting LOC balance

Live reads the mapped LOC GL accounts. Use Manual if the GL seed is under review (e.g. year-open journal question).

Manual starting balance ($)

Only used when Starting LOC balance is set to Manual override.

Monthly Revenue — Earned vs Billed Cost-driven

Cost is the driver of revenue: earned is the WIP number the cost activity supports, billed is what invoicing actually did. A negative gap means work happened that has not been billed (or accrued). Billed and cost are month-dated facts for THAT month (not cumulative); earned is the job's billed-to-date allocated by each month's cost share, so prior months restate slightly as new billings post, and underbilled jobs show conservative earned. Earned/cost actuals appear when a month closes; billed shows month-to-date. Click a month to see the jobs behind it. Projected billings here are the month's scheduled invoicing, not margin. Projected-vs-actual grading accrues from 8/26 forward via daily projection snapshots.

Month	Earned (actual)	Billed (actual)	Billed - Earned	Cost (actual)	Projected billings	Projected cost	Collected

Job Ledger

AR in vs AP + labor out per job across the 13-week window — the job-by-job view behind the weekly mix.

"Open Inv AR" is real invoices already issued for the job; "Scheduled AR" is S-curve projected billing not yet invoiced. AP Out combines booked vouchers (allocated across the jobs each voucher charges) and scheduled job cost; Labor Out is scheduled job labor. Net = AR in − all job cash out. Click a job code for its full document ledger (every invoice and voucher).

AP Aging & AR Position

The working-capital drivers behind the LOC: what we owe vendors by age, and what customers owe us.

Open AP Total

AP Past Due

Open AR Total

AR Expected to Collect

Net Working Capital Gap

Open AP by aging bucket what we owe today, by how late

Open AR by aging bucket what we're owed today vs what the model expects

AP Aging aged from due date — click a bucket for the vouchers behind it

Bucket	Vouchers	Open	Stretched

"Stretched" = payments deliberately held past terms. These are the dollars the AP stretch lever moves.

AR Aging aged against each customer's expected pay date — click a bucket for the invoices behind it

Bucket	Invoices	Open	Forecast Expected

"Forecast Expected" applies the collection policies from the AR Collections page — haircuts and exclusions for retention, disputes and 100+ balances. The gap between Open and Expected is the nuance: not every open dollar is collectible cash.

Reconciliation

Finance-side checks to review with the controller.

GL status

Reading these tiles under LOC-first. Operating Cash hovering near $0 (or slightly negative due to in-transit items) is the expected steady state, not a problem. The LOC Balance tile is the working-capital instrument — LOC drawn / loc_borrowing_cap is the real liquidity stress metric.

AR Aging Balance

Forecast AR Balance

AR Gap

Open AP Balance

AP Cash Out FYTD

Payroll Cash Out FYTD

Operating Cash

LOC Balance

Matched Cash Accounts

Matched LOC Accounts

Account Group	Label	GL Account	Account Name	Balance

Assumption Snapshot

Current base-scenario settings to review with the controller.

Setting	Value

Historical QA

Diagnostic. Compare the selected saved forecast snapshot to actual weekly cash movement.

No captured snapshots

Week	Projected Net	Actual Net	Variance	Projected AP Out	Actual AP Out	Projected Payroll Out	Actual Payroll Out

Driver Detail

Diagnostic. Drill-down detail from the forecast driver view for the active horizon.

Week	Driver	Amount	Customer	Vendor	Job	Reference	Source	Description

The Six Questions

Weekly Bridge

Weekly Forecast Table

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By Job what each job brings in vs what it pays out this week

AR In who is expected to pay us this week

AP + Payroll Out who we expect to pay this week

Cash Waterfall Model v2

Working Capital Trend Actual

Scheduled Flows

Scheduled AR by source

Scheduled outflows by type

What-If Levers

LOC Paydown Model

Monthly Revenue — Earned vs Billed Cost-driven

Job Ledger

AP Aging & AR Position

Open AP by aging bucket what we owe today, by how late

Open AR by aging bucket what we're owed today vs what the model expects

AP Aging aged from due date — click a bucket for the vouchers behind it

AR Aging aged against each customer's expected pay date — click a bucket for the invoices behind it

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Reconciliation

Assumption Snapshot

Historical QA

Driver Detail

▾ The Six Questions

Weekly Bridge

Weekly Forecast Table

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By Job what each job brings in vs what it pays out this week

AR In who is expected to pay us this week

AP + Payroll Out who we expect to pay this week

▾ Cash Waterfall Model v2

▾ Working Capital Trend Actual

▾ Scheduled Flows

Scheduled AR by source

Scheduled outflows by type

▾ What-If Levers

▾ LOC Paydown Model

▾ Monthly Revenue — Earned vs Billed Cost-driven

▾ Job Ledger

▾ AP Aging & AR Position

Open AP by aging bucket what we owe today, by how late

Open AR by aging bucket what we're owed today vs what the model expects

AP Aging aged from due date — click a bucket for the vouchers behind it

AR Aging aged against each customer's expected pay date — click a bucket for the invoices behind it

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▾ Reconciliation

▾ Assumption Snapshot

▾ Historical QA

▾ Driver Detail

The Six Questions

Cash Waterfall Model v2

Working Capital Trend Actual

Scheduled Flows

What-If Levers

LOC Paydown Model

Monthly Revenue — Earned vs Billed Cost-driven

Job Ledger

AP Aging & AR Position

Reconciliation

Assumption Snapshot

Historical QA

Driver Detail