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A small-business owner considering his next project in a woodworking shop

Practical tools. Real-world insights.

Clear cash math
for growing
businesses

Understand the cash behind your next move.

Free tools that show how much cash your business needs, when it needs it, and whether outside capital could help. No pitch. No pressure.

Take the 2-Minute Cash Reality Check Or pick your situation below

Free. About 2 minutes. No application. No credit check.

What’s on your mind?

Pick the one that sounds most like this month. Each tool takes a few minutes and gives you a real number.

Profitable, but the bank account says otherwise

Find out where the profit went.

Profit vs. Cash Gap FinderComing soon

We just won a big job

Estimate the cash needed for payroll, materials, and subs before the first payment arrives.

Our costs keep climbing

See the price increase that protects your margin.

Cost Squeeze CalculatorComing soon

One customer pays us slowly

See what happens if your biggest customer pays 60 days late.

Biggest Customer Stress TestComing soon

We pay everyone before ourselves

Check whether the business can pay you consistently.

Owner Pay TestComing soon

Busy season is coming

Map your cash low point before the season starts.

Seasonal Cash CurveComing soon

When you’re ready

Already know you want to explore funding?

Some owners arrive with the decision made. If that is you, you can start a short application with our partner. If you are not sure yet, the tools above will help you decide whether it makes sense.

See Funding Options

Brinkley Funding is an independent marketing partner, not a lender. We may be compensated if you apply through our link. Applying does not guarantee approval or any specific terms.

Three simple steps

  1. 1

    Answer a few simple questions.

    Rough numbers are fine. No documents needed.

  2. 2

    See your number.

    Get a clear result, such as your cash runway in days, with plain-language context.

  3. 3

    Decide your next step.

    Use the result to adjust, plan, or explore whether capital could help. The decision is always yours.

Why cash timing matters

27 days

The median small business holds about this much cash. Employers hold closer to 18.

J.P. Morgan Chase Institute

59%

of small businesses report invoices overdue by 30 days or more.

QuickBooks 2026 Late Payments Report

56%

Covering operating expenses was the most common reason firms sought financing.

Federal Reserve Small Business Credit Survey, 2025

People first. Numbers always.

Our approach

We are not here to convince anyone to borrow.

We help business owners understand whether capital can help them make the move they are already trying to make. Sometimes the answer is yes. Sometimes the answer is to adjust payment terms, pricing, or timing. Either way, the numbers come first.

More about our approach
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Ideas for a stronger tomorrow.

Cash Mechanics

Plain-language ideas for running a business with more cash confidence.

A workshop owner reviewing business paperwork at his workbench

Why a profitable business can still run out of cash

Profit on paper does not always mean cash in the bank. Here is what causes the gap and what to do about it.

Article preview · Coming soon
A notebook and calculator on a wooden desk for cash planning

How much cash should a business keep on hand?

There is no single right number. Here is a practical way to think about your cash cushion.

Article preview · Coming soon
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Finance it or pay cash? How to think about equipment

A clear framework for deciding when to finance, when to pay cash, and what to watch for in the fine print.

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