Corbelworks · Cash-Flow Tool
Know your real quick ratio and how many days of overhead your cash and receivables actually cover. See what happens when payments slow — before it becomes a payroll crisis.
Based on weighted receivables and current monthly burn.
What if your largest receivable ($8,500) is delayed by 30 days?
The quick ratio (acid-test ratio) measures your ability to meet short-term obligations from liquid assets alone, without relying on inventory or equipment.
Quick Ratio = (Cash + Receivables < 90 days) / Payables Due Now
Receivables over 90 days are excluded because they are unlikely to convert to cash in time to cover current payables. A ratio above 1.0 means you can cover what you owe; above 1.5 means you have a cushion.
Not all receivables are equally likely to convert to cash. We weight by aging bucket:
These weights reflect typical construction-industry collection rates: invoices past 60 days have a sharply lower recovery probability, and beyond 90 days collection is often a write-off.
Days of Runway = (Cash + Weighted Receivables) / (Monthly Overhead / 30)
This tells you how many days you can keep the lights on if no new revenue comes in.
We model the impact of your largest receivable being delayed by 30 days. The cash-flow gap is the difference in runway (with vs. without that receivable) multiplied by your daily burn rate:
Gap = (Runway_with − Runway_without) × (Monthly Overhead / 30)
Sources: Standard liquidity ratio definitions (quick ratio = (cash + marketable securities + receivables) / current liabilities; see Investopedia, corporate finance textbooks). Weighted receivables approach adapted from construction-industry accounts-receivable aging analysis.
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