DISTRIBUTION GATE
Use the actual weekly cash series to find the lowest week and the maximum defensible distribution.
BUSINESS OWNERS
Know what the business can distribute without breaking.
Profit is not cash and business cash is not automatically owner cash. Run the 13-week distribution gate and the largest-customer failure test before money leaves the company.
THIS PAGE DOES THE WORK13-week distribution gate · concentration failure test
LIVE WORKBENCH
Enter the facts. Get the decision.
Your entries and latest result save on this device first and can sync only through an optional Cockpit account. Load the example if you want to see the engine work before using your numbers.
CAREER MONEY ENGINES
Choose the decision in front of you.
Each module uses different inputs and different math. Nothing here is a renamed checklist.
CUSTOMER FAILURE
Measure monthly burn, runway, and reserve gap if the largest customer disappears.
WHAT CAN BREAK THE RESULT
Do not let a missing fact quietly become zero.
Protected cash is not distributable
Payroll, collected taxes, debt service, and the operating-reserve floor remain obligations.
Receivables are not bank cash
Timing—not reported profit—determines whether payroll and taxes clear.
One customer can own the runway
Concentration turns a single cancellation into a household and payroll event.
USE THE RESULT NOW
Open the next tool only to test a named assumption.
VERIFY BEFORE COMMITTING
The model is only as good as the contract, portal, or statement behind it.
The cash model is a decision screen, not bookkeeping. Use current bank, payroll, tax, receivable, payable, and debt records; coordinate entity, owner-pay, tax, contract, and succession decisions with qualified professionals.