01
Reserve Policy
Define how much cash must remain untouched for payroll, tax, vendor obligations and downturn protection.
Review reserves →Business Capital Desk
Cash-flow clarity for companies that move fast.
A growing business can be profitable and still feel financially unstable. We help turn operating cash, taxes, debt, reserves and owner distributions into simple rules.
Core output
90-Day
Treasury rhythm, reserve policy and decision calendar.
Operating capital
Structure for messy months.
The work is separating true surplus from temporary cash, upcoming tax, vendor timing and the owner’s desire to take money out too early.
02
Debt Visibility
Map interest cost, repayment schedules, covenants and refinancing pressure before they quietly narrow your options.
Review debt →03
Owner Distribution Rules
Build a distribution framework that protects the company before rewarding the owner — without killing motivation.
Review distributions →01
Cash conversion map
How long revenue takes to become usable capital after costs, payment delays and tax reserves.
02
Pressure calendar
Payroll, rent, vendor terms, quarterly tax, loan payments and known investment windows.
03
Decision thresholds
When to hire, pause, borrow, distribute, prepay, renegotiate or hold cash.
Founder note
Profit is a headline. Timing is the machine room.
The business owner’s real financial life often lives in the gap between invoices sent, money received, taxes due and confidence to make the next move.
- Best forservice firms, agencies, operators
- Review cadencemonthly or quarterly
- Deliverablecash rules + action memo
“A business does not need prettier spreadsheets. It needs rules that survive a bad month.”Northline Business Capital Memo
Get the cash-flow picture out of your head.
Share the current situation and we will help identify the most useful review path.