Free Tool
How much cash will you float on the next big job?
The peak cash gap on a $1.9M commercial project for a $500K shop is roughly $300K. Most contractors find this out the week payroll bounces. Move the sliders below. See your gap before you sign the contract.
Peak cash gap
-$348K
around week 10 of 26
Right-sized LoC
$440K
peak gap + 25% buffer
LoC interest cost
$4K
at ~9% APR over project
Your project
Try negotiating these (watch the chart)
How to read this
The line shows your cumulative cash position on this project, week by week. It starts at $0. It dips below the line as payroll and materials go out, then recovers as GC payments arrive. The peak gap is the lowest point — that's how much cash you have to float somehow (LoC, savings, or another project funding this one). Toggle the levers above to see how negotiating different terms shrinks the gap before you ever need to borrow.
Want a real model on your specific project?
This calculator gives you a directional answer. We can build a week-by-week model on your actual contract — with your real labor mix, material spend, draw schedule, and supplier terms — and tell you the right LoC size and the levers that shrink the gap.
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