Finance

Cash, profit and what's coming · September
NI
Nina · Capital & Banking

You're fine this month. $268,580 is safe to spend. One tight week: Oct 19, when the Black Friday inventory order lands and cash dips to about $38K. I have the credit line ready to cover it.

See the line of credit
Where you stand

Cash today

$334,900

Chase ending + payouts in transit

Safe to spend

$268,580

After bills due in 14 days & tax set aside

Net profit (MTD)

$58,259

12.1% margin

September, so far

Cash in vs out

+$80,900

Positive

Net, last 4 weeks · September

Bills coming up
Nina pays each on its due date
  • Payroll
    Biweekly run · Due Sep 30
    $28,500
  • Meta ads
    Oct spend commitment · Due Oct 3
    $12,400
  • ShipFast invoice
    Fulfillment — biweekly · Due Oct 19
    $34,200
  • Supplier PO — Guangzhou factory
    Deposit on the $390K Black Friday inventory order · Due Oct 19
    $52,000
  • Northbank loan payment
    Principal + interest · Due Oct 19
    $10,190
Money on its way to you
Payouts in transit
  • Shopify
    Lands Sep 28
    +$18,240
  • Amazon
    Lands Oct 3 · $12,400 reserve held
    +$31,600
  • PayPal
    Lands Sep 29
    +$6,180
  • Stripe
    Lands Sep 30
    +$9,940
Cash flow
Money in vs. money out — last 8 weeks
In Out
Forecast
13-week cash forecast
Projected checking balance
Profit & loss
Where did my money go? · September, so far
Revenue
$482,350100.0%
Refunds
2.8% refund rate
-$13,506-2.8%
Processing fees
3.12% effective
-$15,049-3.1%
COGS
~38% of revenue
-$183,293-38.0%
Fulfillment
Incl. $5,394 over contract · Leo is claiming it back · see the claim
-$95,288-19.8%
Marketing
-$43,412-9.0%
Payroll
-$72,353-15.0%
Loan interest
Northbank Capital · 11.9% APR
-$1,190-0.2%
Net profit (MTD)
$58,25912.1%
Debt & credit
Northbank loan vs. the Harbor line
Current
Northbank Capital
$120,00011.9% APR
Inventory loan
Offer
Harbor Capital
$85,000line of credit
Draw only what you need

Moving $85,000 of the Northbank loan onto the Harbor line instead saves about $2,890 a year in interest.

Assumes the Harbor line prices at 8.5% — the real rate is set when Nina applies.Compare
Sales tax set aside
Top 6 states· $25,420 held back
TXFiles Oct 20$8,240
CAFiles Oct 31$6,890
NYFiles Oct 20$4,120
FLFiles Oct 20$3,050
WAFiles Oct 25$1,780
GAFiles Oct 20$1,340
Ninaidle