ATLAS / DECISION TOOLS
Contract and payroll cash-gap planner.
Model weekly project costs, progress claims, payment delays and retention to see how much cash is tied up before a contract pays.
Can you cover delivery costs before each progress payment?
Compare payroll and other weekly outgoings with the date cash is expected, not just the date a claim is raised. Test a payment delay and keep retention separate from the main receipt. The resulting gap helps explain the funding need; it does not establish that a particular facility is available.
Explore construction business fundingHow this model works.
Weekly costs leave on the project start date and every seven days for the entered duration. Enter all relevant payroll, supplier and project cash costs.
Gross claims become receipts after the entered lag, less retention. Retention is released on the entered date; actual contract entitlements and payment terms are not assessed.
Same-day cash movements are grouped. Events after the forecast end are disclosed separately, and the model does not assume refinancing or collection success.
Questions about this tool
Does a profitable contract always fund itself?
No. Costs can fall due before the customer pays. This model shows that timing gap under the entered assumptions.
Is retention guaranteed to be paid on the date entered?
No. It is a scenario assumption. Check contract conditions, defects periods and the counterparty’s actual payment obligations.
Model methodology describes Atlas’s illustrative calculation, not any provider’s underwriting rules. Check the actual proposal and obtain advice appropriate to your circumstances.