The Float Calculator

You Are Financing
Your GC's Business.

Every day your invoice sits unpaid, you are lending your general contractor working capital — at zero interest, on their terms.

Find out exactly how much slow pay is costing you in interest, lost margin, and tied-up cash — in under 60 seconds.

Built by union trades operators
with 30+ years in commercial interiors
Deployed on a live $7M+ flooring
and multi-trade platform
NYC metro. Union and non-union.
Real job sites. Real receivables.
88 avg days
to collect
$2.9M peak working capital
exposure (typical $8M sub)
32% APR Billd charges
for early payment
8% what your line
of credit costs
$
$500K$25M
days
15 days150 days
%
4%20%
%
5%35%
// Your float exposure — updated live
$1.21M
Capital tied up
in receivables
$96,900
Annual interest
cost of float
$807K
Revenue needed
just to offset delay
$8,075
Monthly cost
of waiting
$265
Cost per day
of unpaid invoice
—
Margin points
lost to float
Cash recovered if DSO drops by —
−15 days
$16,500
Interest saved / yr
−30 days
$32,900
Interest saved / yr
−45 days
$49,400
Interest saved / yr
✓ On its way. Check your inbox for your float exposure report — and see the founding pilot offer below.
What we're selling right now
$500 Cash Diagnostic
What Your Bookkeeper
Cannot Tell You About
Your Cash Flow.

Your bookkeeper tells you what came in and what went out. Nobody is telling you where cash is getting trapped, what it is costing, or where recovery is possible. We show you all three — in three contractor-specific reports built from your actual numbers. Delivered in 48 hours. No call required.

Report 1 — Float Exposure Report
Where is cash getting trapped? How much working capital is locked up by your current payment timing — and what it is costing you on your line of credit every month.
Report 2 — Margin Erosion Report
How much is slow pay really costing? The profit being eaten by delay, interest, retainage drag, and financing burden — expressed as margin points and real dollars against your revenue.
Report 3 — Cash Recovery Action Report
What specific levers would free cash fastest? Three to five moves ranked by speed of impact — not theory, not accounting. Actions a specialty sub can take in the next 90 days.
$500
One-time. 48-hr delivery.
✓ Applied as credit to monthly plan
Submit your numbers.
We build the report.
No call required.
Free — always
$0
 
Float Calculator
  • Live float exposure calculation
  • Interest cost and margin loss
  • Recovery at 15/30/45 day improvement
  • Float exposure report by email
Founding Member — 10 seats
$300
/ month — rate locked for life
Cash Recovery Dashboard
  • Float Calculator (live)
  • Retainage Recovery Calculator (live)
  • Labor Variance Calculator (live)
  • Materials Savings Calculator (live)
  • Monthly cash recovery benchmark report
  • Direct line for questions and support
The Capital Engine — what's inside
Live
Float Calculator
DSO compression and working capital interest savings. Shows annual cost of slow pay in real dollars.
Live
Retainage Recovery Calculator
Models Day 30 vs Day 240 retainage release. Quantifies interest saved per project per year.
Live
Labor Variance Calculator
Prevents 5% labor overrun on high-labor trades. Bid win rate improvement modeled and documented.
Live
Materials Savings Calculator
10–20% improvement on platform spend via manufacturer-direct sourcing. Applied to your annual materials spend.
Coming — founding members first
Conformance Release Tracker
Balance payment acceleration. 42-day faster release on 75–80% of each work package.
Coming — founding members first
StoreBridge SOV Converter
Converts pre-DSO fabrication drain into billable SOV line items. Reduces peak crunch on millwork jobs.