CFO Overview
What your ERP cannot tell you — in under 60 seconds.
DSCR is 0.07× above covenant floor
At current burn rate, covenant breach risk in 6 weeks. Recommend reviewing discretionary capex and accelerating Q3 AR collections before next lender review.
Signal Summary
Cash Position (Week 13)
$6.97M
→ -$420K vs last week
13-week rolling AP/AR net. Updated weekly.
DSCR vs Covenant Floor
1.18×
↓ Floor: 1.25×
Breach risk in 6 weeks at current burn.
Revenue Forecast P50 (Q3)
$4.2M
↑ +3.1% vs prior Q
XGBoost P50. P10: $3.8M | P90: $4.7M
60-Day Customer Default Risk
3 accounts
↓ $1.1M at risk
XGBoost on DSO trend + concentration.
Gross Margin (Trailing 3M)
34.2%
→ -1.8pp vs prior Q
Compression driven by SKU-Group B.
Macro Cycle Phase
Mid-Cycle
→ BoC @ 2.25%
Yield spread + CPI + policy rate.
Liquidity & Covenant Health
Cash Position — 13 Weeks
Rolling AP/AR net · $M CAD
DSCR Trend vs Covenant Floor
Debt Service Coverage Ratio · floor = 1.25×
Revenue & Margin Intelligence
Revenue — Actual vs Forecast
Monthly $M CAD · Sep onward = XGBoost P50
Margin Compression vs Input Cost Pressure
Gross margin % (left) · IPPI YoY % (right)
Forecasts use XGBoost trained on 8 quarters of ERP transactional data combined with BoC rate trajectory and StatCan CPI/IPPI. All models run in-browser via ONNX Runtime Web — no data leaves your device.