The remaining 30% is treated as direct pay residential and retail.
LEDGER Trapped cash right now
$487,500
Money sitting in adjuster queues, mortgage holds, supplement reviews, and retainage at any given moment.
INSIGHT Margin you cannot see
$180,000
At 6 percent estimate to actual variance, this is the gross profit slipping on active jobs that live job costing would catch.
FORECAST Runway risk score
HIGH
Insurance heavy mix with low direct pay creates lumpy cash. A 90 day forecast would surface crunches before payroll hits.
Recoverable with platform, annualized, conservative
$170,625
Platform cost: $14,400/yr
•
Illustrative return: 11.8x
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