Profit does not mean cash, and cash does not mean you can take it. Our distribution planning tests a distribution against your cash, your tax reserve, and your loan covenants before you make it.
You keep the accounting software you use today. The platform works from its standard reports.
We start with cash on hand and set aside your minimum operating cash.
Estimated taxes coming due are reserved next.
The distribution is also tested against your loan covenants. The safe amount is the lowest result.
Pay yourself without breaking your loan.
A distribution that trips a covenant can turn a good year into a conversation with your bank’s special assets group.
A sample page from a client package. The company and figures are fictional.
A distribution of up to $448,400 keeps minimum cash, the January estimated tax, and the next 30 days of loan and equipment payments fully covered. The loan covenants allow far more, so cash is the limit.
Tax figures are planning estimates. Your tax preparer files your returns.
Comparisons describe the standard features of widely used small-business accounting software, as published by their makers in October 2026. Those products change often; we review this page every quarter.
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