Current Balance (BOA)
$163,737
As of June 10, 2026
MTD Collected
$210,878
$208,683 HubSpot + $2,195 Bill.com
MTD Projected
$394,323
$183,445 remaining to collect
FMP Pipeline
$20,517
$8,018 collected / $28,535 target
Net Profit (Monthly)
$23,645
Before personal draws
Business Debt Total
$495,400
~$17,050/mo service cost
Rolling 60-Day Cash Flow
Daily ending balance from BOA business account. Red bars indicate danger zone (below $10K).
Healthy (>$25K)
Caution ($10K-$25K)
Danger (<$10K)
Cash Crunch Risk Windows
Based on 5-month pattern analysis. Balance typically drops to near-zero after mid-month payroll wire.
| Window | Trigger | Risk Level | Historical Low | Recovery |
|---|---|---|---|---|
| Days 13-17 | FR#1 Payroll Wire (~$150K) | Critical | $218 (Jan 29) | HubSpot batch ~20th-22nd |
| Days 27-1 | FR#2 Wire (~$120K) + CC payments | High | $802 (Feb 13) | 1st-of-month HubSpot batch |
| Days 3-5 | RD Amex ($15K) + personal drafts | Moderate | $6,444 (Apr 30) | Early-month recurring collections |
June 2026 Collections
Collection Rate
53.5%
Remaining to Collect
$183,445
| Source | Collected | Projected | Remaining | Status |
|---|---|---|---|---|
| HubSpot - Legacy Recurring | $189,890 | $341,571 | $151,681 | On track |
| HubSpot - Current Year | $7,895 | $13,324 | $5,429 | On track |
| HubSpot - FMP | $8,018 | $8,018 | $0 | Closed |
| Bill.com | $2,195 | $31,410 | $29,215 | Pending |
| Other (VAB, misc) | $2,880 | $2,880 | $0 | Received |
| TOTAL | $210,878 | $394,323 | $183,445 |
Pending Collections
| Client | Amount | Source | Expected | Notes |
|---|---|---|---|---|
| 1800 Got Junk | TBD | HubSpot | June 15 | Confirmed paying June 15 |
| Dickson Commercial | $2,405 | Check | Deposited | Check deposited, clearing |
| Uncollected Prior Month (HS) | $15,122 | HubSpot | Rolling | Carryover from May |
| Uncollected Prior Month (BC) | $8,006 | Bill.com | Rolling | Carryover from May |
FMP Pipeline - June 2026
Target
$28,535
13 open requests
Collected
$8,018
3 closed/won
Outstanding
$20,517
10 remaining
Conversion Rate
62.9%
Historical average
| Metric | Value |
|---|---|
| Base VA Rate | $2,195/mo |
| Next Month Pipeline | $24,145 |
| Next Month Handovers | 11 |
| Avg Revenue per FMP Close | $2,673 |
30-Day Expense Timeline
Bar width = relative expense size. Hover for details.
Monthly Expense Calendar
Recurring drafts and payments by day of month. Red = $10K+
1
Mortgage $12,514
HELOC $1,750
Other Svc $1,000
Guardian Terms $475
3
OA QB Loan Sm $643
4
RD Amex Loan $1,734
NW Whole Life $2,500
NW Term+Disab $847
Other Svc $2,350
5
RD Amex Pmt $10,000
529 Plans $1,000
10-11
RD LOC $1,000
RD Epic Adv (Q) $553
Amfam+Everlake $157
12
PAYROLL #1 $140,000
OA LOC Int $6,000
Finlogic (OA+RD) $1,000
RD Tuition $6,315
14-15
RD Truck $1,287
RD Payroll+Tax $566
Guardian WL $2,145
17
RD 401K $1,831
21-22
Target $600
Nordstrom $2,700
23
OA Cash Rew $20,000
RD Cash Rew $12,000
27
PAYROLL #2 $125,000
HMO/13th Esc Manual
28-29
OA QB Loan Lg $3,672
PNC Cindy Auto $1,750
Chase Amazon $2,500
Monthly Total Estimated Outflows: ~$380,000 (Payroll $265K + OA Ops $48K + RD/Personal $67K)
Monthly P&L (Steady State)
REVENUE
Recurring Revenue$397,000
Net MRR Growth+$20,000
Merchant Fees-$9,007
Total Revenue$407,993
OA EXPENSES
OPEX Services$120,000
OPEX Staff$145,000
COGS VA Growth$10,000
HMO Escrow$23,000
13th Month Escrow$15,000
Total OA Expenses$313,000
OA Gross Profit$94,993
BELOW THE LINE
Credit Cards (all)$43,000
Monthly Drafts$12,300
Debt Service$16,048
Total Below Line$71,348
Net Profit Before Tax$23,645
PERSONAL DRAWS
BOA Personal Drafts$27,500
Personal CCs$20,300
Total Personal$47,800
Burn from Personal-$24,155
Business Debt Summary
Business loans and credit lines only. Personal bridge sources tracked separately.
| Debt | Balance | Monthly Payment | Type |
|---|---|---|---|
| BOA LOC (termed out, 5-yr payoff) | $350,000 | ~$7,000 | Term Loan |
| OA QB Loan Small | - | $643 | Installment |
| OA QB Loan Large | - | $3,672 | Installment |
| RD Amex Loan | $13,400 | $1,735 | Installment |
| Total Business Loans | $363,400+ | ~$13,050 |
Business Credit Cards
| Card | Balance | Min Payment | APR |
|---|---|---|---|
| BOA OA Cash Rewards (5348) | $45,000 | $1,000 | 25% |
| BOA RD Cash Rewards (4380) | $45,000 | $1,000 | 25% |
| RD Amex CC (10008) | $25,000 | $1,000 | - |
| RD LOC | $17,000 | $1,000 | - |
| Total Business CC/LOC | $132,000 | $4,000 |
Total Business Debt
Loans + CC balances
$495,400+
~$17,050/mo service
Personal Bridge Capital (Separate Dashboard)
Brad's personal capital sources used to fund business during cash challenges. Will be tracked in a dedicated personal financial dashboard.
CNB HELOC (home equity)
Raymond James equity loan
NWM Whole Life loan
Guardian Whole Life loan
CC Payment Schedule
| Card | Due | Statement | Payment | Auto? |
|---|---|---|---|---|
| RD Amex (10008) | 5th | - | $15,000 | No |
| OA Travel (3953) | 10th | $6 | $6 | No |
| RD LOC | 11th | - | $331 | No |
| OA Cash (5348) | 23rd | $40,029 | $20,000 | - |
| RD Cash (4380) | 23rd | $36,897 | $20,000 | Yes |
5-Month BOA Account Trends (Jan-May 2026)
| Month | Begin Bal | Deposits | Withdrawals | End Bal | Lowest Point |
|---|---|---|---|---|---|
| January | $17,381 | $524,354 | $533,378 | $8,177 | $218 |
| February | $8,177 | $416,808 | $416,891 | $7,974 | $802 |
| March | $7,974 | $429,957 | $412,401 | $25,410 | ~$7,974 |
| April | $25,410 | $412,489 | $431,335 | $6,444 | ~$6,444 |
| May | $6,444 | $460,377 | $456,303 | $10,398 | ~$7,154 |
| Average | $13,077 | $448,797 | $450,062 | $11,681 | $3,118 |
Key Insights
Avg Monthly Throughput
$449K
Avg Net Monthly Change
-$1,265
Revenue Collection (3 HubSpot batches)
~3rd-6th, ~11th-13th, ~20th-22nd
Danger Zone Pattern
Days 13-17 (post FR#1, pre-3rd batch)
Monthly Ending Balance Trend
Jan
$8.2K
$8.2K
Feb
$8.0K
$8.0K
Mar
$25.4K
$25.4K
Apr
$6.4K
$6.4K
May
$10.4K
$10.4K
Funds Request Tracker - June 2026
Wire cycle: BOA to Airwallex to BPI (PHP). FX Rate: PHP 58.20
FR #1 -- Batch 1 (Payroll) WIRED TODAY
$121,000
Wired June 10 to Airwallex to BPI
Payroll must process by June 15 (Mon).
PH holidays: June 12 (Independence Day), June 15 (CDO Charter Day).
Queenie recommended sending by June 11 before 3 PM US.
PH holidays: June 12 (Independence Day), June 15 (CDO Charter Day).
Queenie recommended sending by June 11 before 3 PM US.
FR #1 -- Batch 2 (Employer Share + Local)
TBD
Target: June 15 (Monday)
May employer share, gov contributions, local costs.
Less time-sensitive than payroll batch.
Brad confirmed sending Monday.
Less time-sensitive than payroll batch.
Brad confirmed sending Monday.
FR #2 -- End of Month
~$120,000
Expected: June 23-27
Second payroll cycle + operational expenses.
May FR#2 was $120,494 + $4,565 (lease/utilities).
5-month avg: $117,742
May FR#2 was $120,494 + $4,565 (lease/utilities).
5-month avg: $117,742
Historical Wire Patterns (BOA Statements)
| Month | FR#1 Amount | Date | FR#2 Amount | Date |
|---|---|---|---|---|
| January | $159,900 | Jan 14 | $115,000 | Jan 28 |
| February | $135,000 | Feb 11 | $120,460 | Feb 25 |
| March | $137,000 | Mar 11 | $110,850 | Mar 27 |
| April | $156,300 | Apr 13 | $122,000 | Apr 29 |
| May | $154,500 | May 13 | $120,400 | May 27 |
| Average | $148,540 | $117,742 |
Entity Flow
Revenue (clients pay OA via HubSpot/Bill.com/checks/wires)
|
OutsourceAccess Corp (BOA main account)
|--- OA Philippines (BPI via Airwallex wire) - payroll + ops
|--- OA Credit Cards (BOA OA Cash 5348, OA Travel 3953)
|--- OA Loans (QB Small $643, QB Large $3,672)
|--- River Dream Enterprises (CHK 6736)
| |--- RD Credit Cards (BOA RD Cash 4380, RD Travel 6754, RD Amex 10008)
| |--- RD Loans (Amex Loan $1,734, RD LOC $1,000)
| |--- Brad Personal (salary, expenses)
| |--- Stevens Family Mgmt (tuition $6,315)
| '--- Paychex payroll (Brad + Cindy)
'--- OA Operating Expenses (Finlogic, insurance, commissions)
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