Weekly Financial Health Report

📊 Executive Dashboard

📊 Executive Summary

Overall Financial Health Score: 84/100

Strong financial position with 18.5% revenue growth and improving cash flow. Direct trade sourcing (26% margin) and strong brand reputation (4.8★, 180 reviews) create solid expansion foundation.

🎯 Your Goal: Expansion - Geographic/product expansion

Progress: 42.5%

📊 How Financial Performance Drives Your Goal:

Wholesale account growth (8→10 accounts) → $22K additional monthly revenue
Online subscription launch → 10% revenue stream ($4-5K monthly recurring)
Direct trade relationships → 26% margin vs 18% for standard sourcing (+$12K monthly)
4.8★ Google rating → Strong brand foundation for multi-location expansion

Goal Velocity: 3.5% per month (toward 3-location goal by 2027)

Financial Alignment: strong

Your financial position supports expansion goals. 18.5% revenue growth and strong seasonal performance (summer/fall) create solid foundation for Louisville, CO location launch.

Focus Areas for Your Goal:

B2B wholesale accounts - Current: 8, Target: 15 by Q2 2025
Working capital for expansion - Current: $85K, Need: $175K for second location
Brand consistency - Develop standardized operations for multi-location success

Timeline: Q4 2025 target for Louisville location requires 6-9 months preparation and $175K capital

⚠️ Cash Flow Concerns - Active Monitoring

Seasonal cash flow pattern detected: Strong Q3-Q4 (tourist season), slower Q1 (winter). Plan expansion capital during peak months.

Action: Build $50K expansion reserve from Q3-Q4 profits. Secure $125K term loan before Q1 2025 to fund Louisville location.

💰 Key Financial Metrics

Cash Conversion Cycle

28 days

Excellent

Free Cash Flow

$18,200

Positive

Working Capital

$85,000

Stable

Revenue (Current Period)

$85,000

58.5% Margin

🔄 Cash Conversion Cycle Breakdown

Days Sales Outstanding

Days Inventory Outstanding

Days Payable Outstanding

Analysis: Fast cash conversion (28 days) supports expansion goals. Retail sales = immediate cash, wholesale = 15-day terms.

Priority Focus: Maintain low DSO as B2B wholesale grows. Target: keep <15 days with corporate accounts.

💵 Free Cash Flow Analysis

Operating Cash Flow: $32,400
Capital Expenditures: $14,200
Free Cash Flow: $18,200

FCF Margin: 21.4%
Sustainability: Improving +12.5% monthly
Growth Capacity: Can support Louisville location with term loan partnership

🎯 Weekly Action Items

Louisville Location Capital

Action: Build $50K reserve + secure $125K term loan

Expected Impact: $175K total for Q4 2025 opening

Timeline: Next 6 months

🧠 Strategic Insights

Build $50K expansion reserve during Q3-Q4 peak season

Grow wholesale accounts from 8 to 15 to stabilize revenue

Launch subscription service to create 10% recurring revenue stream

View Full Financial Health Dashboard

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Data Sources: Plaid, Quickbooks, Fusion_intelligence
Report Generated: November 8, 2025 at 4:34 AM MST
Processing Time: 1.23s
Next Report: November 15, 2025