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Financial Intelligence Center

Last updated · Today 10:15 AM

Financial Health

+3 pts
94 / 100
Excellent Stability

Revenue outperforms forecast while opex trends below budget.

Industry Benchmark

76 · you're +18 above

Feb · Mar · Apr · May · Jun · Jul

+5

96

Forecast Accuracy

96.4% of plan · all units

+2

96

Profitability

Net Profit $8.6M

+1

92

Liquidity

Current Ratio 2.34x

+3

90

Operating Efficiency

+9.2% profit margin

0

88

Credit Standing

Rated AA− · stable outlook

−4

78

Burn Efficiency

14.2 mo runway remaining

AI Financial Advisor

Generated Today 10:15 AM · Confidence 94%

Revenue continues to outperform forecasts while operational costs remain below budget. Cash reserves are expected to increase 14% next quarter, driven by strong enterprise contract renewals and disciplined vendor spend.

  • Reduce software licensing costs — 12 unused seats identified across Nimbus Cloud & Datastream.
  • Increase investment allocation to money market instruments given current rate environment.
  • Refinancing opportunity detected on term loan — potential $84K annual savings.

Budget Optimization

+$186K

Expense Alerts

3 flagged

Cash Reserve Prediction

$21.1M next quarter (+14%)

Cash Flow Intelligence

Rolling 12-mo

Operating, investing & financing cash flow, monthly

Operating Investing Financing
Q1
$1.22M
Q2
$1.37M
Q3
$1.42M
Q4
$1.56M

Operating CF

$9.8M

Investing CF

−$3.2M

Financing CF

−$1.1M

Net Cash Flow

+$5.5M

Cash Burn & Runway

62% of forecast

Rolling average burn

14.2 mo

runway remaining

Now 24 mo

Monthly Burn

$1.30M

Depletion Date

Sep 2027

  • 3-mo avg burn$1.24M
  • Burn trendImproving

Runway extends to 16.8 mo if planned vendor renegotiations land in Q3.

Financial Forecast Center

Forecast accuracy 96.4%

Revenue, expense & profit projection — best / expected / worst case

Q1

$32.5M

Expected

+4.6% -6.2%
Q2

$34.5M

Expected

+6.4% -8.7%
Q3

$37.5M

Expected

+8.0% -10.7%
Q4

$41.0M

Expected

+7.8% -10.2%

Percentages show swing from Expected to Best (green) and Worst (red) case.

Best Case $44.2M
Expected Case $41.0M
Worst Case $36.8M

Investment Portfolio

YTD +11.8%

Portfolio Value

$24.6M

Today's Gain

+$142K

YTD Return

+11.8%

Stocks

38%

Bonds

24%

Real Estate

18%

Mutual Funds

13%

Crypto

7%

Best Performer

Stocks +16.2%

Risk Rating

Moderate

Rebalance Due

Sep 2026

Treasury Dashboard

Liquidity, debt & capital structure

Available Capital

$18.5M

Total Debt

$12.2M

Credit Lines

$8.0M avail.

Interest Expense

$412K / qtr

Debt-to-EBITDA2.8x of 3.0x cap

Consolidated Cash Position

$18,462,940

4.8% vs last week Across 6 entities · 11 accounts

Runway

14.2 months

Burn Rate

$1.30M / mo

Liquidity Ratio

2.34x

14-Day Cash Trajectory

Jul 8Jul 12Jul 16Jul 20

Operating

$11.28M

Reserve

$5.10M

Restricted

$2.08M

Income Flow

Revenue streams into consolidated cash

12.4%

$4,394,000total inflow

  • Product Subscriptions 49.7% of total inflow $2,184,600
  • Enterprise Contracts 32.0% of total inflow $1,406,900
  • Professional Services 13.4% of total inflow $588,200
  • Interest & Investments 4.9% of total inflow $214,300

Expense Flow

Cash outflows by function

6.1%

$3,077,950total outflow

  • Payroll & Benefits 59.9% of total outflow $1,842,400
  • Vendor & Supplier 23.2% of total outflow $712,850
  • Infrastructure & SaaS 10.4% of total outflow $318,600
  • Marketing & Travel 6.6% of total outflow $204,100

Budget Forecast

Projected year-end position at current pace

$1.94M under budget

Spent to date$7.66M of $9.6M

Remaining Budget

$1.94M

Months Left

5.4 mo

Recent Payments

View all
  • Northwind RetailJul 21, 9:14 AM +$62,100
  • Payroll Batch #0729Jul 20, 6:00 PM −$612,400
  • Solace Media (partial)Jul 20, 2:37 PM +$9,200
  • Nimbus Cloud InvoiceJul 19, 11:02 AM −$38,940

Expense Categories

Tagged spend, current quarter

Payroll · $5.52M SaaS · $954K Travel · $312K Facilities · $486K Legal · $198K Consulting · $274K Insurance · $121K Marketing · $612K Office Supplies · $64K R&D Equipment · $340K

Scenario Modeling

12-mo runway stress test

Projected cash runway under downside / base / upside assumptions

Now+6 mo+12 mo

Downside

8.1 mo

Demand -18%

Base Case

14.2 mo

Current pace

Upside

19.6 mo

Demand +15%

Model confidence High · 87%

Top Vendor Exposure

Manage vendors
Vendor Terms Open Balance Status
Meridian Logistics Net 30 $84,200 Awaiting Approval
Nimbus Cloud Net 15 $38,940 Scheduled
Beacon Office Leasing Net 10 $48,000 Due Tomorrow
Pinnacle Legal Group Net 30 $9,450 On Track
Summit Retail Group Net 15 $14,780 Due in 3 days

Approvals Queue

$401,170 total awaiting sign-off

7 pending
Type Description Requested By Amount Actions
Wire Meridian Logistics A. Ferreira A. Ferreira $84,200
Capex Server Refresh D. Osei D. Okafor $212,000
Vendor Nimbus Cloud S. Wong S. Whitfield $38,940
Reimbursement Travel M. Lange M. Larsen $4,280
Payroll Off-Cycle — APAC R. Tan R. Tanaka $61,750
View All 7 Requests