float-thinking

What problem does it solve?

This Skill helps you evaluate whether a business’s upfront cash receipts create a real financing advantage, or whether the apparent funding benefit is actually expensive leverage in disguise.

Core Features & Use Cases

• Float Analysis: Distinguishes money held but not owned from ordinary borrowed capital.
• Cost Comparison: Evaluates whether the effective cost of float is negative, acceptable, or too expensive.
• Business Model Screening: Applies to insurance, SaaS annual prepayments, retainers, and negative working capital models.
• Risk Boundary Check: Flags long-tail liabilities, cost creep, and scale limits that can make float unsafe or non-replicable.

Quick Start

Ask the Skill to assess a business model’s float, estimate its effective funding cost, and compare it with conventional leverage while highlighting the key risks.