Part IV · Decision intelligence
Constraints, optimization & risk
Every recommendation states its objective, its constraints, what binds, what it trades away, and where the answer changes.
Deployable capital
$650,000
Solved in 13 steps
Binding constraints
1
Runway at or above 12 months
Revenue at risk
$791,640
Probability-weighted across 5 buckets
Available cash
$689,600
After restrictions, holds and the floor
Constraint solver
Objective: Maximize capital deployment. Cash on hand $4,210,000.
Deployment level
$650,000
Cash never below the liquidity floor
$3,560,000 vs ≥ $1,250,000
Slack available · $2,310,000 headroom
Runway at or above 12 months
12.03 vs ≥ 12
Binding — this is what limits the answer · 0.03 headroom
Debt service coverage at or above 1.25×
1.52 vs ≥ 1.25
Slack available · 0.27 headroom
Deployment within the approved capital budget
$650,000 vs ≤ $2,400,000
Slack available · $1,750,000 headroom
Portfolio risk score at or below 55
42.88 vs ≤ 55
Slack available · 12.13 headroom
Optimization objectives
Each objective states its direction, its lever and what it costs elsewhere
Expected cash flow over 12 months
maximize
Stage deployment across three tranches aligned to collection timing.
Financing cost
minimize
Refinance the Harbor Trust facility before the March step-up.
Working capital tied up
minimize
Cut DSO by 6 days on the two slowest-paying accounts.
Risk-adjusted return
maximize
Shift idle balances into a 30/60/90 ladder rather than a single instrument.
Idle capital
minimize
Sweep above-floor balances weekly with a payroll guard.