Vorco / OptiBuild

Cash Flow Intelligence Engine

Get month-wise cash needed, lender-ready bridge planning, and downside stress schedules.

Project Basics

Enter core inputs only.

Saleable area (sq ft) Sale price / sq ft Construction cost / sq ft Land cost Starting cash Sales start month Sales speed

Advanced

Optional settings for financing and risk.

Finance and Timing

Project months Debt available Debt annual interest % Debt linked to construction % Disbursement lag (months) Interest moratorium (months) Repayment mode Delay months Collection lag (months) Collection efficiency % Collection default % Sales collection mode Manual monthly sales inflows Reserve enforcement Apply failure mechanics when funding stress appears Sales slowdown % Cost escalation % Sales speed multiplier (slow) Sales speed multiplier (normal) Sales speed multiplier (fast)

Operating Costs

Monthly soft costs Monthly statutory costs Statutory escalation % Transaction fee on inflow % Transaction fee on debt draw %

More settings

Land upfront % Land balance month Approval cost Approval month Equity top-up amount Equity top-up month

Results

Click Analyze Project to see monthly cash need and next steps.

Quick summary

Enter inputs to calculate.

You will get a month-by-month funding view and tested actions to reduce the gap.

Go / no-go

Runway

First month with gap

Total gap

No-support risk view

Failure risk without bridge cash

These values always show unsupported cash risk, even when support mode is set to with bridge.

Awaiting analysis

Failure starts NA

Peak unsupported deficit NA

Months below zero cash NA

End cash (no support) NA

Commitment layer

Committed vs due vs paid

Tracks obligations, due cash, and what was actually paid under reserve constraints.

Total committed NA

Total due NA

Total paid NA

Carry-forward unpaid NA

Month	Committed	Due	Paid	Unpaid carry	Stress level
Click Analyze Project to load commitment tracking.

Probabilistic risk

Monte Carlo failure bands

Runs randomized downside sets to estimate failure probability and funding bands.

Failure probability NA

P50 bridge gap NA

P90 bridge gap NA

Simulation runs NA

Band	Funding gap	Failure month	Reserve breaches
Click Analyze Project to run probabilistic risk bands.

Trust layer

Run identity and audit trace

Shows run ID, changed assumptions from last run, and trace events for investor review.

Run ID NA

Assumption diff NA

Audit events NA

Model confidence NA

Month	Stress	Unpaid carry	Debt outstanding	Trace note
Click Analyze Project to generate trace events.

Run analysis to see recommended next direction.

Driver	Downside impact	Upside impact	Net sensitivity
Click Analyze Project to generate sensitivity drivers.

Top sensitivity driver will be shown here after analysis.

Cash needed each month

Month-by-month funding

Choose support mode to compare real failure risk vs supported funding plan.

Support means external funding added each month to keep cash from going negative.

Total bridge needed NA

Months needing bridge NA

Peak monthly bridge NA

First bridge month NA

Month	Money needed	Total needed till month	Base inflow	Bridge inflow	Total inflow (selected mode)	Total outflow	Closing cash (before bridge)
Click Analyze Project to see month-by-month funding details.

Funding focus

Months with gap only

This view keeps only the months with a cash gap so planning is faster.

Months with gap NA

Total need NA

Gap period NA

Month	Bridge needed	Cumulative bridge	Base inflow	Bridge inflow	Total inflow (selected mode)	Outflow	Net cash flow (selected mode)
Click Analyze Project to list only the months that need funding.

Stress scenarios

Downside funding (P50 / P90)

P50 is a medium downside case. P90 is a heavy downside case.

P50 total bridge NA

P90 total bridge NA

Month	Base bridge	P50 bridge	P90 bridge	P50 cumulative	P90 cumulative
Click Analyze Project to view P50 and P90 monthly funding schedules.

Model health

Model checks

Quick checks for debt limit, reserve pressure, and return quality.

Estimated return (IRR) NA

Loan-to-cost NA

Months below reserve NA

Ending debt NA

Click Analyze Project to run model checks.

Click Analyze Project to validate model checks.

Main reason

Why this cash gap happens

Simple split of the main reasons for the cash gap.

Enter inputs to see the breakdown.

Actions

What to do next

Each action is tested and ranked by expected impact.

Enter inputs to compare fixes.

The engine will test equity, delay, and booking changes once the project is ready.

[ Investor Summary ]

Investment Memorandum Snapshot

Runway -

First negative month -

Funding gap -

Maximum deficit -

Recovery month -

Ending cash -

Total inflow -

Total outflow -

Total interest cost -

Ending debt -

Debt dependency -

Average monthly sales -

Decision health score -

Peak debt -

Top actions

Equity injection

Click Analyze Project.

Timeline adjustment

Click Analyze Project.

Sales improvement

Click Analyze Project.

Risk alerts

No analysis yet.

Cash flow summary

No analysis yet.

Charts

Explore cash flow with charts

Hover a point to see exact values. Use filters to focus on shorter periods.

Inflow vs outflow vs balance

Inflow Outflow Balance (+) Balance (-)

Bridge needed vs cumulative bridge

Monthly bridge Cumulative bridge

Cumulative inflow vs outflow

Cumulative inflow Cumulative outflow

Debt outstanding vs construction progress

Debt outstanding Construction spend intensity

Monthly cash table (filtered range)

Month	Inflow	Outflow	Balance