The Build: "Why am I profitable but have no cash?"
Overview
Being profitable isn't the same as having cash in the bank. When a client posts their best quarter yet — $142K in profit — then looks up to find cash has actually fallen $38K over the same three months, the two numbers seem to contradict each other. But the explanation is simpler than it looks: $96K sitting in unpaid invoices, an unbudgeted $39K equipment purchase, and a $45K loan repayment. The hard part isn't the accounting — it's answering the question every client asks, without losing them in working capital and financing activities: where did my cash go?
In this live 30-minute Build, you'll see how a cash waterfall turns that question into a two-minute visual answer, how the cash flow statement and KPIs like debtor days pinpoint exactly where the cash went, and how Commentary Writer reframes the whole thing as a client-ready narrative you can save as a template and reuse every quarter.
This session is hands-on. Follow along in your own Fathom account, or just watch the waterfall and the client-ready summary come together in real time. Your clients numbers, your screen, 30 minutes.
In this webinar you'll learn
How to build a cash waterfall that shows a client exactly where their cash went, in a single visual- How to use the cash flow statement and KPIs like debtor days and cash runway to separate a timing issue from a genuine cash problem
- How to lead with a plain-English narrative instead of walking a client through the cash flow statement line by line
- How to turn the whole analysis into a client-ready summary with Commentary Writer, and save it as a template you reuse every quarter
Oscar is an Account Manager at Fathom, with 8+ years of experience helping businesses find the right SaaS solutions to meet their goals.
He works closely with SMBs, mid-market, and accountant teams to build strong partnerships, solve challenges, and ensure customers get real value from the tools they use—all while keeping things simple in fast-moving environments.
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The Build: "Why am I profitable but have no cash?"
Being profitable isn't the same as having cash in the bank. When a client posts their best quarter yet — $142K in profit — then looks up to find cash has actually fallen $38K over the same three months, the two numbers seem to contradict each other. But the explanation is simpler than it looks: $96K sitting in unpaid invoices, an unbudgeted $39K equipment purchase, and a $45K loan repayment. The hard part isn't the accounting — it's answering the question every client asks, without losing them in working capital and financing activities: where did my cash go?
In this live 30-minute Build, you'll see how a cash waterfall turns that question into a two-minute visual answer, how the cash flow statement and KPIs like debtor days pinpoint exactly where the cash went, and how Commentary Writer reframes the whole thing as a client-ready narrative you can save as a template and reuse every quarter.
This session is hands-on. Follow along in your own Fathom account, or just watch the waterfall and the client-ready summary come together in real time. Your clients numbers, your screen, 30 minutes.
- How to build a cash waterfall that shows a client exactly where their cash went, in a single visual
- How to use the cash flow statement and KPIs like debtor days and cash runway to separate a timing issue from a genuine cash problem
- How to lead with a plain-English narrative instead of walking a client through the cash flow statement line by line
- How to turn the whole analysis into a client-ready summary with Commentary Writer, and save it as a template you reuse every quarter
Oscar is an Account Manager at Fathom, with 8+ years of experience helping businesses find the right SaaS solutions to meet their goals.
He works closely with SMBs, mid-market, and accountant teams to build strong partnerships, solve challenges, and ensure customers get real value from the tools they use—all while keeping things simple in fast-moving environments.
