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Track 02 • Capital & Balance Sheet Discipline

Strategic TCO Analysis & Software Rationalization

We audit your software stack to prune unused licenses, right-size expensive subscription tiers, and build simple internal tools whenever off-the-shelf software or costly 'AI add-ons' fall short.

Fulcrum Tactics 3-Year TCO Scoper

Financial Scoping Engine • CapEx vs. OpEx Modeling • Payback Analysis

01

The Escalation Math

A $6,000/mo SaaS platform contract with a standard 10% annual escalator and 15% headcount expansion totals over $275,000 in cash outflow over 36 months — leaving you with zero equity when the contract ends.

02

Right-Size Tiers & Bridge the Gaps

Keep your core CRM or ERP for what it does best, downgrade overpriced enterprise seat tiers, and use lightweight custom automation to handle your unique workflow steps.

03

Full IP & Code Transfer

Every tool, microservice, and workflow we build for your organization is handed over with 100% intellectual property ownership, complete unit tests, runbooks, and zero ongoing vendor license royalties.

Fiduciary Financial Modeling

3-Year SaaS Tax vs. Ownership Calculator

Compare bloated per-seat escalation against the 3-Tier Pragmatic Stack: right-sized core SaaS systems of record plus an owned integration bridge — with honest, visible ongoing maintenance costs.

$5,500/mo
10.0%
Bloated Per-Seat Escalation (3-Yr)
$218,460
3-Tier Pragmatic Stack (3-Yr)
$190,584
Owned-Path Breakdown (Tier 2 + Tier 3, Model Assumptions)
Tier 1 — Right-sized core SaaS (40% seat/tier bloat eliminated, flat renewal term):$3,300/mo
Tier 2 — Owned Integration Bridge Build CapEx (one-time):$49,500
Tier 3 — Ongoing Maintenance/Hosting Stewardship (15% of CapEx per year):$619/mo
Estimated Capitalized Equity Saved (3-Yr):$27,876

Unlike rent-only comparisons, the owned path carries real ongoing stewardship costs — no unrealistic $0/mo maintenance assumption. Right-sizing share is a model assumption, not a promised figure; your actual scope is computed live in the TCO Advisor portal preview.

Fiduciary Cash Flow & Working Capital Architecture

90-Day Cash Runway & Stress-Test Simulator

Model how accounts payable payment terms, software OpEx rationalization, and unexpected revenue shocks impact your firm's cash depletion trajectory over the next 12 weeks.

Projected Runway
19.7 Mos
🟢 Resilient Capital Buffer
Day 90 Projected Balance
$551,000
-$33,000 / mo net burn
Stress Shock Capital Delta
-$99,000
90-Day Shock Exposure
90-DAY CASH EXHAUSTION CURVE (WEEKS 0 – 12)
Baseline Stressed FT Optimized
Day 0 (Now) Day 30 Day 60 Day 90 $1.0M $500k $0
$650,000
Current bank deposits & money market balances
$305,000/mo
Gross payroll, vendor OpEx, and SaaS licenses
$320,000/mo
Accounts receivable cash collections
-15% Shock
Simulate customer churn, delay, or macro slowdown
8%
Adjustable blended share of monthly OpEx removed by the staffing-efficiency, process-automation, and vendor-negotiation levers. User-configurable model assumption — not a measured engine output.

Shifts AP vendor disbursements from Net-30 to Net-45/60, eliminates duplicate payment leakage at the exact dollar amounts the AP engine detects, and converts redundant SaaS seat tiers into capitalized organization equity. Preservation is computed live from your inputs below — the rationalization share is a user-configurable model assumption, never a promised fixed percentage.

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Working Capital & Liquidity Advisory
🟢 Low Liquidity Risk: Adequate Runway Buffer

Your liquid cash position provides substantial cushion against a 15% revenue contraction (19.7 Mos). FT working capital optimization converts $73,200 of OpEx burn into balance sheet equity.

90-Day FT Equity Preservation +$73,200

Own Your Systems. Own Your Future.

Schedule a 30-minute executive briefing with our Systems Architects. We will review your current tool stack, audit your licensing contracts, and deliver an empirical build-vs-buy report.

Request a 3-Year TCO & Stack Rationalization Audit