Utilities increased 18% compared with the prior three-month average.
+18%Driven mostly by the Ballard roastery. Worth confirming the new rate schedule took effect.
Northwind Coffee Roasters · August 2026
Good afternoon, Dana
Here's what needs your attention, how the business is doing, and what changed since you were last here.
Cash on hand
Money available today
$486,320
10.1%vs. prior period
Accounts receivable
Money customers owe you
$214,940
13.5%vs. prior period
Accounts payable
Money you owe vendors
$132,760
−16.0%vs. prior period
Revenue
What you earned this period
$742,180
7.7%vs. prior period
Expenses
What you spent this period
$561,430
3.9%vs. prior period
Net income
What you kept
$180,750
21.5%vs. prior period
Cash flow
Actuals through August, projection for September and October.
Projected low point
$381,000 · October
Preferred reserve
$400,000
Cash runway
7.4 months
Needs your attention
12 open items
4 bills waiting on your approval
Total $38,420 across Cascade Packaging, Meridian Freight and 2 others.
HighAug 27, 20267 invoices are past due
$44,180 outstanding. Oldest is 63 days past due (Lakeside Grocers).
CriticalAug 18, 2026126 transactions are unreconciled
First National Operating — July statement not yet finished.
HighAug 31, 2026Payroll for Aug 16–31 is due in 3 days
Estimated funding of $96,240 must be available by Aug 27.
CriticalAug 27, 2026Quarterly sales tax filing approaching
Washington State — $18,940 estimated, due September 20.
MediumSep 20, 20263 vendors are missing a W-9
Required before you can issue 1099s in January.
Medium
Varetiq Insights
Pattern observations based on your posted activity. Review before acting.
Preview
Three customers account for 61% of outstanding receivables.
61%Lakeside Grocers, Rivermouth Café, and Harbor & Co. A payment delay from any one of them would be felt quickly.
Five transactions appear similar and may be duplicates.
5 itemsSame vendor, same amount, within a 72-hour window. Review before the next payment run.
Cash is projected to fall below your preferred reserve next month.
−$19kBased on scheduled bills, payroll, and typical collection timing, October is projected at $381,000 against a $400,000 reserve.
Wholesale margin improved for the third month in a row.
+2.8 ptsGross margin moved from 31.4% to 34.2% since May, mostly from green coffee contract pricing.
These observations are generated from rules applied to your ledger. Automated analysis is not connected yet.
Business performance
Income, margin, aging, and budget.
Gross margin
34.2%
+2.8 pts since May
Net margin
24.4%
Prior period 21.6%
Recent activity
Everything that changed in your books.
Renee Alcott sent invoice INV-2418 to Lakeside Grocers ($12,480)
Today, 3:42 PM · Manual
Varetiq automation categorized 23 bank transactions in First National Operating
Today, 1:05 PM · Automation
Marcus Bell posted journal entry JE-0912 — August depreciation ($8,240)
Today, 11:20 AM · Manual
Dana Whitfield approved bill BILL-3391 — Meridian Freight ($9,860)
Yesterday, 5:14 PM · Manual
Security monitor flagged sign-in Unrecognized device in Boise, ID
Yesterday, 6:12 PM · Security
Priya Raman imported 142 timesheet rows for the Aug 16–31 payroll period
Aug 22, 9:38 AM · Import
Coming up
Dates worth planning around.
Payroll funding due
Aug 27, 2026
$96,240
Equipment loan payment
Sep 1, 2026
$4,820
Quarterly sales tax filing
Sep 20, 2026
$18,940
Security check
Account protection at a glance.
Multi-factor authentication
Enabled
Users without MFA
2 users
Unrecognized sign-in
Chrome on Windows, Boise ID — August 22. If this wasn't someone on your team, sign that device out.
Review devices