MMeridian Build Finance
Next 7 weeks · Aug 14 – Sep 30, 2026

Cash Calendar & Collision Alerts

Every dated obligation and expected receipt on one timeline, so pressure weeks show up before they hurt.

1 collision detected
Projected Cash Friday
After payroll and the pay run
Scheduled Money In
$689K
Draws, closings, proceeds
Scheduled Money Out
$1.36M
Payroll, vendors, debt, taxes
Projected Low Point
$295K
Sep 25 — below the $500K reserve

Collision Alert

Week of Sept. 18 – Sept. 24

Three separate projects require $482,000 of builder cash inside the same seven days. Cash bottoms at $404,000, below the $500K reserve floor.

  • 78 Magnolia Court
    Equity contribution required before first draw
    $210,000
  • 124 Oak Street
    Draw #4 costs floated while funding slips 3 days
    $158,000
  • 3812 Lake Terrace
    Site work paid ahead of first draw
    $114,000
Suggested responses
  1. 1Advance 124 Oak Draw #4 submission by 4 days (clears 2 PM reviews).
  2. 2Draw $250K on the operating line of credit for 3 weeks (est. cost $1,940).
  3. 3Shift the owner distribution from Sept. 25 to Oct. 10.
  4. 4Split the Sept. 22 vendor run into two releases across the reserve floor.

Applying options 1 and 3 restores the reserve floor without touching the line of credit.

August 2026

9 dated cash events

Fri
14
PayrollConfirmedPayroll
Bi-weekly field + office
$138,000
bal $1.04M
Fri
14
Vendor pay runLikelyVendor pay run
12 payments queued
$187,400
bal $855K
Mon
17
Draw funding — 19 Chestnut Row #10LikelyConstruction draw
Gulf Coast Bank
$24,000
bal $879K
Wed
19
Home closing — 19 Chestnut RowConfirmedHome closing
Net proceeds after payoff
$96,000
bal $975K
Fri
21
Draw funding — 2201 Cypress Bend #9LikelyConstruction draw
Delta First Bank
$41,000
bal $1.02M
Tue
25
Debt service — Hancock term noteConfirmedDebt service
Principal + interest
$46,400
bal $969K
Tue
25
Draw funding — 931 Pine Hollow #7LikelyConstruction draw
Hancock Whitney
$132,000
bal $1.10M
Fri
28
PayrollConfirmedPayroll
Bi-weekly field + office
$138,000
bal $963K
Mon
31
Insurance — builder's risk renewalConfirmedInsurance
Annual premium
$62,000
bal $901K

September 2026

8 dated cash events

Thu
3
Draw funding — 124 Oak #4ForecastConstruction draw
Gulf Coast Bank — at risk
$184,000
bal $1.09M
Tue
8
Land purchase — Chinquapin lot 12LikelyLand purchase
Closing deposit
$145,000
bal $940K
Fri
11
Loan closing — 78 Magnolia CourtLikelyLoan closing
Magnolia State Bank
$0
bal $940K
Tue
15
Quarterly estimated taxesConfirmedTaxes
Federal + state
$88,000
bal $852K
Mon
21
Equity contribution — 78 Magnolia CourtConfirmedEquity / land
Required before first draw
$210,000
bal $642K
Tue
22
Vendor pay runForecastVendor pay run
Three overlapping draw cycles
$272,000
bal $370K · below reserve
Fri
25
Owner distributionLikelyOwner distribution
Quarterly
$75,000
bal $295K · below reserve
Wed
30
Home closing — 2201 Cypress BendLikelyHome closing
Net proceeds after payoff
$212,000
bal $507K

Highlighted rows leave the running balance below the $500K minimum reserve.