Only you can decide or need to know · ranked by dollars at stake
Five items need you today; the largest is covenant headroom at the December test if one order slips.
01DECIDE TODAYFINANCE DESK
Covenant headroom falls to at the December test if the Ridgeline order slips a month.
The leverage limit is 3.0x and the forecast shows 2.6x today. The order carries $0.86M of EBITDA; moving it to January puts the December test at 2.9x. The lender wants the compliance certificate by the 15th.
| Source | Read | Value |
|---|---|---|
| ERP · forecast v14 · EBITDA TTM | 05:42 | $8.31M |
| Treasury · net debt | 05:40 | $21.6M |
| CRM · opp #4471 Ridgeline · close date | 05:44 | Dec 18 (rep note: "may slip") |
| Forecast v14 · Ridgeline EBITDA contribution | 05:42 | $0.86M |
| Credit agreement §7.1 · max leverage | (doc) | 3.00x |
DRAFT READY Note to the lender relationship manager asking for an early read on an amendment. Not sent.
02APPROVECOMMERCIAL DESK
Deal desk: a 3-year renewal at list needs your sign-off. The pricing policy allows 12%.
Customer is the #3 account by revenue. The sales lead argues the competitor quote justifies it. Margin on the renewal falls from 41% to 33%.
| Source | Read | Value |
|---|---|---|
| Deal desk · request DD-2291 · net price | 05:51 | $412K / yr |
| Price list 2026 · same SKUs | (doc) | $502K / yr |
| Pricing policy §3 · max discount without CFO | (doc) | 12% |
DRAFT READY Approve-at-14% reply to the sales lead. Not sent.
03KNOWFINANCE DESK
Revenue assurance found earned but not billed in October: a price escalator that never got applied.
Contract allows a 4% uplift on Jan 1; billing has run at the old rate for 10 months on 3 accounts. Correction invoices are drafted for AR to review.
| Account | Contract rate | Billed rate | Gap |
|---|---|---|---|
| Harbor Medical | $1.04 / unit | $1.00 | $94K |
| Alder Foods | $2.08 / unit | $2.00 | $61K |
| Kestrel Labs | $0.52 / unit | $0.50 | $31K |
DRAFT READY 3 correction invoices + cover notes in the AR queue. Not sent.
04KNOWOPERATIONS DESK
Freight spend is running quote on two lanes since a carrier changed its fuel surcharge.
The surcharge change wasn't in the rate card we signed. 31 invoices are affected; the AP team has them on hold.
| Source | Read | Value |
|---|---|---|
| AP · invoices on hold · carrier C-118 | 05:47 | 31 · $48.2K |
| Rate card (signed Mar) · fuel surcharge | (doc) | 14% |
| Invoices · fuel surcharge applied | 05:47 | 36% |
DRAFT READY Dispute letter citing the rate card. Not sent.
05PREPPEOPLE DESK
Your 2pm with the CEO: the 2027 hiring plan is above the budget envelope.
Two departments submitted plans after the budget lock. One-page comparison with options attached.
| Source | Read | Value |
|---|---|---|
| Plan · 2027 budget · approved heads | 05:38 | 412 |
| HR · requisition plans submitted | 05:38 | 421 |
DRAFT READY One-page pre-read for the 2pm. Not sent.
Overnight run
1,284 signals became 5 items after review and challenge.
Signals read by 8 desks1,284
Raised as candidate items37
Survived the reviewer (figures tie to source)29
Survived the challenger11
Need the CFO specifically5
Items raised by desk
Eight desks ran; finance and commercial raised the most.
Finance9
Strategy3
Commercial7
Operations6
Quality & safety2
Legal4
People3
Data & platform3
Ground rules
It drafts and flags. It never sends, approves or pays.
Drafts, never sends. It never sends, approves or pays anything. A person does.
Every figure opens its source. Rows, system and the time they were read.
Five items, maximum. Everything else goes to the owner's queue, not yours.
Argued against. A challenger tries to kill each item before you see it.
Tie-out