https://navigatorhq.ai/insights Cash, lenders and multi-entity books, explained for owners. en Mon, 21 Sep 2026 00:00:00 +0000 https://navigatorhq.ai/insights/client-advisory-services-multi-entity-clients https://navigatorhq.ai/insights/client-advisory-services-multi-entity-clients Mon, 21 Sep 2026 00:00:00 +0000 For firms CAS grows fastest with owners of several entities, where the close is worth most and the owner is most lost. The catch is they only see your work quarterly. https://navigatorhq.ai/insights/construction-company-cash-flow-problems https://navigatorhq.ai/insights/construction-company-cash-flow-problems Fri, 18 Sep 2026 00:00:00 +0000 Industries Contractors run out of cash while profitable: crews are paid weekly, customers pay in 45 to 90 days, retainage holds 5 to 10%, underbilled jobs read as profit. https://navigatorhq.ai/insights/sba-dscr-requirements-2026-sop-50-10-8-1 https://navigatorhq.ai/insights/sba-dscr-requirements-2026-sop-50-10-8-1 Wed, 16 Sep 2026 00:00:00 +0000 Lenders From 1 October 2026, SBA 7(a) lenders will require 1.15x coverage for expansion loans and 1.25x for acquisitions, buyouts and ESOPs, and no projections allowed. https://navigatorhq.ai/insights/4-wall-ebitda-franchise https://navigatorhq.ai/insights/4-wall-ebitda-franchise Mon, 14 Sep 2026 00:00:00 +0000 Industries Four-wall EBITDA is one store's profit before interest, taxes, depreciation and amortization, counting only what happens inside its walls. Formula and example. https://navigatorhq.ai/insights/hotel-pl-by-property-usali-breakeven-occupancy-goppar https://navigatorhq.ai/insights/hotel-pl-by-property-usali-breakeven-occupancy-goppar Thu, 10 Sep 2026 00:00:00 +0000 Industries A hotel P&L under USALI runs from rooms revenue through departmental and undistributed costs to GOP. How to read it per property, with breakeven occupancy. https://navigatorhq.ai/insights/quickbooks-advanced-vs-intuit-enterprise-suite-multi-entity https://navigatorhq.ai/insights/quickbooks-advanced-vs-intuit-enterprise-suite-multi-entity Mon, 07 Sep 2026 00:00:00 +0000 Multi-entity QuickBooks Advanced is $340 a month per company, no consolidation. Enterprise Suite consolidates at about $12,000 to $15,000 a year. Where a small group fits. https://navigatorhq.ai/insights/ai-cfo-vs-fractional-cfo-vs-bookkeeper https://navigatorhq.ai/insights/ai-cfo-vs-fractional-cfo-vs-bookkeeper Thu, 03 Sep 2026 00:00:00 +0000 AI and trust A bookkeeper records what happened ($500 to $2,000 a month). A controller closes the month ($2,500 to $7,000). A fractional CFO runs $3,000 to $12,000 a month. https://navigatorhq.ai/insights/one-company-paying-another-companys-bills https://navigatorhq.ai/insights/one-company-paying-another-companys-bills Mon, 31 Aug 2026 00:00:00 +0000 Multi-entity When one company you own pays another's bill, it has lent it money. Record it as due from and due to, settle monthly, and unwind a shared account at a cut-off. https://navigatorhq.ai/insights/loan-covenants-compliance-lender-reporting https://navigatorhq.ai/insights/loan-covenants-compliance-lender-reporting Thu, 27 Aug 2026 00:00:00 +0000 Lenders A loan covenant is a promise to keep coverage, leverage and liquidity inside set limits and send the statements that prove it. A breach hands the bank options. https://navigatorhq.ai/insights/why-chatgpt-gives-different-answers-same-question https://navigatorhq.ai/insights/why-chatgpt-gives-different-answers-same-question Mon, 24 Aug 2026 00:00:00 +0000 AI and trust Language models pick each word by probability, so one prompt can land on different answers. A 2025 test got 80 answers from 1,000 identical runs. How to cope. https://navigatorhq.ai/insights/one-llc-per-rental-property-accounting https://navigatorhq.ai/insights/one-llc-per-rental-property-accounting Thu, 20 Aug 2026 00:00:00 +0000 Industries One LLC per property is a liability decision with an accounting bill: a bank account, a set of books and a DSCR test per LLC, plus the portfolio view on top. https://navigatorhq.ai/insights/chatgpt-claude-quickbooks-connector-read-only https://navigatorhq.ai/insights/chatgpt-claude-quickbooks-connector-read-only Mon, 17 Aug 2026 00:00:00 +0000 AI and trust QuickBooks Online now connects to ChatGPT and Claude. The connector reads reports but can also create, edit and delete invoices. How to keep it read-only. https://navigatorhq.ai/insights/global-cash-flow-analysis-business-owners https://navigatorhq.ai/insights/global-cash-flow-analysis-business-owners Thu, 13 Aug 2026 00:00:00 +0000 Lenders Global cash flow adds up every business you own plus your personal income, subtracts every debt payment across all of them, and asks if the whole covers itself. https://navigatorhq.ai/insights/budget-vs-actual-analysis https://navigatorhq.ai/insights/budget-vs-actual-analysis Mon, 10 Aug 2026 00:00:00 +0000 Cash Budget vs actual compares what you planned with what happened, line by line, in dollars and percent. The skill is knowing which variances matter and why. https://navigatorhq.ai/insights/holding-company-accounting-quickbooks https://navigatorhq.ai/insights/holding-company-accounting-quickbooks Thu, 06 Aug 2026 00:00:00 +0000 Multi-entity A holding company's own books are a few entries a month. The work is one consolidated picture from several QuickBooks files for owner, lender and investors. https://navigatorhq.ai/insights/is-it-safe-to-upload-financial-statements-to-chatgpt-claude https://navigatorhq.ai/insights/is-it-safe-to-upload-financial-statements-to-chatgpt-claude Mon, 03 Aug 2026 00:00:00 +0000 AI and trust It depends on the account. Consumer ChatGPT trains on chats unless you opt out; business plans and Claude's commercial products do not. A P&L is low risk. https://navigatorhq.ai/insights/ar-aging-report-explained https://navigatorhq.ai/insights/ar-aging-report-explained Thu, 30 Jul 2026 00:00:00 +0000 Cash An AR aging report lists unpaid invoices by how long they have been outstanding, in 30-day buckets. How to read it as next month's cash and this week's calls. https://navigatorhq.ai/insights/manage-finances-multiple-businesses https://navigatorhq.ai/insights/manage-finances-multiple-businesses Mon, 27 Jul 2026 00:00:00 +0000 Multi-entity Owners of several companies need total cash, profit by company after intercompany transfers, and what changed. A weekly and monthly rhythm replaces the sheet. https://navigatorhq.ai/insights/profit-vs-cash-why-net-income-doesnt-match-bank-balance https://navigatorhq.ai/insights/profit-vs-cash-why-net-income-doesnt-match-bank-balance Thu, 23 Jul 2026 00:00:00 +0000 Cash Net income is what you earned; the bank balance is what you have. The gap is timing plus the payments the P&L never records. How to trace yours in ten minutes. https://navigatorhq.ai/insights/quickbooks-separate-files-or-classes-multiple-llcs https://navigatorhq.ai/insights/quickbooks-separate-files-or-classes-multiple-llcs Mon, 20 Jul 2026 00:00:00 +0000 Multi-entity One QuickBooks Online file per EIN. Two locations inside one legal entity can share a file with classes or locations. Separate LLCs need separate files. https://navigatorhq.ai/insights/how-much-cash-reserve-should-a-business-have https://navigatorhq.ai/insights/how-much-cash-reserve-should-a-business-have Thu, 16 Jul 2026 00:00:00 +0000 Cash Advice says three to six months of expenses. The median small business holds 27 days. How to count your reserve in days of outflow, per company, from bank data. https://navigatorhq.ai/insights/intercompany-transactions-explained https://navigatorhq.ai/insights/intercompany-transactions-explained Mon, 13 Jul 2026 00:00:00 +0000 Multi-entity An intercompany transaction is money moving between two companies you own: rent, a management fee, a bill the wrong entity paid, a loan. Each must cancel out. https://navigatorhq.ai/insights/debt-service-coverage-ratio-business-owners https://navigatorhq.ai/insights/debt-service-coverage-ratio-business-owners Thu, 09 Jul 2026 00:00:00 +0000 Lenders DSCR is the cash a business generates divided by the principal and interest due in the same period. Banks want 1.20 to 1.25, SBA lenders about 1.10 to 1.15. https://navigatorhq.ai/insights/13-week-cash-flow-forecast https://navigatorhq.ai/insights/13-week-cash-flow-forecast Mon, 06 Jul 2026 00:00:00 +0000 Cash A 13-week cash flow forecast lists the cash you expect to collect and pay each week for a quarter, from today's balance. How to build one in an hour and use it. https://navigatorhq.ai/insights/quickbooks-online-consolidate-multiple-companies https://navigatorhq.ai/insights/quickbooks-online-consolidate-multiple-companies Thu, 02 Jul 2026 00:00:00 +0000 Multi-entity No. QuickBooks Online has no built-in consolidation; every company is its own subscription. Owners with two to ten entities use one of four routes instead.