Solutions
Ecommerce cash risk beyond GMV charts
Cash health and runway for ecommerce platforms modeling processor holds, refunds, and payout cadence.
GMV growth can mask reserve growth. Runway and distress endpoints help finance see when processor policies tighten even if top-line sales remain strong.
Refund shock modeling
Include refund-heavy categories explicitly in transactions so volatility indices reflect customer behavior, not smoothing artifacts.
Model promotional periods separately — heavy discounting can inflate GMV while compressing net cash per order.
Inventory and COGS timing
Pair cash endpoints with inventory purchase patterns when you finance stock with vendor terms — otherwise runway looks artificially long.
Marketplace vs DTC
When you sell through Amazon and Shopify, separate envelopes per channel so reserve and payout mechanics do not blend into one misleading score.
Stress testing
Run scenario bundles that combine refund spikes with ad spend increases — that combination breaks more ecommerce operators than either alone.