Banks are jittery. Capital isn't what it cost a few years ago. And every CFO and owner-operator is asking the same question: where do we fund the business when outside money gets expensive? Here's the thing you may already have a war chest of cash; you just haven't measured it yet. It's sitting in your books. In your AR. In the processes, escalation gaps, and customer relationships your credit team manages every day. And in this economy, that internal liquidity is worth more than any line of credit a lender will write you. But you can't put a number on it and you can't defend it in the boardroom until you can score it.
In this 45-minute session, John Lockhart, CEO of Billfire, sits down with Bob Shultz, Founder of TCLM, for a CFO-focused conversation on the two layers of liquidity hiding in mid-market AR and the scorecard that quantifies both.
What you'll take away:
The Double Bump. Why a disciplined AR process delivers liquidity twice: cash freed from your own balance sheet, and a stronger risk profile that lowers your cost of capital.
The CPR Score. A five-pillar composite that turns "how's collections going?" into a defensible number, the kind of metric a CFO can take into a bank meeting, a board meeting, or a covenant review. What the score reveals. Whether you're Reactive, Inconsistent, Solid, or Ready and what each level is quietly costing you in DSO, write-offs, and borrowing terms.The operational shifts that move AR from a back-office function into a working capital strategy without adding headcount.
This isn't a session about collections software. It's a conversation about capital strategy for the people responsible for finding it. It's time to stop renting money from lenders. It's time to mine the gold.
Who should attend: CFOs, Controllers, VPs of Finance, and owner-operators at mid-market distribution and manufacturing companies.