Rank levers
rank_leversRead-onlyIdempotent
Test nine single changes a small business owner can make and rank them by how much each lowers the chance of running short of money in the next 52 weeks, with the change in year-end money as a tiebreak. The levers: take a third up front, take 15 days off payment terms, raise prices 5 percent, take a fifth less owner draw for six months, cut overhead 10 percent, raise the credit line by half, run one crew lighter, add a crew, and buy three more enquiries a week. Each lever and the baseline run 3,000 simulated years with the same seed, so the difference is the lever and not the luck. Takes the same business description as a cash year simulation: a preset plus any overridden inputs. Pure arithmetic: no network access, nothing stored.
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
| name | No | Business name, used only to label the result. | |
| seed | No | Seed for the random draws. The same inputs and seed always return the same answer. Default "dry-run". | |
| crews | No | Crews (or technicians, or production units) working in parallel. One crew delivers one crew-week a week. | |
| preset | No | Starting template: excavation, plumbing, hvac, landscaping, roofing, or general for any other small services business. Every field below overrides it. Default general. | general |
| leads_cv | No | Week to week spread of enquiries. Default 0.35. | |
| tax_rate | No | Share of profit set aside for tax, paid quarterly. | |
| job_types | No | The kinds of work sold. Replaces the preset list. | |
| surprises | No | Random setbacks such as a machine breakdown or someone quitting. Replaces the preset list. | |
| close_rate | No | Share of enquiries that become jobs, as a fraction. | |
| credit_apr | No | Annual interest on the drawn balance, as a fraction. 0.11 is 11 percent. | |
| start_cash | No | Money in the bank on the day the year starts, in dollars. | |
| credit_line | No | Size of the line of credit, in dollars. 0 for none. | |
| fixed_costs | No | Monthly fixed bills such as rent, insurance and equipment notes. Replaces the preset list. | |
| seasonality | No | Twelve multipliers on enquiry volume, January first. 1 is an average month. | |
| start_month | No | Month the simulated year starts, 1 for January. Default: the current month. | |
| credit_drawn | No | How much of the line is already drawn, in dollars. | |
| bad_debt_rate | No | Share of invoiced balances never collected, as a fraction. | |
| leads_per_week | No | Enquiries in an average week before seasonality. | |
| overhead_weekly | No | Weekly overhead that runs whether or not anyone works: office, software, admin wages. | |
| collection_shape | No | How disciplined customers are about paying on time: 2 is ragged with a long tail of late payers, 6 is disciplined. | |
| crew_cost_weekly | No | Fully loaded weekly cost of one crew: wages, burden, fuel, vehicle. | |
| owner_draw_weekly | No | What the owner takes out each week. | |
| opening_receivables | No | Work already invoiced and not yet paid on day one, in dollars. | |
| opening_backlog_weeks | No | Crew-weeks of work already sold and waiting to start. |