Free cash-flow clarity tool for established healthcare practices

Your P&L shows profit. Why does cash still feel tight?

Build a 90-day profit-to-cash bridge and see which visible drivers deserve a closer look - without uploading financial statements or sharing patient information.

Explain my cash gap About 3 minutes

Created by Emily Hauser, CMA, for independent healthcare practices that need more than a backward-looking report.

Pinnacle Profit-to-Cash Clarity Tool

Build your directional 90-day bridge.

Use the last three fully closed months and rounded aggregate totals. Your figures are calculated in your browser and are not submitted to Pinnacle. The submitted record includes your contact information, statement basis, result category, largest visible driver, and nonfinancial tracking details.

Privacy: Do not enter PHI, patient-level information, employee names, account numbers, claim identifiers, or confidential payer or contract terms.
Step 1 of 6

Step 1

How are these financial statements prepared?

If you are unsure, choose that option. The tool will keep the bridge appropriately cautious.

Profit and cash answer different questions

A clear bridge shows where to look next.

A profitable income statement and a tight bank balance are not necessarily contradictory. Cash may be delayed, absorbed by growth, used outside ordinary operating expense, or simply missing from a forward-looking view.

01

Revenue is earned but not collected

Payer processing, denials, patient balances, and accounts receivable can delay when recognized revenue becomes available cash.

02

Growth uses cash before it produces cash

New staff, capacity, marketing, technology, or a service launch can create an intentional cash trough before collections build.

03

Cash leaves through the balance sheet

Debt principal, equipment, build-out, deposits, and prepaid costs affect cash differently from ordinary expense.

04

Owner, tax, or entity activity sits outside the operating view

Distributions, tax payments, contributions, and intercompany transfers can make one account tell an incomplete story.

05

There is no forward cash rhythm

A bank balance is a snapshot. A rolling forecast and cash floor give leadership time to respond before pressure becomes urgent.

Transparent methodology

What the tool calculates

Cash changeEnding unrestricted cash - beginning unrestricted cash

Profit-to-cash gapReported profit - cash change

Visible driversFor accrual financials: receivables growth + owner/tax cash + principal/capital purchases

Unexplained remainderThe difference still requiring reconciliation - never an invented balancing plug

Led by a Certified Management Accountant

Built for a better monthly finance conversation.

This tool provides a directional screen, not a diagnosis or forecast. Pinnacle works alongside the bookkeeper and CPA a practice already trusts to connect reported results, cash movement, forecasts, and the decisions ahead.

See how Pinnacle works month after month

Questions about the diagnostic

Does this tool tell me whether my practice is healthy?

No. It shows how much of the recent profit-to-cash difference is visible from the limited inputs provided. It does not assess liquidity, accounting accuracy, tax position, collections performance, or future cash.

Will Pinnacle receive the financial figures I enter?

No. The figures are calculated in your browser and stored temporarily in that browser so the next page can display your bridge. Pinnacle receives only your email, result category, and largest visible driver.

What if the bridge does not fully reconcile?

Keep the remainder visible. Common follow-up areas include payables, depreciation, new borrowing, owner contributions, prepaids, credit-card balances, and transfers. A remainder is a prompt to investigate - not a number to force into balance.

Educational screening only. Not accounting, tax, legal, audit, lending, investment, valuation, clinical, payer-contract, or regulatory advice. Do not use this tool for PHI or patient-level data.