Liens lawsuits & collections
Frozen Bank Account Operating Gap
Measure the operating gap using only cash currently available to the business.
How to use this calculator
- Gather available unfrozen cash; inaccessible balance; near-term receipts; critical costs. Use documents covering the same date or period.
- Replace the example values with your own figures. Change one assumption at a time to compare scenarios.
- Review operating cash gap; days of coverage; expense calendar. Open the breakdown and export a copy for discussion.
How the calculation works
Available liquidity adds accessible cash and expected accessible receipts. The gap is critical payments less that amount, floored at zero. Remaining positive cash divided by daily cost gives coverage after critical bills.
Worked example
These results use the editable example values shown in the calculator. They illustrate the method and do not predict an offer or outcome.
- Critical-payment shortfall
- $5,000.00
- Accessible liquidity
- $25,000.00
- Frozen cash excluded
- $40,000.00
- Days covered after critical bills
- 0
Questions about the results
What does this tool include?
Measure the operating gap using only cash currently available to the business. Available liquidity adds accessible cash and expected accessible receipts. The gap is critical payments less that amount, floored at zero. Remaining positive cash divided by daily cost gives coverage after critical bills.
What should I verify before relying on the result?
Frozen funds are displayed but excluded from available liquidity. This does not advise moving restrained assets or determine whether a restraint is valid.
What this result does and does not tell you
Frozen funds are displayed but excluded from available liquidity. This does not advise moving restrained assets or determine whether a restraint is valid.