Vendor Payment History — Q1 2026
ADP 59%
PGR 10%
FBM
L&W
RENT
OTHER 21%
| Vendor | Category | Q1 Paid | Current Balance | Notes |
|---|
| ADP RUN Payroll |
payroll |
$274,552.29 |
Auto-debit |
March anomaly resolved — includes 3x retry of $28,982.07 + $64,521.44 on 3/27 |
| PGR Drywall |
subcontractor |
$46,339.22 |
Per job |
Checks 1069–1076 · Primary sub |
| Foundation Building Materials |
materials |
$20,023.79 |
COLLECTIONS |
Acct 375783 · Christina Annunziata following up |
| L&W Supply |
materials |
$18,254.29 |
$17,949.41 |
Due 4/15 — 7 days · Acct 188446-0001 |
| 428 Zimmerman St LLC |
rent |
$3,900.00 |
$1,300/mo |
Checks 1068, 1073, 1077 · Current |
| Capital on Tap |
credit card |
$2,401.69 |
$7,229.34 |
Due 4/21 · Business CC |
| Conking & Calabrese (CPA) |
professional |
$1,500.00 |
$0.00 |
Check 1078 · Paid 3/30 |
| Capital One Auto |
auto loan |
$1,454.13 |
Auto-debit |
$484.71/mo |
| OneMain Financial |
loan |
$1,451.52 |
Auto-debit |
$483.84/mo |
| State Farm Insurance |
insurance |
$1,225.70 |
Auto-debit |
$612.85/mo |
| Selective Insurance |
insurance |
$804.50 |
Auto-debit |
Workers comp · $804.50 in Jan |
| Intuit QuickBooks |
subscription |
$712.00 |
$356/mo |
VISA x7487 · Next due 4/27 |
| National Fuel Gas |
utility |
$662.84 |
Auto-pay |
6363 Main St |
Source: Northwest Bank checking x5158 · Statements Jan–Mar 2026
Q1 2026 Cash Flow Summary
NVR ACH Received
$202,743.39
9 payments · Vendor #78980
Total Deposits
$424,818.64
NVR + client + transfers
Total Debits
$466,561.20
All outflows Q1
Net Cash Q1
-$41,742.56
Cash burn exceeded deposits
Opening Balance 1/1
$42,997.23
Ending Balance 3/31
$1,254.67
Current (after 4/2 NVR)
~$29,058.01
NVR ACH A1842833 · $27,803.34
| Month | Opening | Deposits | Debits | Ending | NVR ACH |
|---|
| January | $42,997.23 | $77,184.19 | $119,891.76 | $289.66 | $18,156.61 |
| February | $289.66 | $94,517.04 | $91,470.29 | $3,336.41 | $50,070.52 |
| March | $3,336.41 | $253,117.41 | $255,199.15 | $1,254.67 | $134,516.26 |
| Q1 Total | | $424,818.64 | $466,561.20 | $1,254.67 | $202,743.39 |
Northwest Bank — Verified Q1 2026
Cash Flow Alerts
!!
Account ended March at $1,254.67 — critically low
Recovered to ~$29K on 4/2 via NVR ACH A1842833 ($27,803.34). Next NVR expected: A1845121 on 4/9 for $23,276.36. Must maintain buffer for ADP biweekly pulls (~$15K–$28K).
!
3 OD fees in March — $111.00 total
Charged 3/9, 3/16, 3/18 ($37 each). Caused by ADP retry payments pulling when balance was insufficient. ADP anomaly is resolved — consider requesting NW Bank fee reversal.
!
L&W Supply — $17,949.41 due 4/15
Acct 188446-0001 · Net 30 · Largest upcoming vendor payment. Ensure NVR deposits 4/2 + 4/9 clear before L&W pull.
!
Capital on Tap — $7,229.34 due 4/21
Business CC statement balance (2/22–3/21). Monthly autopay.
i
Crypto outflows Q1: ~$50,616
Coinbase (~$46K, 40+ transactions), Kalshi ($2,300), Robinhood ($157). 10.8% of total Q1 debits flowing out of operating account to trading platforms.
✓
ADP March anomaly — resolved
3x retry of $28,982.07 (3/17, 3/18, 3/20) + $64,521.44 on 3/27 were legitimate retry/catchup payments after NSF bounces. No duplicate charges outstanding.
Payroll Dashboard
Last Payroll Run—
Last Run Amount—
2025 W-2 Payroll—
2025 Subcontractor (PGR)—
2025 Total Labor—
Labor % of 2025 Revenue—
2025 Full-Year Revenue—
W-2 vs Sub Split—
Recent 8-Week Payroll
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