Pillar 03
Cash Flow & Funding Velocity:
cash-in-transit is the first quiet leak.
Contract-in-transit drag, funding lag, missed receivables, and timing failures that erode working capital before month-end.
Where working capital quietly evaporates
The problem, framed honestly.
Contracts in transit past day seven are not a finance problem. They are a cash-conversion problem with a regulatory and lender-relationship tail.
Funding lag compounds. A 3-day average delay across 300 deals per year puts material working capital in limbo on any given day [ESTIMATED; magnitude depends on mean deal principal and funding-rate cadence].
Mechanus IQ ranks CIT aging by lender, by advisor, by product mix, and surfaces the exact place the funnel stalls.
Signal inventory
What Mechanus IQ actually looks for.
Each signal corresponds to one or more verified vectors in the Mechanus IQ detection surface. Full inventory: intelligence model.
01
CIT past day seven, by lender
Concentrated lag with one or two lenders usually means a documentation gap or a credit re-score loop. Both are fixable.
02
Funding lag by advisor
One advisor consistently 4 days behind the rooftop median suggests a close-packet completeness issue.
03
Recon timing failure on trade payoffs
Trade payoff sent but not reconciled against the lender acknowledgement. Exposure sits on the balance sheet.
04
Rebate and incentive receivables aging
OEM rebate filings past 60 days without receipt reconciliation. Missing the filing window means the rebate is forfeited.
05
Lender conversion ratio drift
Deals sent to a lender that do not fund, measured as a rolling 90-day trend. A dropping ratio is usually the lender tightening before they tell anyone.
Gates, not recommendations
The problems we surface do not come back.
Every finding becomes a permanent enforcement gate inside the workflow. Hard gates block the action until resolved. Soft gates page an operator on drift. Audit gates flag the event for scheduled review. How gates work.
Hard gate
Day-7 CIT escalation block
A deal that crosses day seven in CIT escalates automatically to the CFO, with the specific stalling document flagged.
Blocks the action until resolved
Soft gate
Lender-routing drift alert
When the funded-deal ratio for a specific lender drops below configured threshold, routing is paused and re-evaluated.
Pages the relevant operator on drift
Audit gate
Rebate filing calendar enforcement
OEM rebate filings are tracked against window deadlines. Missed windows flagged at close.
Flags the event for scheduled review