Interactive tool · no signup
Reserve
math.
Rolling reserves tie up working capital — sometimes more than operators realize. Model your reserve schedule, see the steady-state capital locked up, and compare reserve scenarios side-by-side.
Held per month
$0
Released per month (steady state)
$0
Steady-state reserve balance
$0
Annual cost at 8% capital rate
$0
12-month projection
Each row shows what happens in a given month: new tranche held, oldest tranche released, running balance.
| Month | New held | Released | Net to bank | Reserve balance |
|---|
Why reserve reduction is worth pushing for
Your steady-state reserve is dead working capital. Reducing 10%/6mo to 5%/3mo on the volume you have now would free up $0 — funds you could deploy to inventory, ad spend, or payroll. multiflow reviews reserves every 6 months and pushes acquirers to reduce when your ratio + history support it.