April 2026 Financial Review
J&M Excavating LLC
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Prosynergy
Monthly Financial Review · April 2026

April 2026 Insights for J&M Excavating LLC

Prepared by Sahil · Prosynergy Bookkeeping

📹 Video Walkthrough
April Revenue
$326,035
↑ +$235,062 vs March
Net Income
$238,830
↑ +$269,617 vs March
Cash on Hand
$27,203
↑ +$11,200 vs March
Profit Quality
0.25
⚠ Concern — A/R & JML drag
“April was J&M Excavating’s biggest month of 2026 by far — after three slow months, the season arrived in full force — but with $131K in receivables outstanding and a $170K intercompany loan building, May is when this year’s strength gets converted to cash.”
Three Power Insights

April Rescued the Year — and Then Some

After losing $131,869 in the first three months of 2026, April’s $238,830 net income didn’t just break even — it put the business $107K ahead for the year. Revenue of $326K more than tripled March and demolished the Jan–Mar rolling average of $64,604. Gross margin jumped to 76% from negative territory all winter, driven by tile installation and excavating work surging to $310K in April alone. This is the business running exactly as designed.

✅ Action: Review staffing and equipment scheduling now to make sure May can sustain this pace.

One Customer Holds 38% of Your Receivables — Call Ben Weaver This Week

You have $131,651 sitting in outstanding invoices as of April 30. Ben Weaver alone owes $50,530 — that’s nearly twice your entire cash balance and 38% of everything you’re owed. Overall collections are excellent at 12 days, but that concentration is a risk. Meanwhile, Austin Hostetler’s $4,259 has been sitting unpaid for over 90 days — that one needs a direct conversation now.

✅ Action: Call Ben Weaver to confirm payment timing. Follow up directly with Austin Hostetler on the overdue $4,259.

The JM Logistics Loan Is at $170,677 — It Needs a Repayment Plan on Paper

J&M Excavating advanced another $100,000 to JM Logistics in April, bringing the total intercompany balance to $170,677 — now correctly recorded as a long-term asset. That’s more than six times your current cash balance. Both companies share the same ownership, which makes it easy to treat this informally — but a documented repayment plan protects both businesses and keeps the books clean for any future financing conversations.

✅ Action: Put a simple promissory note in place this month — agreed interest rate, minimum monthly payment, and a payoff timeline.
P&L Summary — April 2026
Line Item Jan Feb Mar Apr 3-Mo Avg
Revenue $86,158 $16,681 $90,973 $326,035 $64,604
Cost of Goods Sold $96,768 $91,796 $106,669 $78,312 $98,411
Gross Profit ($10,610) ($75,115) ($15,696) $247,723 ($33,807)
Gross Margin % −12.3% −450% −17.3% 76.0% −160%
Operating Expenses $24,547 $11,967 $15,269 $23,977 $17,261
Net Operating Income ($35,158) ($87,082) ($30,965) $223,745 ($51,068)
Other Income $22,000 $178 $15,085 $7,393
Net Income ($35,158) ($65,924) ($30,787) $238,830 ($43,956)
Cash Flow Waterfall — April 2026
What This Means
Revenue brought in $326,035 — the strongest operating month of 2026, as tile installation and excavating work surged with the season.
$66,628 is still sitting in unpaid invoices — the biggest cash drag this month. Ben Weaver ($50,530) is the top collection priority for May.
$100,000 went to JM Logistics as a long-term loan — now correctly recorded as a long-term asset. A repayment plan is the key next step.
$80,000 in customer prepayments were applied — held from prior work; the jobs are complete and these obligations are now cleared.
Cash ends at $27,203 — up $11,200 from March, supported by the ownership buyout principal payment from James Miller.
Key Accounts Snapshot
Cash in Bank
$27,203
+$11,200 vs March
Accounts Receivable
$131,651
DSO: 12.1 days · $4,259 at 91+ days
Accounts Payable
$28,360
DPO: 10.9 days · $550 slightly past due
Loan to JM Logistics (LT Asset)
$170,677
+$100,000 in April · Needs repayment plan
Farm Credit Debt (Total)
$218,608
$80,611 current · $137,997 long-term
Profit Quality Score
How well earnings convert to operating cash
0.25
⚠ Concern
Financial Health Ratios
Current Ratio
For every $1 of short-term obligations, you have $1.57 in current assets. Healthy territory — the busy season improved your balance sheet meaningfully.
1.57
Quick Ratio
Even without inventory, cash and receivables comfortably cover all current liabilities. Solid short-term coverage heading into May.
1.30
Days Sales Outstanding
Customers are paying in about 12 days on average — excellent. The one exception is Austin Hostetler, who is over 90 days past due.
12.1d
Profit Quality Score
$238K in earnings, but operating cash couldn’t keep pace. The A/R buildup ($66,628) and customer prepayment drawdown ($80,000) are the main reasons. The earnings are real — the cash timing needs to catch up in May.
0.25
📅 Before Next Month
The Event
The Farm Credit Operating Loan (Account 2650) shows $80,611 in current liabilities and has been unchanged for all four months — no payments, no interest activity, no movement. The renewal date or due date is unknown and needs to be confirmed before it becomes urgent.
Estimated Impact
If the operating line comes due without renewal, $80,611 would need to be repaid — roughly 3× current cash on hand. If it’s a seasonal revolving line that auto-renews, the risk is low. Either way, you need a confirmed answer before June.
One Action Item
Call Farm Credit by May 28 and confirm the renewal date and terms on the operating line (Account 2650). While you’re on the call, ask about the two long-term balances as well ($97,780 + $40,216 = $137,996 — no visible payments in four months).
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This report is prepared for informational purposes only and does not constitute financial, legal, or tax advice.
Please consult a licensed CPA or financial advisor before making business decisions based on this information.