Revenue
$23,303
▲ +$3,128 vs Mar
+102% since January
Net Income
$1,395
▲ First profit of 2026
Jan–Mar avg: –$1,481/mo
Cash in Bank
$11,669
▲ +$10,629 vs Mar
Best balance of the year
Profit Quality
6.73
Above 1.2
Driven by $8.7K new deposits
"April was Build ATL's breakthrough month — the first net profit of 2026 — but with $19,719 already deposited for May work, the best is still ahead."
Three Power Insights
Insight 01
🎉 First Profitable Month — Revenue Has Doubled Since January
Revenue grew from $11,526 in January to $23,303 in April — a 102% increase in four months, and April was the first net-profitable month of 2026 with $1,394 in net income after covering all expenses, loan payments, and owner draws. The business is officially trending in the right direction. Every single month this year has been higher than the last.
Action item: Set a May revenue target now — with $19,719 in customer deposits already in hand, you're more than halfway to matching April before a single new sale comes in.
Insight 02
💰 You Have $19,719 in Future Work Already Paid For
Customer prepayments on the Balance Sheet hit $19,719 at month-end — deposits clients have already paid on jobs not yet completed. That's committed May revenue: David Brickley ($8,098), Stephanie Andrews ($7,032), Jordan Shorthouse ($6,783), and Kevin Lathers ($5,123). One of those jobs has a hard deadline with real money attached to it.
Action item: The David Brickley project carries a $600 refund clause if not completed by May 15 — confirm it's scoped and scheduled to hit that date. That deadline is worth protecting.
Insight 03
📉 Your Payment Processing Fees Are Growing — Here's an Easy Fix
QuickBooks Payments processing fees hit $876 in April, up from $356 in March — a 146% jump in one month. At roughly 4% per transaction, you're paying a premium that will keep climbing as revenue grows. A $197 finance charge also appeared on the Wells Fargo credit card — the first time this has happened — meaning the balance is now accruing interest.
Action item: For jobs over $2,500, offer ACH (bank transfer) at a flat ~$3 fee instead of card. On a job like the $8,097 Brickley invoice, that's a $320 difference. Also: set a monthly reminder to pay the WF credit card balance in full to stop the finance charges.
Profit & Loss Summary
| Line Item |
Jan |
Feb |
Mar |
Apr |
MoM Δ |
3-Mo Avg |
| Income |
| Shed Sales Commission |
$11,526 | $17,798 | $20,176 | $23,303 |
+$3,128 |
$16,500 |
| Total Revenue |
$11,526 | $17,798 | $20,176 | $23,303 |
+15.5% |
$16,500 |
| Cost of Goods Sold |
| Job Materials |
$7,052 | $7,795 | $8,853 | $11,422 |
+$2,570 |
$7,900 |
| Subcontractors |
$1,746 | $3,251 | $1,060 | $2,787 |
+163% |
$2,016 |
| Total COGS |
$8,798 | $11,046 | $9,913 | $14,209 |
+43.3% |
$9,919 |
| Gross Profit |
$2,728 | $6,753 | $10,263 | $9,094 |
–$1,169 |
$6,581 |
| Gross Margin % |
23.7% | 37.9% | 50.9% |
39.0% |
–11.9pp |
37.5% |
| Expenses |
| Payroll & Taxes |
$3,994 | $5,827 | $4,787 | $4,870 |
+$83 |
$4,869 |
| Banking & Processing |
$420 | $283 | $504 | $1,246 |
+147% |
$402 |
| Professional Fees |
$740 | $759 | $1,971 | $718 |
–$1,253 |
$1,157 |
| Insurance |
$471 | $— | $446 | $223 |
–$223 |
$305 |
| Vehicles / Fuel |
$253 | $796 | $208 | $314 |
+51% |
$419 |
| Interest Expense |
$575 | $437 | $383 | $99 |
–$284 |
$465 |
| Total Expenses |
$6,471 | $8,389 | $9,631 | $7,700 |
–$1,931 |
$8,164 |
| Net Income |
–$3,743 | –$1,637 | $938 |
$1,395 |
+$457 |
–$1,481 |
Cash Flow Waterfall — April 2026
What This Means
Revenue
All $23,303 invoiced in April was collected by month-end — zero outstanding receivables. Every dollar billed became cash.
COGS
$14,209 in job materials and subcontractors consumed 61 cents of every revenue dollar. Subcontractor costs tripled vs March as job scope expanded.
Expenses
$7,700 in operating costs — payroll, insurance, processing fees, fuel — left $1,395 in operating profit after the jobs were paid for.
Deposits
$8,692 in new customer deposits is the single biggest cash driver of the month — clients pre-paying for May jobs that haven't started yet.
Ending Cash
$11,669 in the bank — the strongest position Build ATL has had all year. This cash needs to cover $12,860 in credit card balances and $1,150/month in debt service going forward.
Key Accounts Snapshot
Cash in Bank
$11,669
▲ +$10,629 from March
Accounts Receivable
$0
DSO: 0 days — fully collected
Accounts Payable
$236
Parker & Son — window order
Credit Cards
$12,860
▼ –$918 vs March · ⚠ accruing interest
Customer Deposits
$19,719
May pipeline — 4 jobs in queue
Truck Loan
$12,643
$681.57/mo · ~22 months remaining
Profit Quality Score — April 2026
6.73 Above 1.2
Operating cash flow ($9,387) ÷ Net income ($1,395). Score is elevated because $8,692 in new customer deposits flowed through cash this month — that's future revenue already in the bank, which is a healthy sign. Adjusted for deposits, earnings-to-cash conversion = 0.50 — worth watching as those jobs are completed in May.
Financial Health Ratios
Revenue Growth
+102%
January to April. Revenue doubled in four months — exceptional trajectory for a service business. Rolling 3-month average is $16,500; April came in 41% above it.
Gross Margin %
39.0%
Down from 50.9% in March, driven by a 163% spike in subcontractor costs. Rolling 3-month average is 37.5% — April is above baseline but margin management will matter as jobs scale.
Current Ratio (adj.)
0.65
Adjusted for $19,719 in customer prepayments (committed work, not traditional debt). Raw ratio = 0.31. Cash is growing — continued revenue growth will bring this into healthy range.
Debt Coverage (DSCR)
0.80
NOI $1,395 vs ~$1,737 in estimated monthly debt service. Below the 1.25 healthy threshold — the business needs ~$2,000+ in monthly NOI to comfortably cover debt. Revenue growth is the path.
The Opportunity
Two small habits could save Build ATL $400–$600 every single month — and neither one requires cutting a service or changing how you run jobs. A $197 credit card finance charge appeared for the first time in April, and $876 went to payment processing fees. Both are avoidable.
Estimated Impact
Credit card interest: The Wells Fargo card carried a balance into April and triggered a $197 finance charge. At current balances, that could easily become $200–$250/month if left unchecked — money that disappears without buying anything. Payment processing: QuickBooks Payments charged $876 in April at roughly 4% per swipe. On a single $8,000 job, that's $320 in fees. Switching that one invoice to ACH (bank transfer) costs about $3.
One Action Item
Step 1 — Pay the WF credit card in full by May 15. Set a recurring calendar reminder to pay it in full by the 15th each month. The balance is $10,989 — even a partial paydown now reduces the interest hit in May.
Step 2 — Add an ACH option to your next invoice. When you send the next invoice over $2,500, include a note: "Prefer to pay by bank transfer? Reply and I'll send you ACH details — no card fee." Most customers don't mind, and the savings add up fast as your revenue grows.
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This report is prepared by Prosynergy Bookkeeping based on financial data provided by Build ATL Inc and recorded in QuickBooks Online. It is intended for internal management use only and does not constitute tax, legal, or investment advice. All figures are on an accrual basis. Please consult a licensed CPA or financial advisor for formal financial guidance.