SEA CAY

Digital Operations for Caribbean Infrastructure

Sea Cay — Financial Intelligence Platform Demo

FMPS Maritime
HCCP Concrete
Intercompany
Platform ROI

Monthly Revenue

$118,000
Core avg excl. project spikes

Net Profit (Aug '24)

$133,629
50% margin on $266,869 revenue

AR Outstanding

$2.31M
CRITICAL 10 months of revenue

Cash Position

$22,127
~6 days of operations

Revenue Trend — 12 Month View

⚠ Budget vs Actual Gap: 4.2x

Budgeted revenue is $498,000/month. Actual core revenue averages $118,000/month. Budget appears aspirational — platform provides the data to diagnose whether this is a pricing, volume, or execution gap.

AR Aging Distribution

AR Aging Detail

BucketAmountStatus
Current (0-30)$285,000OK
31-60 days$320,000OK
61-90 days$195,000OK
91-120 days$275,000WARN
120+ days$1,234,616CRITICAL
Total$2,309,616

DSO: 120+ days (industry benchmark: 45-60)

Implied financing cost: $115,481/year

📋 CEO Approval Bottleneck — The $47 Payment Story

A routine air freight payment of $47.00 sat waiting for CEO approval for over 10 hours. A potential Fortune 100 client was testing Fowlco as a new vendor. The delay risked a major client relationship — over forty-seven dollars.

The CEO currently spends 10+ hours/week on payment approvals across all three businesses. Every payment, regardless of size, routes through one desk.

Platform Solution: Delegation of Authority

ThresholdApproval
Under $500Auto-approve with Finance Clerk confirmation
$500 – $5,000Finance Manager approval
$5,000 – $25,000Controller approval + CEO notification
Over $25,000CEO approval required

Estimated CEO time recovered: 8-10 hrs/week — annual value at $150/hr: $62,400 – $78,000

Monthly Revenue

$49,977
Aug 2024

Net Loss

($103,506)
Operating at a loss

Gross Margin

28.5%
Industry avg: 35-45%

Equity

($946,577)
Technical insolvency

⚠ COGS at 69% of revenue — unsustainable

HCCP is operating at a loss with negative equity. Cash position of $5,090 covers ~3.5 days. Entity is sustained by intercompany loans from HGL/FMPS.

Cost Per Ton — 2500 PSI Normal Mix (19mm)

MaterialQty/TonCost
Cement (Type-IL)0.245$61.66
Aggregates G-3/40.165$6.74
Aggregates G-3/80.089$3.68
Fine Sand0.432$17.22
Water0.310$0.31
Admixture PLASTOL 6400$2.94
Admixture EUCON SE$2.94
Total Material Cost$95.49

Missing Cost Components — Not Currently Tracked

ComponentCurrent TrackingStatus
Wages (plant operators, drivers)$0MISSING
Diesel (mixer trucks, loaders)$0MISSING
Depreciation (plant equipment)$0MISSING
Power (electricity, KWH)$0MISSING
Maintenance$0MISSING

True cost per ton is UNKNOWN

Material cost alone is $95.49/ton. With labor, fuel, power, and maintenance, true cost is likely $130-160/ton. At current selling prices, margins may be negative. The platform fills these gaps by pulling actuals from QBO — payroll by department, fuel receipts, utility bills, equipment costs — and auto-calculates true cost per ton per mix formula.

Break-Even Analysis

Selling Price/Yard

$250

Est. True Cost/Yard

$155

Contribution Margin

$95/yd

Break-Even Volume

771 yds/mo
Current: 800 yds/mo ABOVE

Entity Health Scorecard

EntityRevenueNet IncomeCashEquityStatus
FMPS (Maritime)$266,869$133,629$22,127$606,248VIABLE
HCCP (Concrete)$49,977($103,506)$5,090($946,577)CRITICAL
Legacy DevelopersDORMANT

Intercompany Receivables — $2.16M Outstanding

FMPS

Maritime

$606K equity
$1.2M →
intercompany

HCCP

Concrete

-$947K equity
FMPS → $960K → HGL (Holding)

Intercompany Reality Check

~50% of intercompany "receivables" are internal capital flows, not collectible in the traditional sense. Platform recommendation: reclassify as equity contributions or formalize as loan agreements with repayment terms. Impact: reduces stated AR by ~$1M and gives leadership a true picture of what's collectible vs. internal funding.

Consolidated Group Metrics

Combined Revenue (Monthly)

$168,000

Combined Cash

$27,217

Total Employees

31
Revenue/employee: $65K/yr (benchmark: $150-250K)

Combined Liabilities

$11.6M
2.7x

Projected Year 1 ROI Multiple

Value Drivers — Year 1

Value DriverAnnual Value
AR Collection Improvement (10% of $2.3M)$230,000
CEO Time Recovery (8 hrs/wk × $150/hr × 50 wk)$60,000
Finance Labor Reduction (20 hrs/mo automated)$14,400
Error Reduction (invoice/payment mistakes)$12,000
HCCP Cost Visibility (informed pricing)$28,000
Total Estimated Value$344,400

Investment vs. Return

Cost Breakdown

Platform Investment (Year 1)$120,000
Hosting (12 months)$9,000
Total Year 1 Cost$129,000
Net ROI$215,400

Platform pays for itself if AR collection improves by just 5%

Sea Cay JV — Additional Revenue Stream

Heroic Group participates as co-owner (1/3) in Caribbean-wide platform deployment.

PeriodActive ClientsMRRHeroic Group Share (Annual)
Months 7-121-2$5-10K/mo$20,000 – $40,000
Year 23-5$15-25K/mo$60,000 – $100,000
Year 36-8$30-40K/mo$120,000 – $160,000

She's building an asset, not paying an invoice

By Year 3, JV revenue exceeds the original platform investment. Heroic Group becomes a technology co-owner, not a technology customer.