What if I don't have Brex or Plaid connected?

She works with manual cash uploads (you tell her your balance once a week) or any bank with API access. The model loses some real-time accuracy but the scenario math still works. Most users start manual and connect Plaid in week 2 once they see the value.

How accurate is the burn calculation?

Within 5% if Stripe + Gusto + QuickBooks are all connected. Without QuickBooks she misses some vendor invoices (typically off by 10-15%). She always tells you the confidence level so you know how much to trust the runway number.

Can she model raising a round?

Yes — tell her 'model a $3M raise closing in 4 months at $25K/mo dilution-impact assumption' and she'll add a 4th scenario showing post-raise runway. She'll also flag if your current burn requires the raise to close earlier than your timeline.

What if revenue is lumpy (annual contracts, big enterprise deals)?

She normalizes by annualizing committed ARR and computing MRR-equivalent. For lumpy revenue she also reports cash runway separate from accounting runway — important because cash is what actually keeps the lights on. She'll flag if you're projected to hit a cash crunch even when accounting runway looks fine.

Ask Tycoon Agent: What is my real runway?

You'd think this is a 'check the bank balance' answer — Tycoon Agent runs the real model with committed spend, AR, and 3 scenarios in 5 minutes.

The short answer

Tycoon Agent calculates your real runway weekly by pulling live data from 4 sources and running 3 scenarios. (1) Cash on hand from Brex + business checking via Plaid. (2) Net burn from last 90 days of Stripe revenue minus all categorized expense outflows (payroll via Gusto, vendor invoices via QuickBooks, SaaS via expense feed). (3) Committed spend not yet billed — annual contracts, vendor commitments, ramping headcount. (4) Accounts receivable with aging — what's actually likely to collect vs deadbeat. Then she runs 3 scenarios: Optimistic (current MRR growth holds), Base (flat MRR), and Pessimistic (10% MoM decline). The Lark report Monday morning shows: cash today, weekly burn (4-week rolling avg), runway in months for each scenario, and the top 3 levers to extend it (cut waste, accelerate AR, raise prices). Most founders' real runway is 2-4 months shorter than their gut estimate.

How Tycoon Agent actually does it

Pull live cash position
Brex + business checking via Plaid. Sum across all accounts. Subtract any cash earmarked for taxes/escrow.
BrexPlaid
Compute true net burn
Last 90 days: Stripe revenue minus all expense outflows (payroll via Gusto, vendors via QuickBooks, SaaS via Brex categorization). 4-week rolling average for stability.
StripeGustoQuickBooks
Add committed spend not yet billed
Annual contracts auto-renewing, ramping headcount with start dates >30d out, vendor commitments. These hit the runway model even if not yet on the credit card.
Model 3 scenarios
Optimistic: current MRR growth rate holds. Base: MRR flat. Pessimistic: 10% MoM MRR decline + headcount ramp. Each scenario produces a runway-in-months number.
Deliver report + extension levers
Monday Lark message: cash, weekly burn, runway by scenario, top 3 extension levers (cut top 5 wastes / accelerate AR / raise pricing) with $$ impact each.
Lark

What it looks like in chat

YouWhat's my real runway?

Tycoon AgentJust ran it. **You have 11.4 months in base case, not the 14 you've been assuming.** **Cash today:** $487K (Brex $312K + checking $175K). **True burn (4wk rolling):** $43K/mo, not the $38K you have in the deck. Why higher: 2 new hires started March, full payroll only hit April; Datadog jumped to enterprise plan; AWS up 22% with the new staging cluster. **Committed not yet billed:** $18K (annual Notion contract auto-renews May, ramped Senior Eng starts June at $14K/mo). **Runway by scenario:** - Optimistic (MRR +8% MoM): **15.2 months** - Base (MRR flat): **11.4 months** - Pessimistic (MRR -10% MoM): **6.8 months** ← worry zone **Top 3 levers to extend (base case → 14+ months):** 1. **Cut top 5 wastes I found last week:** $6.8K/mo saved = +1.4 months 2. **Accelerate AR:** $42K outstanding past 60 days, mostly from 3 enterprise accounts. Targeted collection = +0.9 months 3. **5% price bump on Pro tier:** ~$3.2K/mo MRR lift = +0.7 months Do all 3 and you get to 14.4 months. Want me to start on cuts + AR collection?

What you get back

Weekly Monday Lark report: cash, true burn, runway in 3 scenarios, top 3 extension levers with $$ impact.

Cadence: Weekly Monday 9am; emergency report if any scenario drops below 6 months.

What is my real runway?