The neutral money question
Can my business afford it?
Put the proposal through MoneyCue before it becomes an argument. See what it would leave behind, what would make it safer, and share the answer without sharing the whole set of accounts.
See what the decision would leave behind
Use rough figures if that is all you have. This is a planning check, not a lending or solvency test.
Tax, VAT, payroll, near-term bills or other protected money.
Being able to pay is not the same as being able to afford it
A business can have enough money in the bank for a purchase and still make itself vulnerable by using it. Tax, payroll, supplier bills and the cash needed to survive a slow month can already have a claim on that balance.
MoneyCue therefore looks at what the decision leaves behind
The most useful number is often not the purchase price. It is the cash cushion and monthly breathing room after the decision. Try the same purchase as cash, finance and part-cash/part-finance to see how the shape changes.