AI Insights

Refinancing the 2018 series at current rates yields $2.4M in NPV savings — payback in 2.1 years.

Days sales outstanding rose to 47 days, 12% above your 12-month average. Consider tightening collection terms.

Projected end-of-Q4 cash balance is $4.8M — 12% above plan. Excess can be deployed in short-term treasuries.

Operations is over-allocated by 4 points relative to peer benchmarks. Shifting toward R&D could lift margin by ~80 bps.