CONSTRUCTION FINANCE • PRIVATE IN YOUR BROWSER

A profitable tender can still kill your cash flow.

Find the hidden funding gap before you quote. BidShield connects BOQ line margins with client payment delays, retention, TDS withholding and working-capital stress — without uploading a document or buying software.

Stress-test a BOQ ↗See how the model works ↓

✓ Works offline after loading✓ No account or server upload✓ Sample BOQ included✓ CSV / JSON export

01 / INPUT THE REAL NUMBERS

Your BOQ, your assumptions.

Start with the demo, edit any row, or import a CSV. Figures below are illustrative until replaced with your verified costs and contract terms.

Import BOQ CSV

Demo BOQ loaded — replace with actual tender data for meaningful results.

Editable BOQ pricing lines. Rate fields are in INR excluding GST.
Item / description	Qty	Unit	Quoted ₹ / unit	Cost ₹ / unit	Line margin	Remove

CSV columns: item,qty,unit,quote_rate,cost_rate. Quotes, commas and BOM supported. Only positive quantities and nonnegative finite rates accepted. Up to 250 rows.

02 / CASH-FLOW ASSUMPTIONS

Stress the payment cycle.

Editable scenario • no fixed tax advice

Execution duration months Client payment lag whole months after work Retention withheld % of billed work Retention release months after completion Mobilisation advance % of quoted contract Supplier credit delay whole months; simplified all costs TDS withholding % model assumption, not tax advice Available working capital ₹ cash + accessible credit Cash contingency buffer % on peak cash deficit Stress: extra payment lag whole months Stress: extra costs % on all direct costs

Local math. No files leave your device.

03 / WHAT THE BID ACTUALLY DOES

Bid verdict —

A monthly, uniform-progress scenario. Replace estimates with your real schedule and payment clauses.

Quote value (ex-GST)—BOQ total

Gross margin (base)—Before tax and financing costs

Base cash needed + buffer—Deepest cash gap

Stressed cash needed + buffer—Compared with your capital limit

Liquidity over time

Net cash if every month finishes at uniform progress; month 0 includes advance.

Base Stress

Negative balance means additional funding is required. The timeline extends until modeled retention is released.

Bid red flags

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Month-by-month cash ledger

Receipts and expenses are modeled in the same month; all figures are rounded only for display.

Month	Client receipts ₹	Costs paid ₹	Base balance ₹	Stress balance ₹

HOW THE MODEL WORKS / READ BEFORE RELYING ON IT

Profit is not liquidity.

1. Margin by line

Every BOQ amount is quantity × quoted unit rate. Estimated direct cost is quantity × cost rate. Negative-margin lines and cost-heavy items are called out before you submit a bid.

2. Timing matters

For illustration, the model spreads work and cost uniformly over the project. Monthly bills are collected after your selected client delay, net of modeled retention, TDS withholding and advance recovery. Retention is released separately after completion.

3. Funding beats paper profit

The lowest cumulative cash balance determines the peak base funding gap. Stress adds the chosen cost overrun and extra client delay. You compare that funding need (plus buffer) with money you can actually access.

4. Keep deductions distinct

TDS withholding is tracked as a cash deduction, not a final income-tax expense. TDS recovery is not modeled. GST cash flows, financing interest, advance guarantees, labour/vendor-specific terms and retention disputes are excluded: confirm them separately.

Important limitations: This is a simplified educational scenario, not engineering certification, a bid recommendation, accounting, legal or tax advice. It assumes an even monthly work curve, the same supplier credit timing for all direct costs, no GST, no financing charges, no performance guarantee margin, full collection of billed amounts and full retention release at the date entered. Real contract terms can materially change results. Do not use it as the sole basis for a tender.