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Table of Contents
What Is MCBTP™ (Minimum Cash Balance to Protect)?
MCBTP™ — or Minimum Cash Balance to Protect — is a proprietary cash control metric created by Shishir Khadka, defining the minimum cash your dental practice must hold at any given time to avoid financial timing risk.
Unlike a general “cash buffer” that uses rough rules of thumb (e.g. 3 months of costs), MCBTP™ is precision-calculated:
MCBTP™ = Next 4 Weeks of Committed Outflows + Safety Margin for Unknowns
It’s the amount of money your business must not fall below — or else you’re exposed to late payroll, missed HMRC payments, or unsafe dividend drawings.
📍Learn more: ShishirKhadka.com
Why MCBTP™ Matters for Dental Practice Owners ?
Most dentists look at the bank balance today and assume it’s available to spend.
But your balance may look healthy until it’s not — especially with future-dated outflows (e.g., payroll, clawbacks, supplier bills, VAT).
MCBTP™ ensures:
- You never confuse visible cash with usable cash
- You avoid accidental overdrafts
- You confidently make decisions without spreadsheet panic
Example:
| Cash in Bank | £72,000
| Next 4 Weeks Outflows | £51,000
| Safety Margin | £10,000
| ✅ MCBTP™ | £61,000
| Available Cash | £11,000
→ Spend more than £11K, and you risk dipping into core protection.
What Drives MCBTP™?
| Factor | Impact on MCBTP™ |
| Fixed Payroll Dates | Increases requirement |
| Upcoming Corporation Tax | Must be pre-funded |
| Deferred Income or Deposits | Not counted as usable cash |
| Refund Risk / NHS Clawback | Requires margin buffer |
| Planned Equipment or Associate Hiring | Should not breach MCBTP™ |
DentPulse calculates and updates MCBTP™ automatically every 24 hours.
How DentPulse Tracks MCBTP™ Automatically
| Feature | Function |
| MCBTP™ Dashboard Widget | Always shows safe vs excess cash |
| Cash Dip Alerts | Flags if forecast breaches MCBTP™ |
| CFFP™ Integration | Ensures 13-week pairing respects minimum threshold |
| PPP™ Drawing Warnings | Prevents personal withdrawals that breach MCBTP™ |
| 12-Week Buffer Overlay | Aligns medium-term buffer to short-term protection |
MCBTP™ is the foundation layer of financial protection inside DentPulse.
DentPulse Tip™
MCBTP™ is your red line.
Drop below it — and everything else is at risk.
DentPulse doesn’t just show you the balance.
It shows what’s truly safe.
Related Glossary Terms
- CFFP™ – Cash Flow Future Pairing – Predicts if future events will breach MCBTP™
- PTP™ – Profit-to-Pocket – Blocks drawings that cross MCBTP™
- Cash Flow Gap – Can breach MCBTP™ if not managed
- Deferred Income – Excluded from available cash
- Working Capital – Broader, but includes elements MCBTP™ isolates
Glossary Summary Table
| Term | Meaning |
| MCBTP™ | Minimum Cash Balance to Protect — the lowest safe cash threshold |
| Created by | Shishir Khadka – ShishirKhadka.com |
| Purpose | Prevent timing-based cash crises and unsafe spending |
| DentPulse Advantage | Tracks MCBTP™ in real time and blocks risky decision |
ABOUT THE AUTHOR
Shishir Khadka