Capital Allocation Advisor

Rank competing uses of capital, reinvestment, M&A, debt paydown, buyback, dividend or cash buffer, by their spread over the cost of capital, with leverage and liquidity gates applied first.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. A ranking framework orders choices, it does not make them safe: projects can miss their projected returns, buybacks above intrinsic value destroy value, and there is a real risk of loss in any deployment of capital, with no promise of return on any use ranked here. Curated by Skill Harbor: the capital allocation advisor skill at the root of andreworia/claude-finance-skills. Use it when a CFO or board must decide how to deploy available capital across competing uses: an annual capital plan, a windfall or asset sale that frees up cash, or a buyback versus dividend versus debt paydown debate. It is allocation across the whole capital base, not the standalone valuation of one acquisition target. The method sizes the allocable pool first (only surplus capital counts: beginning cash plus projected free cash flow, minus the minimum operating cash floor and committed outflows, over a stated 12 to 24 month horizon), sets one common hurdle by estimating WACC from market value weights, then estimates the marginal return on each use on a like for like basis: project ROIC for reinvestment, post-synergy ROIC with an execution haircut for M&A, the after-tax interest rate retired for debt paydown, the earnings or free cash flow yield for a buyback (with the explicit warning that buying back above intrinsic value destroys value whatever the optical EPS accretion), payout and signaling value for a dividend, and the opportunity cost of a cash buffer held for liquidity insurance. Constraints are applied as hard gates before any ranking, never as notes after it: the leverage target, the liquidity floor, covenant headroom and any credit rating threshold. Surviving uses are ranked by spread over the hurdle, ties are broken on strategic fit, durability and reversibility, allocation stops when the marginal spread turns negative, and the output closes with the resulting leverage and liquidity plus the two or three trigger values that would flip the ranking. From the andreworia/claude-finance-skills repository (MIT). Honest caveats: the cash forecast, debt schedule, project returns and synergy estimates are yours to supply and to verify; the skill states plainly to ask for any missing item and never to invent a coupon, a valuation or a synergy figure. Skill Harbor never reviews the code, review it yourself before use.

At a glance

What: Rank competing uses of capital, reinvestment, M&A, debt paydown, buyback, dividend or cash buffer, by their spread over the cost of capital, with leverage and liquidity gates applied first.
Cost: Free
Needs: Use "Capital Allocation Advisor" with your Muse.
Install: Copy the installer prompt below into your Muse — your agent does the rest.

⚠️ **Finance warning / Avertissement finance** : informational only, not investment advice. A ranking framework orders choices, it does not make them safe: projects can miss their projected returns, buybacks above intrinsic value destroy value, and there is a real risk of loss in any deployment of capital, with no promise of return on any use ranked here. Curated by Skill Harbor: the capital allocation advisor skill at the root of andreworia/claude-finance-skills. Use it when a CFO or board must decide how to deploy available capital across competing uses: an annual capital plan, a windfall or asset sale that frees up cash, or a buyback versus dividend versus debt paydown debate. It is allocation across the whole capital base, not the standalone valuation of one acquisition target. The method sizes the allocable pool first (only surplus capital counts: beginning cash plus projected free cash flow, minus the minimum operating cash floor and committed outflows, over a stated 12 to 24 month horizon), sets one common hurdle by estimating WACC from market value weights, then estimates the marginal return on each use on a like for like basis: project ROIC for reinvestment, post-synergy ROIC with an execution haircut for M&A, the after-tax interest rate retired for debt paydown, the earnings or free cash flow yield for a buyback (with the explicit warning that buying back above intrinsic value destroys value whatever the optical EPS accretion), payout and signaling value for a dividend, and the opportunity cost of a cash buffer held for liquidity insurance. Constraints are applied as hard gates before any ranking, never as notes after it: the leverage target, the liquidity floor, covenant headroom and any credit rating threshold. Surviving uses are ranked by spread over the hurdle, ties are broken on strategic fit, durability and reversibility, allocation stops when the marginal spread turns negative, and the output closes with the resulting leverage and liquidity plus the two or three trigger values that would flip the ranking. From the andreworia/claude-finance-skills repository (MIT). Honest caveats: the cash forecast, debt schedule, project returns and synergy estimates are yours to supply and to verify; the skill states plainly to ask for any missing item and never to invent a coupon, a valuation or a synergy figure. Skill Harbor never reviews the code, review it yourself before use.

Version:

a

Created by: andreworia

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Install — Free · open source (MIT) View source code

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Install

Copy the install package below, then paste it into Muse

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After installation, ask me if I want to leave private feedback
Private for now: only the Skill Harbor team sees it. Sellers may be looped in later.

Use "Capital Allocation Advisor" with your Muse. Prerequisites: the cash balance and free cash flow forecast, the minimum operating cash floor, the debt schedule with coupons, maturities and covenants, current and target leverage, the tax rate, capital structure weights and cost of equity inputs, candidate projects with expected returns, any M&A pipeline with prices and synergy estimates, and the share price, share count and current dividend policy. No account and no credentials are involved: this skill produces a ranked allocation memo only, and every figure in it is an assumption to verify. Informational only, not investment advice. 1. Open the skill: https://github.com/andreworia/claude-finance-skills/blob/main/skills/capital-allocation-advisor/SKILL.md and copy the full SKILL.md text. 2. Paste it into a chat with Muse and add: "Allocate this pool: size the allocable capital after the cash floor and committed outflows, set the WACC hurdle, estimate the marginal return of each use on a like for like basis, apply the leverage, liquidity and covenant gates before ranking, rank by spread, recommend an allocation that stops when the spread turns negative, and name the triggers that would change the order." 3. Check the gates before the ranking: any use that breaches the leverage target or the liquidity floor should have been capped or removed, not ranked and waved through. Tip: bring the real covenant levels, not approximations; headroom is often the binding reason debt paydown wins over a higher spread project. Safety: a skill is plain-text instructions; it runs nothing by itself. Analysis and documents only, no orders and no account access. Informational only, not investment advice.

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