Every Cash Problem Starts With a Decision

You just didn’t see the impact in time.

Home-service owners don’t run out of cash because they’re reckless.

They run out of cash because they make reasonable decisions… blind.

• Hiring feels right.
• Taking the job feels smart.
• Buying equipment feels necessary.
• Discounting feels strategic.

And every one of those decisions makes sense on its own.

The problem is what happens after.

Cash tightens. Payroll becomes stressful. Timing gets uncomfortable.

And the question shows up too late:

“Why does this keep happening?”

The Real Problem Isn’t Cash

It's decision impact you can’t see.

Most tools tell you what already happened.

Bank balance.
Monthly totals.
Last month’s performance.

None of that helps when you’re deciding what to do next.

What owners actually need is simple:

“If I make this decision, what happens to my cash?”

Hire someone.
Take on more work.
Buy equipment.
Increase expenses.
Wait for deposits.

Right now, those decisions are made on instinct. That’s expensive.

This Is Not a Cash Tracker

It’s a Decision Simulator.

This Cash Flow Forecast was built for one reason: To let you test decisions before they cost you.

Instead of guessing, hoping, or waiting for surprises, you can now see:

• What happens to cash before payroll hits
• How long your cash lasts if revenue slips
• Whether growth helps or hurts right now
• When hiring actually becomes safe
• Which months look busy but go cash-negative

You don’t just see cash. You see cause and effect.

What Owners Discover When They Use It

Once decisions are simulated honestly, patterns become obvious:

• “Busy” months still drain cash
• Payroll grows faster than deposits
• Equipment purchases tighten cash for months
• Hiring too early creates stress, not relief
• Growth without timing planning makes things worse

Not because the business is failing.

But because decisions were made without visibility.

Built for How Service Businesses Really Operate

This tool is designed specifically for home-service businesses under $5M:

• Landscaping & lawn care
• HVAC
• Plumbing
• Electrical
• Construction & trades

If you manage payroll, expenses, or growth decisions — this fits.

What You Get

• A standalone Cash Flow Decision Simulator
• Delivered as a Google Sheets template
• Simple, editable, fast
• Lifetime access

No software.
No subscriptions.
No dashboards.

How It Works

1. Make a copy of the file
2. Enter your real numbers
   • Starting cash
   • Revenue timing
   • Fixed and variable expenses
   • One-time decisions
3. Watch future cash update instantly

Change one decision. See the result.

Important Reality Check

This tool doesn’t lie.

If numbers are optimistic, the forecast will be too.
If inputs are honest, clarity shows up fast.

Garbage in = garbage out.

Click “I Want This” To Simulate Decisions Before They Hit Your Bank Account.

Make moves with clarity not hope.