Cash planning

Make the Call Before Cash Gets Tight

Forward-looking cash planning so payroll, equipment, taxes, and growth decisions run on real numbers, not a hunch about what's in the account.

What you get

A Forecast That Shows You What's Coming

We map your cash forward so the next payroll, the next purchase, and the next tax bill are all on the same page, weeks before they land.

  • Forward Cash Forecast

    A rolling view of the next several weeks plus the seasonal swings ahead. You see the tight stretches early, while there's still time to do something about them.

  • Payroll & Bill Timing Mapped Out

    Every payroll run and major bill placed on the calendar against expected deposits. You know which weeks are comfortable and which ones need a draw or a deposit to clear.

  • Equipment & Truck Purchase Planning

    Before you sign for a new truck or a piece of equipment, we run it against the forecast. You see the cash hit, the timing, and how it lines up with Section 179 at year-end.

  • Retainage & Receivable Timing Tracked

    Retainage held on each job and the real age of your receivables, tracked so you know when that money actually shows up. No more counting cash you won't see for 90 days.

  • Tax Set-Aside Built Into the Forecast

    Estimated payments and the year-end bill are reserved as the year runs, not discovered in April. The cash you owe the IRS isn't cash you spend on a job.

Why it matters

Profit on Paper Doesn't Make Payroll

A job can be profitable and still leave you short the week you have to pay the crew. Cash and profit are two different clocks.

You can run a margin a banker would envy and still sweat a Friday payroll. Profit shows up on the P&L the moment you bill a job. Cash shows up when the customer actually pays, and the gap between those two moments is where contractors get caught. Payroll clears every cycle no matter what a job still owes you. The crew doesn't wait on a slow GC.

Retainage and slow receivables are the usual culprits. Ten percent held across a few active jobs can tie up real money for months past completion, and a 60-day-slow customer turns a profitable quarter into a cash squeeze. When that money is tracked against the weeks you need it, you stop treating receivables you can't touch as cash you can spend.

The big moves are survivable when you see them coming. A new truck, a second crew, or a slow Florida summer: none of those have to sink you if the forecast flagged the cash hit before you committed. The same goes for taxes. Set-asides reserved through the year mean the Section 179 decision in December is a planning call, not a scramble to cover a bill you forgot was due.

Who we work with

Who This Is a Good Fit For

Cash planning earns its keep when the numbers are lumpy and the decisions are real. Here's where it fits.

  • You run a Florida construction or contracting business doing $1M–$5M a year and the cash side runs on instinct.
  • Your cash is lumpy or seasonal, with flush months and tight ones that never quite line up with the bills.
  • You're weighing a hire or an equipment purchase and want to know what it does to cash before you sign.
  • You're carrying retainage or slow AR and can't tell how much of your balance is money you can actually use.
  • You want to stop guessing whether payroll will clear and see the tight weeks before they arrive.
  • You're planning growth and want to fund it without walking into a cash crunch halfway through.

Wondering if you can afford the next move?

That's okay. You might just want to ask a few questions first and see if this makes sense. Book a quick call and we'll talk through your business and where the books stand. If we can help, we'll tell you what that looks like. If not, no worries.

We're accountants, not salespeople, so you won't feel pressured.

Book a free review call

Get started

Plan Cash Before You Commit

A free 30-minute review call with Ian. Tell us what's coming up, whether it's a hire, a truck, or a slow season, and we'll talk through how to see it before it hits. No pressure to sign up.

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