FREE WORKBOOK
13-Week Cash Flow for Trades
Built around stage payments and retention rather than weekly payouts, because that is how construction money actually arrives.
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Who this workbook is for
Builders whose profit and loss looks fine and whose bank balance does not, and who cannot see the week it goes wrong until it has.
Wages go out weekly and money does not come in weekly
Payroll and materials leave every week without fail. Stage payments arrive when a valuation is certified and then paid, which on most contracts is four to eight weeks after the work was done. On the worked figures £8,200 goes out every week against payments landing in weeks 2, 5, 9 and 12.
You want to see the bad week before you get to it
The demo year runs £16,100 negative in week 8 and spends seven of the thirteen weeks in the red, on a book that is perfectly profitable. No profit and loss will ever show you that. Thirteen weeks is long enough to see a stage payment arrive and short enough that you can still do something about it.
You need to arrange a facility before you need it
The sheet works out the largest hole rather than the closing balance, because that is the number a bank asks for. You have three levers and they take different amounts of notice: bring an application forward, delay a materials order, or arrange the borrowing. The third takes a month.
