Payment protectionDetails
- Revisions within the package are free.
- If you do not respond within 3 days of delivery, the work is accepted automatically.
The money is reserved when you pay and released only once you accept the work.
Example result
12-month forecast: a coffee kiosk at a ferry terminal
Key assumptions
| Assumption | Value | Source |
|---|---|---|
| Average check | $6.50 | Owner's menu |
| Ingredients and cup per sale | $1.90 | Supplier price list |
| Card fees | 2.5% of revenue ($0.16) | Payment terminal tariff |
| Fixed costs per month | $9,000 | Rent $1,800, staff $6,400, utilities $350, other $450 |
| Start-up spend | $38,000 | Machine and grinders, fit-out, opening stock |
| Loan repayment | $600 per month | Loan offer |
Unit economics
- Revenue per cup: $6.50
- Variable cost per cup: $2.06
- Contribution per cup: $4.44 (68% margin)
Break-even point
$9,000 ÷ $4.44 = 2,027 cups a month, about 68 cups a day over 30 days. The forecast reaches it in month 3.
Monthly forecast
| Month | Cups sold | Revenue, $ | Profit, $ | Cash at month end, $ |
|---|---|---|---|---|
| 1 | 1,500 | 9,750 | −2,340 | 4,060 |
| 2 | 1,900 | 12,350 | −564 | 2,896 |
| 3 | 2,300 | 14,950 | 1,212 | 3,508 |
| 4 | 2,600 | 16,900 | 2,544 | 5,452 |
| 5 | 2,900 | 18,850 | 3,876 | 8,728 |
| 6 | 3,100 | 20,150 | 4,764 | 12,892 |
| 7 | 3,300 | 21,450 | 5,652 | 17,944 |
| 8 | 3,300 | 21,450 | 5,652 | 22,996 |
| 9 | 3,100 | 20,150 | 4,764 | 27,160 |
| 10 | 2,900 | 18,850 | 3,876 | 30,436 |
| 11 | 2,800 | 18,200 | 3,432 | 33,268 |
| 12 | 3,000 | 19,500 | 4,320 | 36,988 |
Year 1 totals: revenue $212,550, operating profit $37,188, cash at year end $36,988.
What the numbers say
- Months 1–2 are the tight spot. Cash drops to about $2,900 in month 2. Keep at least $3,000 in reserve or delay one hire until month 3.
- Summer carries the year. Months 5–9 bring about two-thirds of annual profit, so plan marketing and staff holidays around them.
- Price matters more than volume. Raising the average check by $0.50 lifts year 1 profit by about $16,900; selling 10% more cups adds about $15,000.
- Payback. At the current pace, the $38,000 start-up spend is covered in roughly 13 months.
All formulas are live in the Excel file: change any yellow cell on the Assumptions sheet and every month updates.
Client: Morning Dock, a coffee kiosk opening in March at a commuter ferry terminal. Owner's investment $25,000 plus a $20,000 equipment loan.
The client and all details are made up.
About this service
Builders and trades often run out of cash while busy, because materials, crews and subcontractors are paid weeks before the client's stage payment arrives and 5 to 10% may be held back as retention. We map each job's milestones, deposits, payment terms and retention against your payroll, materials, equipment and van costs, and show the weeks when the account dips below zero. You see how much working capital you need and which payment terms would close the gap.
What is included
- What you getCash flow tables by week or month with job-by-job inflows, costs, cash gaps and the reserve you need, plus a short summary, as text and as an .xlsx file with values (no live formulas). This is a planning estimate, not financial, tax or investment advice.
- Job-by-job inflowsDeposits, stages and retention
- Cash gaps flaggedWeeks when the balance goes negative
- Materials timingUpfront buys vs client payments
- Working capital needThe reserve that keeps crews paid
- Seasonal slowdownWinter or rainy months built in
How it works
- 1BriefYou list jobs, terms and costs
- 2CalculationWe schedule every payment in and out
- 3DeliveryYou get tables, .xlsx and a summary
What we need from you
Your current and planned jobs with contract values, stage payments, deposits, retention and payment delays, plus crew, materials, subcontractor, equipment and overhead costs. You can attach a job list or an estimate as Excel, Word or a PDF with a text layer.
We will ask you:
- What kind of work do you do?
- How do clients pay you?
- Which jobs are booked and which are likely?
- What do you pay each month regardless of work?
Compare packages
| Packages | BasicOne job cash check$19 | Standard12-month cash flow$39 | Premium18 months, 3 scenarios$79 |
|---|---|---|---|
| Deadline | 1 day | 2 days | 4 days |
| Revisions | 1 | 2 | 3 |
| Period | one job, start to handover | 12 months | 18 months |
| Breakdown | by week | by month | by month |
| Scenarios | 1 | 1 | 3 |
| Excel file (.xlsx) | Yes | Yes | Yes |
| Order Basic | Order Standard | Order Premium |
Payment protection
You pay when you order, but the money is released only for accepted work.
- Fixed priceThe package price does not change after you pay.
- The money is reservedWhen you pay, the amount is only reserved. It is released to the service once you accept the work.
- Checked before deliveryEvery result goes through a quality check before it reaches you, and you see it on the order page before accepting it.
- Free revisionsAsk for changes within your brief as many times as the package allows.
- Acceptance after 3 daysIf within 3 days of delivery you neither accept the work nor ask for changes, it is accepted automatically. If you write in the order chat after delivery, the order waits; once we answer, we may start the 3 days again and will say so in the chat.
- Redo or a full refundIf the result does not match your brief and the revisions did not fix it, or the work takes more than twice its deadline, write in the order chat: we will redo the work or refund the payment in full.
Questions and answers
Is this financial advice?
No. It is an estimate from the numbers you give us. Show it to your accountant before taking a loan or signing big contracts.
Can you work from my estimate or job list?
Yes. Attach Excel, Word or a PDF with selectable text. Scanned or photographed pages cannot be read, so type key numbers into the brief instead.
Will the .xlsx file recalculate if I change a number?
No, it holds values only, without live formulas. The assumptions are listed so you can rebuild the sums or ask us to recalculate within your revisions.