CASH FLOW TOOLS · COMMERCIAL SUBCONTRACTORS $1M–$12M

CASH FLOW TOOLS — BUILT FOR SUBCONTRACTORS.

WHAT THIS IS

Two tools that give commercial subcontractors visibility into their cash position 13 weeks out — so payroll stress, maxed credit lines, and Friday morning bank-balance checks become problems you see coming instead of crises you react to. Pick the level of help you need: build it yourself or build it live with Josh using your actual numbers.

Most subcontractors manage cash by watching the bank balance. That works until it does not — and when it stops working it usually stops on a Thursday night before a $47K payroll Friday. A 13-week cash flow forecast puts you 8 weeks ahead of that moment. These tools exist because most contractors have never had one built for their specific business.

TOOL 01
13-Week Cash Flow Forecast Spreadsheet
A pre-built spreadsheet purpose-built for commercial subcontractors. Enter your active projects, pay app schedule, payroll cycle, vendor payments, and LOC balance. See your projected cash position week by week for the next 13 weeks. Includes the overhead calculator and 24-month forecast tabs. Instant download — update it monthly in under an hour.
INSTANT DOWNLOAD · DO IT YOURSELF
TOOL 02
13-Week Forecast — Done With You
A live working session where Josh builds your 13-week cash flow forecast using your actual numbers — your specific projects, your pay app dates, your payroll cycle, your LOC terms, your vendor payment schedule. You walk away with a completed, working forecast and the process to update it every month. Not a template. Your actual business.
LIVE SESSION · YOUR ACTUAL NUMBERS
↓ SELECT YOUR TOOL BELOW ↓

Cash Flow Tools

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WHAT'S INSIDE THE SPREADSHEET

SEE THE PROBLEM BEFORE IT HITS CASH.

The forecast shows your cash balance week by week. Red cells mean you are going negative — weeks before it happens. That is the window to act: collect a receivable, delay a vendor payment, draw on the LOC. Without the forecast, you find out on Friday morning.

THE TOOL — THREE TABS
13-week cash flow forecast showing red negative cash weeks identified 6 weeks early
⚠ PROBLEM IDENTIFIED 6 WEEKS EARLY
Red Cells = Cash Crisis Coming
Weeks 5, 9, 10 going negative — visible now, not on payday
Overhead calculator tab showing fixed costs and real overhead rate
Overhead Calculator Included
Find your real overhead rate before it costs you on every bid
Client cash flow forecast showing healthy growing cash balance after collections
✓ REAL CLIENT — AFTER CFOS
Real Client Result
Cash floor $7,500 → $786K in 8 weeks as collections hit
DONE WITH YOU — WHAT THE SESSION LOOKS LIKE

YOUR NUMBERS. BUILT LIVE WITH JOSH.

The Done With You session is not a demo of the spreadsheet. Josh shares his screen and builds your forecast using your actual project list, your pay app dates, your payroll cycle, and your LOC terms. You watch it populate in real time and leave with a working forecast specific to your business.

THE SESSION — WHAT GETS BUILT
Completed 13-week cash flow forecast with projects and overhead mapped out
Your Forecast at Session End
Projects, payroll, vendors — all mapped to your actual schedule
Overhead calculator built with real business fixed costs during done with you session
BUILT WITH YOUR NUMBERS
Overhead Built In Session
Real overhead rate calculated — feeds directly into the forecast
Josh Luebker — fractional CFO building cash flow forecast with subcontractor
Josh Luebker — Live With You
Former PM, master electrician, $300M+ in projects. Now fractional CFO.
HOW IT WORKS

BUY. ACCESS. USE IT THIS WEEK.

01
Pick Your Tool
Spreadsheet if you want to build it yourself and understand the structure. Done With You if you want Josh to build it with your actual numbers — your projects, your payroll cycle, your LOC — in a live 60–90 minute session.
02
Get Access
Spreadsheet downloads immediately after purchase. Done With You session is scheduled within 48 hours — you will receive a booking link to pick your time slot. Before the session, send your project list and current LOC balance.
03
See Your Cash Position
Within one session or one hour of setup, you will have a working 13-week forecast showing projected bank balance week by week. Cash problems visible 8 weeks out. Update it monthly in under an hour.
04
Stop Managing by Bank Balance
The week you stop checking the account Thursday night before Friday payroll is the week the forecast is working. That is the only metric that matters.
WHO IT IS FOR

IF ANY OF THESE SOUND FAMILIAR — YOU NEED THIS.

YOU MANAGE CASH BY BANK BALANCE
Checking the account Thursday night before Friday payroll. Hoping a check that was supposed to come in did come in. Making vendor payment decisions based on what is in the account right now — not what is expected in the next 6 weeks.
YOUR LOC USAGE IS UNPREDICTABLE
Some months you draw, some months you pay down, but you cannot predict which it will be three weeks out. The line of credit is a surprise buffer instead of a planned tool.
YOU HAVE PROFITABLE JOBS AND TIGHT CASH
The work is good. The margins look okay. But cash is always tighter than it should be. The answer is almost always billing timing — when pay apps go out vs when payroll and vendors are due.
YOU WANT TO GROW BUT CAN'T SEE THE CAPITAL
A new project requires mobilization cash 60 days before first payment. Without a forecast, you do not know whether you have the working capital to fund it before you sign the contract.
COMMON QUESTIONS

FREQUENTLY ASKED.

A 13-week cash flow forecast maps every expected cash inflow and outflow — pay app collections, payroll, vendor payments, LOC draws — week by week for the next 13 weeks. It shows your projected cash balance at the end of each week so cash problems are visible 8 weeks before they hit the bank account instead of on Friday morning. 13 weeks covers one full billing and collection cycle for most commercial subcontracts.
The spreadsheet is a pre-built template you download and populate yourself — your projects, your dates, your amounts. The Done With You session is a live 60–90 minute working session where Josh builds the forecast with you using your actual numbers. You share your project list beforehand, Josh maps everything on screen, and you walk away with a completed working forecast — not a blank template to figure out yourself.
Three things: your active project list with expected pay app dates and amounts, your payroll schedule and weekly payroll amount, and your current LOC balance and limit. Everything else gets built in the session. If you have vendor payment schedules or loan payment dates, bring those too — but the three above are the minimum to get a working forecast built.
Monthly, after your books close. Roll it forward 4 weeks, update pay app expected dates for the current billing cycle, refresh payroll and vendor timing. A monthly update takes 30–60 minutes once the forecast is built. The value is the 8-week visibility trend — a forecast updated monthly is dramatically more useful than a bank balance check that tells you what happened last week.
No. These tools are standalone products available to any commercial subcontractor. No ongoing engagement required. If you go through the Done With You session and decide you want ongoing CFOS support, that conversation is available — but there is no pitch and no obligation. You paid for the session. You get the session.
Josh Luebker — The Construction CFO
Josh Luebker
Fractional CFO · The Construction CFO
Former commercial construction project manager and master electrician. Managed 150+ projects totaling $300M+ including Google data centers, military bases, hospitals, and high-rises. Now fractional CFO for commercial subcontractors doing $1M–$12M through Sulphur Prairie Management. About Josh →  |  LinkedIn →

NOT SURE WHICH TOOL YOU NEED?

Book a free 30-minute diagnostic. We will tell you exactly where your cash problem is coming from and which tool or next step makes the most sense.

BOOK A FREE DIAGNOSTIC →
30 minutes. Free. No sales pressure.

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