Cash Flow Forecast Template | The Construction CFO
For Commercial Subcontractors

YOU'RE BUSY.
YOU'RE BILLING.
FRIDAY'S STILL CLOSE.

Most commercial subs find out they're in trouble on a Friday, when payroll's due and the account doesn't have it. This spreadsheet shows you the week your cash goes negative before it happens.

$49 One-time · Yours to keep
Sound Familiar?

THE PROFITABLE-BUT-BROKE PROBLEM

You're not losing jobs. Revenue looks fine on paper. But every other week you're doing one of these:

📞
Calling the GC to push a payment
You've done it more than once this year. It works, until the GC gets tired of hearing it.
💳
Maxing out the line of credit
For payroll. Not for growth. Just to get through the week and start the cycle over.
🤝
Borrowing from family or a partner
Nobody talks about this one out loud. It happens more than anyone admits.
📋
Short-paying a vendor to cover crew
Then spending three weeks managing that relationship and playing defense on materials.
What's Inside

ONE SPREADSHEET.
THREE VIEWS THAT MATTER.

01
Overhead Calculator
Know exactly what it costs to keep your doors open every month before you bid another job.
02
13-Week Cash Flow
Week-by-week. See exactly when money comes in and out. Spot the gap weeks before it hits.
03
24-Month Forecast
Zoom out. See what growth does to your cash position and plan, not react.
04
30-Min Guided Video
Josh walks every line live on screen. Filled out, making sense, under an hour.
Results

REAL SUBS. REAL NUMBERS.

$4.9M Commercial Sub Turned Around
$6.7M Civil Sub Stabilized
5+ Trades Using This System

"We were doing good revenue and still scrambling every other Friday. Once we mapped out the 13 weeks, we saw a $60K gap coming three weeks out. We had time to fix it. That never would've happened before."

$4.9M Commercial Subcontractor, SPM Client

"I thought my cash flow problem was a revenue problem. It wasn't. It was a timing problem. The forecast showed me exactly what was happening and I stopped guessing."

$6.7M Civil Subcontractor, SPM Client
How It Works

FROM ZERO TO FORECAST
IN UNDER AN HOUR.

1
Buy & Download Instantly
Spreadsheet and video link land right after checkout. No account. No waiting.
2
Watch the 30-Minute Walkthrough
Josh fills it out live. You follow with your numbers. Every line explained in plain English.
3
See Your 13-Week Cash Position
You'll know which weeks are tight, weeks before they happen. Not the Friday they arrive.
4
Stop Reacting. Start Planning.
Collect faster, push a payment, or tap your line before you're scrambling. You have time.
What Comes Next

THE TEMPLATE IS STEP ONE.

Most subs keep it at $49 and it changes how they run. Some want to go further.

Start Here
$49
Forecast Template
Spreadsheet + 30-min guided video. Do it yourself. Own it forever.
Next Step
$500
Done-With-You Session
We fill it out with you live. Walk away with a completed forecast built on your real numbers.
Full Solution
Custom
Full SPM Engagement
Job costing, WIP, bookkeeping, monthly CFO meetings. Cash flow handled, run your business in 5 hrs/month.

STOP FINDING OUT
ON FRIDAYS.

$49 gets you the spreadsheet, the video, and the ability to see your cash position 13 weeks out, starting tonight.

$47.00

13-Week Cash Flow Forecast Spreadsheet

Most subcontractors find out about a cash problem on Thursday night before Friday payroll. This forecast shows you 8 weeks out.

Built specifically for commercial subcontractors doing $1M–$12M. Enter your active projects, pay app dates, payroll schedule, vendor payments, and LOC balance and see your projected cash position week by week for the next 13 weeks.

What's included:

  • 13-Week Cash Flow Forecast tab week-by-week cash balance with income and expense mapping

  • Overhead Calculator tab find your real overhead rate before it costs you on every bid

  • 24-Month Cash Flow Forecast tab long-range view for planning new project starts and LOC sizing

  • "Don't Let Cash Go Below" floor set your minimum cash balance and the sheet flags when you're approaching it

  • How To Use tab setup walkthrough so you're operational in under an hour

Instant download. Update it monthly in under an hour once it's built. No subscription, no login, no software required just Excel.

$47.00

13-Week Cash Flow Forecast Spreadsheet

Most subcontractors find out about a cash problem on Thursday night before Friday payroll. This forecast shows you 8 weeks out.

Built specifically for commercial subcontractors doing $1M–$12M. Enter your active projects, pay app dates, payroll schedule, vendor payments, and LOC balance and see your projected cash position week by week for the next 13 weeks.

What's included:

  • 13-Week Cash Flow Forecast tab week-by-week cash balance with income and expense mapping

  • Overhead Calculator tab find your real overhead rate before it costs you on every bid

  • 24-Month Cash Flow Forecast tab long-range view for planning new project starts and LOC sizing

  • "Don't Let Cash Go Below" floor set your minimum cash balance and the sheet flags when you're approaching it

  • How To Use tab setup walkthrough so you're operational in under an hour

Instant download. Update it monthly in under an hour once it's built. No subscription, no login, no software required just Excel.