The SPM Financial Diagnostic is a paid 90 minute working session for $497, one time, with nothing recurring attached. You bring your bank balances, your open invoices, your payroll schedule and the bills you know are coming. In the session your 13-week cash flow forecast template gets built with those numbers in it, the places your cash is getting stuck get identified, and your billing and collection approach gets corrected while you're on the call. You leave with a working forecast and the changes already made, whether or not you ever become a client.
This is the paid session. It's a different thing from the 20 minute call, which runs 20 minutes, costs nothing, and exists to tell you what's wrong. If you don't yet know whether your problem is cash timing, job costing or overhead, start there and spend nothing.
BUY THE SESSION
$497, ONE TIME. 90 MINUTES.
Payment goes through Stripe. Card details never touch this site. The moment it clears you get the template download and the link to book your session, on the confirmation page and again by email, so closing the tab costs you nothing.
ONE TIME CHARGENOTHING RECURRINGMICROSOFT TEAMS
Would rather talk first? The 20 minute call is the right place to start, and Josh will tell you on it whether this session is worth buying.
WHAT YOU GET
A FORECAST WITH YOUR OWN NUMBERS IN IT.
A blank spreadsheet isn't a forecast, which is the reason most cash flow templates get downloaded once and never opened again. The template is included here, and the 90 minutes are spent filling it in from your accounts while somebody who has read a few hundred of these tells you which cells are lying to you.
The 13-Week Cash Flow Forecast Template, downloadable straight after payment and re-downloadable from a link that doesn't expire
A 90 minute working session where the forecast gets filled in with your real numbers rather than delivered blank
The billing and collection changes that come out of it, made during the call rather than written up afterwards
WHAT TO BRING
NINE THINGS. ROUGH IS FINE.
That's the whole bring-with-you list and it sits on this page on purpose, because at this price you should be able to weigh the cost in effort before you spend the money. None of it has to be right to the dollar and none of it needs a closed month behind it. Approximate numbers produce a useful forecast; waiting until your books are perfect produces nothing at all.
Current bank balances
Accounts receivable, meaning every open invoice
Your billing schedule and whatever is invoiced right now
Upcoming bills and expenses
Payroll amounts and the schedule they run on
Any large payment or deposit you know is coming
Which loans you carry, and what's owed on each
Working capital lines, with the rate and the limit on each
A working sense of your fixed costs, meaning rent, insurance and salaries
WHO THIS IS FOR
THE JOBS LOOK FINE. THE BANK DOES NOT.
Commercial subcontractors and self-performing general contractors whose schedule is full and whose bank balance doesn't reflect it. It looks the same nearly every time: the jobs read as profitable, the profit and loss reads as acceptable, and payroll week is still a question every time it comes around. That's a timing and visibility problem rather than a sales problem, and it's findable in one sitting because the money involved is money already earned.
It's the wrong purchase in two situations, and both are worth saying plainly. If your revenue problem is real, meaning there isn't enough work on the books to cover your overhead at any billing speed, a forecast will show you that faster than it will fix it. And if you want the whole financial function run for you rather than a session, buy the engagement instead: the rates are published on the pricing page by revenue band, and onboarding is 60 days.
$10.7M+
Client AR Recovered Since 2023
48
Active Trade Specializations
60 DAYS
Average Onboarding Time
COMMON QUESTIONS
BEFORE YOU BUY IT.
A paid 90 minute working session on your cash, for $497 one time. You bring your balances, your open invoices and your payroll schedule, and the 90 minutes are spent building your 13-week cash flow forecast template with your real numbers in it and changing how you bill and collect. It's not a consultation that ends in a proposal, and it's not the 20 minute call. The 20 minute call is 20 minutes and it tells you what's wrong. This one fixes the cash side while you're on it.
Because they do different work. The 20 minute call is a conversation: Josh asks questions, finds the structural problem, and tells you what it is, and it costs you nothing because it costs him twenty minutes. This session is 90 minutes of building, and you leave with a forecast populated from your own accounts and billing changes already made. Charging for it's also what keeps it available: a free 90 minute working session would be booked by people who want free work rather than by people who want their cash fixed.
The 13-Week Cash Flow Forecast Template, downloadable straight after payment and re-downloadable from a link that doesn't expire. A 90 minute working session where the forecast gets filled in with your real numbers rather than delivered blank. The billing and collection changes that come out of it, made during the call rather than written up afterwards. The download link doesn't expire, so a newer build of the template is still reachable from it months later.
No, and most people who buy this don't. It's a one time purchase with nothing recurring attached and no obligation on either side afterwards. If it turns out you want the whole function run for you, the monthly engagement is published on the pricing page with every band on it, and onboarding runs 60 days. If you don't, you still keep the forecast and the changes.
Stripe takes the payment and sends you straight to a confirmation page carrying your template download and the scheduling link for the session. The same two things come by email, so closing the tab costs you nothing. Book whatever time suits you and fill in the template beforehand with whatever numbers you already have. Rough is fine.
Yes. A tidy set of books isn't a prerequisite, because the session works from bank balances, open invoices, payroll and upcoming bills rather than from a closed month. If your accounting is far enough behind that you can't answer what you're owed right now, say so on the call and that becomes the first thing addressed.
Former commercial project manager and master electrician: 150+ projects worth $2.1B combined, from $50,000 to $300M. Now fractional CFO to commercial subcontractors.
Twenty minutes, no charge, and Josh will tell you whether this session is the right thing to buy or whether something else is the real problem. He will say so either way.
You don't hire a CFO because it's safe, you do it because the real risk isn't having one.
