The Cash Flow and Profit Handbook
Finance · Nº 08
The Cash Flow and Profit Handbook
Why Your Business Sells Well and Still Has No Money Left, and How to Build the Cash Flow That Fixes It
You made a profit this year. So why does payroll week still make your stomach drop?
24 tools, a spreadsheet that does the math, and one example company worked through month by month, so you can see where the money went and what's coming due next.
You get 24 tools to build your cash flow from scratch, tell cash apart from profit, forecast the next 13 weeks, and work your way out of a squeeze. Plus a spreadsheet with 10 working tabs, already filled in with the example.
A book explains the method. This handbook puts it to work: the tool, a worked example, and a spreadsheet with your numbers.
One-time payment of $29.00. The order form shows the final amount, with any taxes for your country, before you pay.
Digital delivery: PDF handbook, spreadsheet and access on the Consylion platform.
14-day money-back guarantee: if it isn't what you expected, request a full refund within 14 days of purchase.
Your order is processed by Digistore24, our authorized reseller. By purchasing, you accept the terms of use and purchase · refund policy.
It's Thursday. Payroll goes out tomorrow. Your accountant says last year was profitable, and you believe it, sort of. But the bank balance doesn't. So you're doing math on the back of an invoice: which customer might pay this week, which supplier can wait, whether the card sales land in time. You sold well. You worked hard. And you still can't say where the money went.
THE SPREADSHEET
Cash flow and profit spreadsheet
Use the completed example as a reference and enter your business data in the marked fields. Check the instructions and the calculations before you make a decision.
SOUND FAMILIAR?
Three situations this handbook solves
Monday, before the phone starts ringing
You open the spreadsheet, update the 13-week forecast, and check five numbers. Ten minutes later you know which week is the tight one, while there's still time to do something about it.
A big customer wants a big contract on long terms
Before you sign, you run the numbers on growth and working capital. You see how much cash the deal ties up and decide whether to take it, change the payment terms, or line up the money first.
You've got your eye on a new machine
It pays for itself, sure. But can you pay for it now? You check the payback period, then drop the payment into the forecast and pick the month when your balance stays above the reserve.
INSIDE
What you'll find in each tool
Five parts, in the order you'll need them. Build your cash flow from scratch. Read your results on one page. Forecast 13 weeks and plan for slow months. Get out of a cash squeeze without panic. Then turn it all into a Monday check and a one-hour month-end close. Every tool has a step by step, a worked example, and a short exercise.
WHAT YOU GET
Everything included in your purchase
- The Cash Flow and Profit Handbook in PDF: 24 tools, each with a step by step, a worked example, and an exercise
- The cash flow and profit spreadsheet in Excel and Google Sheets, with 10 working tabs, filled in with the example company
- The Template kit: 9 ready-made texts, from the 24-category chart of accounts to collection messages and a Monday meeting agenda
- 2 worksheets to fill in (13-week cash forecast and month-end close) and a 30-day plan, one week per stage
- Access to your handbook on the Consylion platform
Full table of contents
The 24 tools, in the order you'll use them
Part 1 · Part 1 · Build your cash flow from scratch
- 01Cash is not profitFinally understand how a business can show a profit and still run out of money
- 02Simple chart of accounts24 categories that sort every dollar in and out, without an accounting degree
- 03The 5-minute daily logA small daily habit that keeps your numbers current
- 04Payables and receivablesA 30-day calendar that shows the hole before you step in it
- 05Bank reconciliationMake your spreadsheet match the bank, every week
Part 2 · Part 2 · Read your results
- 06One-page P<he month's revenue, costs, expenses, and profit on a single page
- 07Contribution marginSee how much each sale leaves to cover rent, payroll, and the rest of your overhead
- 08Minimum revenueKnow your break-even point and how much room you have each month
- 09True profitWhat's left after everything, including your own draw
- 10Where the money wentThe bridge from profit on paper to the balance in the bank, in about 30 minutes
Part 3 · Part 3 · Forecast and plan ahead
- 1113-week cash forecastYour next 90 days of cash, week by week, so you act before it gets tight
- 12Cash cycleHow many days your money sits in inventory and receivables before it comes back
- 13Working capitalHow much cash the operation ties up, and where that money should come from
- 14Growing without running out of cashHow fast you can grow on your own cash before you need outside money
- 15Annual set-asidesPut a little aside every month so the big once-a-year bills never land all at once
- 16Slow monthsA monthly index that shows the slow season coming before it arrives
- 17Cash reserveHow many days of expenses to save, where to keep them, and in what order to build them
Part 4 · Part 4 · Get out of a cash squeeze
- 18Cutting expensesWhat to cut first, and what you should never cut
- 19Receivables financingWhen getting paid early on card sales and invoices makes sense, and what it really costs
- 20Supplier payment termsBuy time on your bills without paying interest, and spot when an early-payment discount is worth it
- 21Collections sequenceCollect late payments without losing the customer, from first reminder to final notice
Part 5 · Part 5 · Decide by the numbers
- 22Weekly cash numbersThe five numbers to check every Monday morning
- 23How much you can investA simple rule for buying equipment without draining your cash
- 24Month-end closeOne hour a month, spreadsheet open, always in the same order
Who it's for
It's for you if
- Sales are good, but the money keeps disappearing and you can't explain where it went
- You make decisions by checking the bank balance and want to see the next 13 weeks instead
- You sell on terms, carry inventory, or have a slow season you have to survive every year
- You want to build your cash flow from scratch, with a spreadsheet and a filled-in example to copy
It's not for you if
- You need to separate personal money from business money and set your owner's pay. Start with The Owner's Finances Handbook
- You want to figure out what to charge for your services. That's The Service Pricing Handbook
- You need to restructure debt or take out a major loan. This handbook is about day-to-day cash
- You want someone else to watch the numbers for you. This is for owners who want to read their own
Frequently asked questions
Will this work for my kind of business?
If money comes in and goes out, yes. The example is a uniform maker, but every tool shows how it applies to services, retail, manufacturing and distribution, and independent professionals. You swap in your own numbers.
Do I need to know accounting?
No. It's written for owners, from beginner to intermediate. Terms like accrual basis and contribution margin are explained in plain English, and the spreadsheet does the math. You type into the input cells and the rest updates on its own.
I already have an accountant. Why do I need this?
Your accountant tells you what happened. This handbook helps you see what's coming and decide this week. It doesn't replace your accountant, and the Template kit even includes the questions to ask them about your P&L.
I already use a spreadsheet or bookkeeping software. Do I have to switch?
No. The tools are methods first: a chart of accounts, weekly reconciliation, a 13-week forecast, the bridge from profit to cash. You can run them wherever your numbers live. The included spreadsheet just saves you from building it yourself.
How much time does this take?
About 2 hours and 24 minutes of reading, or 6 minutes per tool, plus the exercises. Once it's set up, the routine is a 5-minute daily log, 15 minutes every Monday, and a one-hour close on the first business day of each month.
What do I get, and in what formats?
Each handbook is a PDF of about 100 pages with 24 to 27 tools. Every tool has step-by-step instructions and a worked example. You also get the handbook's spreadsheet in Excel (.xlsx), which opens in Google Sheets too, with the example already filled in. The message, policy, and clause templates are in the Template Kit inside the PDF, ready to copy and adapt. Read it in the member area or download the files.
How do I know if it fits my business?
Each handbook's page shows the problem it solves, who it is for and who it is not for, the full table of contents, sample pages, and the company used in the examples. The examples come from small businesses in several industries, with illustrative numbers. If it is not a fit, you can ask for a full refund within 14 days of your purchase, as described in the Refund Policy.
What is the difference between a handbook, an area set, and the Series?
A handbook solves one problem. An area set brings together every handbook and spreadsheet in one of the 6 areas, for less than the price of 5 single handbooks. The Consylion Handbook Series brings together all 100 handbooks and 100 spreadsheets, for less than the price of 8 single handbooks, and includes the next handbooks in the Series. Products outside the Series, from Consylion Life or Consylion Business, have their own price. They are sold separately and are not part of an area set or the Series.
Do I need to read everything before I start?
No. Each tool works on its own. Open the table of contents, pick the tool for today's problem, and start there. You can also read it cover to cover.
Do I need to know Excel?
The basics are enough: open the file and fill in the marked fields. The formulas are already built, and the handbook's example is filled in for reference.
How do I pay, and when do I get access?
By card or bank transfer, as a one-time payment with no subscription. Once your payment is confirmed, you get access to the member area by email. Approved card payments are confirmed right away. Bank transfers are confirmed when the funds clear. If access does not arrive within 24 hours of confirmation, check your spam folder and write to team@consylion.org.
How long do I have access, and how can I use the files?
Access does not expire, and you can download the files for offline use. The license is individual. You may read the handbooks, print them for your own use, and fill in and adapt the spreadsheet and templates with your company's data. If you are a consultant, accountant, or manager, you may apply the tools with your clients and deliver the result of your work, not the files. You may not share, resell, or distribute the files or the access.
How do support and refunds work?
Support is by email at team@consylion.org, on business days, with a reply within 5 business days. It covers questions about access, files, and payment. It does not include consulting or advice on applying the material to your case. You can cancel within 14 days of your purchase, without giving a reason, and get the full amount back through the payment method you used. Send the request to the same email. The details are in the Refund Policy.
CONSYLION HANDBOOK SERIES
The 6 departments of your business, for less than the price of 8 single handbooks.
This handbook solves today's problem. The Series solves the next one, and the one after that, with nothing more to pay.
- 100 handbooks with 2,403 ready-made tools, to read on screen and download as PDFs
- 100 spreadsheets for Excel and Google Sheets
- 6 business areas
- Lifetime access, unlocked once payment is confirmed
One-time payment of $197.00. The order form shows the final amount, with any taxes for your country, before you pay.
Digital delivery: PDF handbook, spreadsheet and access on the Consylion platform.
14-day money-back guarantee: if it isn't what you expected, request a full refund within 14 days of purchase.
Your order is processed by Digistore24, our authorized reseller. By purchasing, you accept the terms of use and purchase · refund policy.
Finance · Nº 08
Stop running your business off the bank balance
The bank balance tells you what already happened. This handbook gives you the tools, the spreadsheet, and a worked example to see what's coming, week by week, so the next tight spot shows up on your screen weeks ahead instead of on payroll day.
See all 100 handbooks · $197.00
One-time payment of $29.00. The order form shows the final amount, with any taxes for your country, before you pay.
Digital delivery: PDF handbook, spreadsheet and access on the Consylion platform.
14-day money-back guarantee: if it isn't what you expected, request a full refund within 14 days of purchase.
Your order is processed by Digistore24, our authorized reseller. By purchasing, you accept the terms of use and purchase · refund policy.