You've Spent Years Chasing Revenue.
You've Never Once Mastered Your Cash Flow.
On October 29th, four financial diagnostics. If you can't run all four in under three minutes, every growth decision you're making is flying blind, and no sales boost, emergency credit line, or factoring invoice is going to fix a structural working-capital leak.
Cash flow first. Profit that actually stays in the bank.
Session Length
60 Minutes Sharp
Host
Paul · Cash Flow Lead
Attendee Asset
Free Diagnostic Kit
Presented by Paul · Advised $120M+ in cumulative SMB cash flow turnarounds · Architect of the 13-Week Operating Model · Built for businesses doing $250k to $15M.
Get the 4 Cash Flow Tests : Save My Seat
Limited to 250 active participants for live Q&A.
Who's Host
Paul, Founder & Fractional Cash Flow Strategist
Paul Whitley
Fractional CFO & Cash Flow Architect
Profitable and Broke
What Your Cash Flow Reveals About Your Leadership
- #1 Amazon Best-Selling Author: Solving the cash trap was so urgent for founders that Paul literally wrote the book on it: Profitable and Broke. Because watching a business show healthy paper profits while the owner sweats over payroll isn't just bad luck, it's a silent epidemic.
- Helped steer over $120 million in cumulative SMB working capital through inflation shocks, rapid hiring sprints, and revenue dips.
- Developed the 13-Week Cash Flow Rolling Matrix, now deployed across home service operators, professional practices, manufacturing, and agencies.
- Former advisor to high-growth founder networks: "Revenue is vanity, profit is sanity, but cash in the bank is the only oxygen your company breathes."
- No vague financial jargon, no 50-page complex accounting spreadsheets you'll never open. Strict operating cadences that work in 15 minutes each Monday.
"Here's the brutal reality most business owners discover too late: A company doesn't go bankrupt because it ran out of revenue or good ideas. It dies because its cash cycle was 14 days slower than its payroll obligations.
The Fortune 500 has entire treasury departments managing liquidity daily. You don't need a Wall Street staff, you just need the four operating questions that prevent payroll panic once and for all."
"You generate the revenue. We engineer the cash engine."
The Core Cash Flow Diagnostic
Before you decide whether this is worth an hour, try answering these four questions.
Out loud. Right now. Time yourself.
What is your exact Cash Conversion Cycle in calendar days?
Not your billing terms. The actual days between when a dollar leaves your account to buy materials or pay employee labor, and when that exact dollar returns with profit. If it's over 30 days, your growth is actually burning your cash reserves.
If zero new sales came in next month, how many days until payroll breaks?
Most owners look at a bank balance of $120k and feel safe — without accounting for upcoming quarterly taxes, unbilled labor, and aged payables. You need your true "True Survival Runway" number, not an emotional hunch.
Which 20% of your current clients or jobs are quietly subsidizing the other 80%?
Gross revenue creates the illusion that every project is profitable. But once overhead allocation and scope creep are factored in, one in four contracts is actively stealing cash from your healthy margins.
When an invoice becomes 15 days overdue, what is the automated escalation rule?
Not what you hope happens. What actually happens on a frantic Tuesday morning? If the owner or office manager has to awkwardly email manually, you have an accounts receivable leak worth tens of thousands.
Four questions. If two or three made you pause or hesitate, that isn't a bookkeeping failure and it isn't personal discipline. It means nobody ever installed an operating cash system. On October 29th, Paul walks through all four with live templates you take with you.
The Dangerous Myth
The most expensive lie in small business:
"If we just increase top-line sales, cash flow will take care of itself."
Here is how the cash trap springs on great founders, and it happens every single day:
You close three big deals. Revenue is up 40%. You celebrate, you hire two more technicians or project managers, you order inventory, you upgrade software licenses.
Then 45 days pass. The clients haven't paid yet. The payroll runs on the 1st and the 15th without fail. Suddenly you are looking at an empty operating account while waiting on $180,000 in receivables. You end up drawing on a high-interest line of credit or delaying vendor invoices.
Growing revenue with broken cash mechanics doesn't make you richer — it accelerates your cash burn.
A bank loan cannot fix poor terms. A marketing agency cannot fix delayed invoicing. Only a cash flow cadence fixes cash flow, and that's an operating decision, not an accounting chore.
"Revenue is the promise. Cash collected is the reality."
Tangible Deliverables
One tool on this list is the reason to show up.
The rest guarantee you keep more profit this year.
The 13-Week Cash Flow Rolling Matrix (Plug-and-Play)
The exact financial dashboard Paul installs in 7-figure private turnarounds.
Forget waiting 25 days after month-end for your accountant's backward-looking P&L. The 13-Week Rolling Matrix looks forward. It tells you exactly how much cash will sit in your operating account on any given Friday for the next 90 days, factoring in known receivables, recurring payroll, and tax cushions.
You leave with: The complete editable model (Google Sheets & Excel), ready for your numbers.
The AR Friction-Free Collection Sequence
The 3-stage email and SMS sequence that gets 87% of overdue invoices paid in under 72 hours, without burning client goodwill or sounding desperate. We break down the psychology of how corporate accounts payable teams prioritize checks.
You leave with: The word-for-word copy-paste scripts and timing triggers.
The Gross Margin Leak Calculator
A rapid 5-minute calculator to audit your top 10 service contracts or product lines. Instantly flags scope creep, unbilled hours, and unrecovered merchant fee drag so you can reset terms before your next renewal.
You leave with: The calculator + threshold benchmarks for your specific industry.
All three are yours for showing up.
Not locked behind a consulting pitch. Not given out after a 30-day trial. You get the download links during the live broadcast.
Curriculum Breakdown
What else the 60-minute session covers:
Why your P&L statement lies to you every month : why standard accrual accounting often shows healthy net income right when your checking account is in the danger zone.
The 3 Operating Accounts model : how separating payroll, tax reserves, and working capital protects you from inadvertent overspending.
How to negotiate 45-day vendor terms even if you're small : the exact leverage small operators use to get suppliers to float their working capital interest-free.
The 'Scope Creep' audit rule : the single contractual sentence that prevents clients from extracting 20% extra free labor on fixed-bid jobs.
How to safely build a 90-day cash reserve buffer : without suffocating growth initiatives or withholding key compensation.
Early warning signals of client insolvency : five red flags that a customer is about to default on an invoice before their check bounces.
The Weekly 15-Minute Monday Cash Rhythm : the 3 numbers every owner should check before approving any expense over $500.
When to take on debt vs when to cut overhead : how to objectively evaluate a line of credit without trapping your company in high-interest debt cycles.
Target Audience
Built specifically for business owners who carry payroll:
The Growing Contractor
Trades & Construction · 5–35 staff
You have materials to buy upfront and big milestone billings. When retainage or client checks drag, cash gets dangerously tight.
The Practice Owner
Medical, Dental & Legal · $1M–$5M
Heavy fixed overhead, provider salaries, and insurance reimbursement lag. You need certainty around quarterly distributions.
The Advisory & Agency Lead
Consulting & Marketing · 5–20 staff
Payroll is your biggest expense. You need to stop fluctuating between boom months and feast-or-famine dry spells.
B2B & Distribution Operator
Suppliers & Manufacturing · 10–50 staff
Inventory ties up precious liquidity. You need strict terms with both buyers and vendors to keep working capital humming.
Please do not register if:
- You're looking for speculative day-trading, crypto schemes, or tax evasion loopholes. We focus strictly on operational business cash mechanics.
- You don't yet have active customers or real revenue. This is engineered for operating entities managing ongoing cash flow.
- You are unwilling to look honestly at your actual numbers. The diagnostic works only when you face reality.
Transparency
Three fair questions, answered upfront.
"Is this a 60-minute disguised sales pitch?"
No. The first 50 minutes are 100% tactical instruction, live demonstrations of the cash flow rolling model, and attendee diagnostic exercises. In the final 10 minutes, Paul will present options for companies that want hands-on fractional CFO implementation. If that's not for you, you still walk away with every single spreadsheet, script, and framework completely free.
"Why is Paul offering this training for free?"
Because high-performing business owners don't hire advisors based on sales rhetoric; they hire advisors based on visible competence. Demonstrating exactly how we solve working capital traps is the best way to earn future partnerships.
"Will there be a recording or replay available?"
Yes, a private replay will be available for 48 hours to registered attendees only. However, live attendees get to submit their business numbers for real-time stress testing during the open Q&A.
Thursday, October 29, 2026
4:00 PM CT · 2:00 PM PT · 3:00 PM MT · 5:00 PM ET
One Hour. Live Broadcast. Completely Free.
You leave with, at minimum:
- 1.The 13-Week Cash Flow Rolling Matrix (Editable Sheet)
- 2.The AR Friction-Free Collection Sequence Scripts
- 3.The Gross Margin Leak Calculator
- 4.The Weekly 15-Minute Monday Executive Cash Rhythm
Save Your Seat Now
Direct calendar invite dispatched immediately upon confirmation.