What you get every month
This is a Clarity plan package for an illustrative company, Ridgeline Heating and Air. It is a composite, not a client, and every number is an example. The format is real: written CFO notes, a one-page KPI report, a 13-week cash forecast, and condensed statements, delivered on a fixed date each month.
Illustrative composite. Ridgeline Heating and Air is not a client. Figures are examples, not results.
CFO notes, August 2026
What changed
- Best install month of the year: revenue $412,000 against a $385,000 budget, on a hot August and 31 replacement jobs.
- Gross margin 44.2 percent, up 2.4 points from July. Two reasons: a better install mix and the labor burden rate fix we made in July (bids now carry $41.20 per hour, not $27.50).
- Overhead $128,000, up $9,000 on the two new technicians and the second truck lease.
- Cash $212,000 at month end, which looks comfortable and is not. See the forecast.
Why it matters
- The 13-week forecast shows the seasonal drop plus the planned truck purchase in week 8 pushing cash below the $90,000 floor in week 9 and negative in week 11. That is without any action. It is fixable in September, not in November.
- Accounts receivable is 38 days. Three install invoices over 45 days total $68,400.
What we do next
- Truck: defer the $58,000 purchase to January or lease it. Owner decision by September 12.
- Line of credit: draw $75,000 in week 9. We prepare the bank package this month.
- Collections: Maria calls the three overdue install customers by September 10.
- Marketing: pause direct mail (3.1x return), keep paid search (8.6x return).
- Maintenance agreements: 42 net new in August, on pace. Renewal push in October.
With the three cash actions, the lowest week in the forecast is week 13 at $117,400, above the floor.
Illustrative composite. Ridgeline Heating and Air is not a client. Figures are examples, not results.
One-page KPI report, August 2026
| Metric | August | July | Budget or target | Note |
|---|---|---|---|---|
| Revenue | $412,000 | $368,000 | $385,000 | Install season peak |
| Gross margin | 44.2% | 41.8% | 42.0% | Burden fix plus install mix |
| Net margin (month) | 12.4% | 9.6% | 9.0% | |
| Net margin (year to date) | 7.4% | 6.7% | 8.0% | Behind budget, closing |
| Cash on hand | 2.3 weeks | 2.6 weeks | 1.0 week floor ($90,000) | See forecast |
| Accounts receivable days | 38 | 35 | 30 | $68,400 over 45 days |
| Backlog (booked installs) | $610,000 | $655,000 | Seasonal decline expected | |
| Blended labor burden rate | $41.20/hr | $41.20/hr | Wage $27.50/hr | |
| Overhead as % of revenue | 31.1% | 32.3% | 30.0% | Two new techs, truck lease |
| Active maintenance agreements | 1,140 | 1,098 | 1,200 by December | +42 net |
| Job type | Revenue | Share | Gross margin |
|---|---|---|---|
| Residential service | $148,000 | 36% | 58% |
| Installs and replacements | $196,000 | 48% | 34% |
| Maintenance agreements | $31,000 | 8% | 62% |
| Commercial | $37,000 | 9% | 28% |
| Channel | Spend | Booked revenue | Return |
|---|---|---|---|
| Paid search | $9,800 | $84,000 | 8.6x |
| Direct mail | $6,200 | $19,000 | 3.1x |
| Referrals | $0 | $71,000 |
Illustrative composite. Ridgeline Heating and Air is not a client. Figures are examples, not results.
13-week cash forecast, weeks of September 7 to November 30, 2026
Opening cash September 7: $212,000. Floor: $90,000. Base case, no actions taken.
| Week | Week of | Receipts | Disbursements | Ending cash | Note |
|---|---|---|---|---|---|
| 1 | Sep 7 | 96,000 | 132,000 | 176,000 | payroll, rent, loan |
| 2 | Sep 14 | 88,000 | 62,000 | 202,000 | owner draw |
| 3 | Sep 21 | 92,000 | 118,000 | 176,000 | payroll |
| 4 | Sep 28 | 84,000 | 52,000 | 208,000 | |
| 5 | Oct 5 | 79,000 | 135,000 | 152,000 | payroll, rent, loan |
| 6 | Oct 12 | 74,000 | 86,000 | 140,000 | insurance renewal $24,000, owner draw |
| 7 | Oct 19 | 71,000 | 116,000 | 95,000 | payroll |
| 8 | Oct 26 | 66,000 | 104,000 | 57,000 | truck purchase $58,000. Below floor |
| 9 | Nov 2 | 64,000 | 118,000 | 3,000 | payroll, rent, loan. Below floor |
| 10 | Nov 9 | 61,000 | 50,000 | 14,000 | owner draw. Below floor |
| 11 | Nov 16 | 60,000 | 108,000 | (34,000) | payroll. Negative |
| 12 | Nov 23 | 56,000 | 44,000 | (22,000) | Negative |
| 13 | Nov 30 | 58,000 | 120,000 | (84,000) | payroll, rent, loan. Negative |
Receipts by source, 13-week totals: residential service $412,000; installs $391,000; maintenance agreements $101,000; commercial $45,000. Disbursements by category: payroll and employer costs $546,000 (biweekly, weeks 1, 3, 5, 7, 9, 11, 13); materials $402,000; subcontractors $38,000; rent $38,000; vehicle loans $24,800; insurance renewal $24,000 (week 6); truck purchase $58,000 (week 8); owner draws $36,000; other $78,200.
With the three actions (truck deferred out of week 8, a $75,000 line draw in week 9, and $68,400 collected in week 10): week 8 $115,000; week 9 $136,000; week 10 $215,400; week 11 $167,400; week 12 $179,400; week 13 $117,400. Lowest week: 13, above the floor.
Illustrative composite. Ridgeline Heating and Air is not a client. Figures are examples, not results.
Financial statements, condensed
| Line | August | % | Year to date | % |
|---|---|---|---|---|
| Revenue | 412,000 | 100.0 | 2,790,000 | 100.0 |
| Labor with burden | 118,000 | 738,000 | ||
| Materials | 84,000 | 612,000 | ||
| Subcontractors | 16,000 | 168,000 | ||
| Equipment | 12,000 | 100,000 | ||
| Cost of sales | 230,000 | 55.8 | 1,618,000 | 58.0 |
| Gross profit | 182,000 | 44.2 | 1,172,000 | 42.0 |
| Office wages | 41,000 | 316,000 | ||
| Rent | 9,500 | 76,000 | ||
| Marketing | 16,000 | 118,000 | ||
| Insurance | 8,600 | 68,800 | ||
| Vehicles | 14,200 | 98,000 | ||
| Software and admin | 9,700 | 74,000 | ||
| Depreciation | 11,000 | 88,000 | ||
| Other overhead | 18,000 | 103,200 | ||
| Overhead | 128,000 | 31.1 | 942,000 | 33.8 |
| Operating income | 54,000 | 13.1 | 230,000 | 8.2 |
| Interest | 3,100 | 24,000 | ||
| Net income | 50,900 | 12.4 | 206,000 | 7.4 |
| Line | Amount |
|---|---|
| Cash | 212,000 |
| Accounts receivable | 402,000 |
| Inventory | 61,000 |
| Vehicles and equipment, net | 486,000 |
| Total assets | 1,161,000 |
| Accounts payable | 168,000 |
| Line of credit (available $250,000) | 0 |
| Accrued payroll | 39,000 |
| Customer deposits | 84,000 |
| Vehicle loans | 268,000 |
| Total liabilities | 559,000 |
| Equity | 602,000 |
Illustrative composite. Ridgeline Heating and Air is not a client. Figures are examples, not results.
This is the Clarity plan, every month.
The forecast goes live in your second month. The KPI page is built for your industry. The notes are written, not spoken. Compare the plans, or ask for a discovery call.
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