The 6-Month Cash Flow Forecaster

50% of contractors who filed bankruptcy were profitable.

Read that again.

They didn't lose money on projects. They didn't get sued. They didn't fail inspections. They ran out of cash while sitting on profitable jobs.

The paradox that destroys contractors:

• You buy materials TODAY
• You pay labor THIS WEEK
• You get paid in 60-120 DAYS

That gap kills businesses. Not bad work. Not bad luck. Bad timing.

The Numbers That Should Terrify You

$280 billion — Annual losses from payment delays in construction

82% of contractors wait 30+ days for payment despite contract terms

65% of construction companies experience payment delays (European Commission)

40% of construction businesses fail within 5 years—most from cash flow, not quality

Real Bankruptcies from Cash Flow:

• Carillion PLC (UK): £29M cash, £1.5B debt, 43,000 employees—bankrupt with profitable projects
• Zachry Group: #28 on ENR Top 400, $5.4B revenue—Chapter 11 from payment timing
• Welded Construction: $23.5M unpaid invoices triggered complete collapse
• Peoples Electric: Nearly 100 years in business, $7.6M assets—only $643K was cash (8.5%)

The pattern is always the same: Profitable on paper. Bankrupt in reality.

What's Inside

PART ONE: The Psychology of Cash Flow

• Why profitable contractors go bankrupt (the timing trap explained)
• The "busy but broke" phenomenon
• Cognitive biases around money (optimism, mental accounting, present bias)
• How delayed payments cascade into business failure

PART TWO: The $280 Billion Crisis

• Industry payment data you need to know
• Real bankruptcy case studies (with numbers)
• The domino effect: how one late payment kills businesses
• Scale-specific vulnerabilities (solo to mid-size)

PART THREE: Legal Frameworks That Protect You

• Mechanics liens 101 (your most powerful tool)
• Prompt payment laws by state
• Payment bonds and stop work rights
• The Notice of Intent to Lien (nuclear option)
• State-specific requirements and deadlines

PART FOUR: The 13-Week Forecasting System

• Why 13 weeks and why weekly (the corporate restructuring origin)
• Building your first forecast (step-by-step)
• Project-level cash flow tracking
• Working capital requirements by scale
• Early warning system setup

PART FIVE: Collection Psychology and Systems

• The behavioral science of getting paid
• Automated collection workflows
• Scripts for uncomfortable conversations
• When to escalate and when to walk away
• The psychology of late payers

PART SIX: Implementation

• 30-day implementation roadmap
• Technology stack by business size
• Team training on cash flow discipline
• Weekly review process
• KPIs and tracking systems

The 13-Week Forecast: Your Bankruptcy Prevention System

What it shows you:

• Current cash position (money in bank NOW)
• Cash coming in next 13 weeks (payments scheduled)
• Cash going out next 13 weeks (expenses committed)

What it prevents:

• Surprise cash crunches (see them 8 weeks before they happen)
• Desperate decisions (no more chasing bad jobs for cash)
• Payroll panic (know if you can make payroll in Week 9)

Research shows:

• 76% reduction in cash crunches for companies using rolling forecasts
• 64% better at identifying opportunities
• 30% faster crisis response vs. monthly forecasting

What This System Delivers

Within 30 Days:

• First 13-week forecast built and running
• Collection system automated
• Cash position clarity (finally know your real numbers)

Within 90 Days:

• Cash crunches visible weeks before they arrive
• Payment speed improved 50-70%
• Working capital buffer building

Within 12 Months:

• Bankruptcy risk eliminated
• Seasonal cash flow managed systematically
• Growth decisions based on data, not hope

Who This Is For

This system works for:

• Any contractor who's ever been "profitable but broke"
• Businesses doing $150K-$10M annually
• Contractors tired of cash flow stress
• Anyone who's ever worried about making payroll

This is NOT for:

• Contractors who won't look at their numbers
• People who think "it'll work out somehow"
• Anyone unwilling to have uncomfortable collection conversations

The Investment

$247(Value!) — Less than one week of interest on emergency credit line draws you won't need.

What you get:

• Complete 40,000+ word guide (PDF)
• 25 chapters covering psychology to implementation
• 13-week forecast template (Excel/Google Sheets)
• Collection scripts (email and phone)
• Mechanics lien guide by state
• Payment milestone calculator
• 30-day implementation roadmap

Guarantee

Implement the 13-week forecast for 90 days. If you don't prevent at least one cash crunch or collect at least $247 faster than you would have otherwise, email me for a full refund.

Ready to Stop the "Profitable but Broke" Cycle?