Cash Flow Catalyst

Stop managing your business from the bank app.

A 90-day sprint for service business owners who are profitable on paper — and still checking their balance every morning.

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90 daysStructured sprint
13-week forecastBuilt on your real numbers
4 phasesDiagnose → Prioritize → Implement → Measure

You're not bad with money. You just don't have a system yet.

The Real Problem

Your P&L says you're doing fine. So why does payday feel like a coin flip?

  • A good revenue month comes in — and the cash still isn't there when payroll hits.
  • You don't actually know what's coming in versus what's going out until it happens.
  • Owner draws feel like a guess, every single month.
  • You're carrying debt and you're not sure if it's a tool or a slow leak.
  • You have no real reserve — or no idea what the right number even is.
  • You're running cash on gut instinct, and it's exhausting.
If any of that sounds familiar: you're not bad at this. You're managing cash the way most owners do — by watching the bank balance and reacting. That works right up until it doesn't. Cash Flow Catalyst is the 90-day sprint that replaces the guessing with a system.

The Promise

Right now

You're watching the bank balance and reacting — hoping revenue clears in time, guessing at draws, no real reserve, running cash on gut instinct.

In 90 days

A working 13-week rolling cash forecast and a real plan for draws, collections, and reserves — so you stop managing the business from the bank app. Not a report you skim once and forget. A forecast you'll actually open every week.

Who This Is For

Built for owners who are profitable on paper — and still stressed about cash.

This is a fit if:

  • You run a service-based business doing $200K–$3M a year
  • Revenue is coming in, but cash still feels tight and unpredictable
  • You're taking owner draws but you're not sure the amount is sustainable
  • You're carrying debt that adds ongoing cash pressure
  • You want a forward-looking cash picture, not last month's report
  • You can give this a few focused hours a week for 12 weeks

This isn't the right fit if:

  • Your business is brand new with no financial history to work from
  • You want advice but you're not ready to act on it
  • What you actually need is bookkeeping, AP/AR, or payroll help — that's task work, this is advisory work

If your books aren't current, that's not a dealbreaker — it's just a different starting point.

How It Works

Four phases, 90 days.

This isn't a one-time report. It's a structured process that takes you from cash confusion to a working system you keep using long after we're done.

1

Diagnose

We find out exactly where the pressure is coming from.

  • Kickoff call to understand your business and cash patterns
  • Full financial and operations questionnaire
  • Review of 3–12 months of bank activity, financials, and payment history
  • A deep look at timing, expenses, draws, debt, and collections
  • Your top 3–5 cash pressure points, named specifically
2

Prioritize

We turn what we found into a plan you can actually run.

  • Rank the issues creating the most pressure
  • Separate quick wins from longer-term fixes
  • Estimate the real cash impact of each one
  • Hand you a ranked action list and a 90-day roadmap
3

Implement

We build the system — I guide, you stay in the driver's seat.

  • Build your 13-week rolling cash forecast
  • Tighten payment terms and collection habits
  • Set owner draw guidelines based on your real numbers
  • Put a debt strategy in place that reduces the pressure
  • Set a cash reserve target and a plan to reach it
  • Install the KPIs that keep you honest going forward
4

Measure

We prove it worked.

  • Compare where you started to where you are now
  • Review what changed and what still needs attention
  • Document your wins and your clear next steps
  • Option to roll into ongoing advisory to keep the momentum
What You Walk Away With

Six deliverables, built entirely on your numbers.

Nothing templated.

1

Cash Flow Pressure Assessment

A plain-language breakdown of exactly where your pressure is coming from: timing gaps, draw load, debt, expenses, collections.

2

13-Week Rolling Cash Forecast

A real, forward-looking projection. You'll know what's coming in and going out before it happens, not after.

3

Cash Timing & Collections Review

Where your payment terms and invoicing habits are costing you cash, and specifically what to change.

4

Owner Draw & Debt Pressure Review

An honest read on whether your draws and debt payments are sustainable, and what to adjust if they're not.

5

Working Capital Improvement Plan

Prioritized moves to free up cash: collections, terms, timing, expense sequencing.

6

Cash Reserve Target Plan

A real number based on your actual business, and a step-by-step path to hit it.

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By Day 90

Here's what changes.

A clear answer for why cash feels tight — and what's actually causing it
A 13-week forecast you use every week, not once
Owner draw guidelines grounded in real numbers
A debt and expense strategy that eases the pressure instead of ignoring it
Faster collections and tighter terms putting cash in your account sooner
A reserve target and a realistic way to get there
The ability to make a financial decision without the pit-in-your-stomach feeling

Not a report you skim once and forget. A system you keep using long after the 90 days end.

What People Ask Before They Start

Common questions

Is this worth the investment?

If this sprint gets you one invoice collected faster, one expense cut, or a draw set at a number that stops you from overdrawing — it often pays for itself in weeks. But the bigger value is the system itself: something you use for years, not a PDF that sits in your inbox.

I'm not sophisticated with finances — will I actually understand this?

That's exactly who this is built for. I don't talk in accounting jargon and I don't assume a finance background. My job is translating your numbers into something you can act on. If you can run your business, you can run this.

I don't have time right now.

The businesses too busy to look at cash flow are usually the ones closest to a real cash problem. This is spread across 90 days on purpose — a few focused hours a week, not a second job. Most owners find it gives back more time than it takes, once the guessing stops.

My books are a mess. Does that disqualify me?

No — but we'll want them cleaned up first so we're building on real numbers, not guesses. That can be arranged as a separate step before the sprint starts. Messy books are common; we just don't build a forecast on top of numbers we can't trust.

How is this different from just hiring a bookkeeper?

A bookkeeper records what already happened. This sprint is about what's coming — why cash feels tight right now, and building the system that fixes it. It's forward-looking advisory work, not transaction recording.

20 yearsworking with small businesses as a banker, bookkeeper, and CFO advisor
About Your Advisor

You're getting help from an experienced advisor.

Before owning Teal Business Solutions, the founder spent many years on the other side of the loan desk, reviewing financials for small business owners across Montgomery County and North Houston. She checked one number before ever looking at revenue or profit: how long a business could survive if income stopped tomorrow. That number told her more than anything else in the file.

I built Teal Business Solutions because I kept seeing the same thing from that side of the desk — smart, hardworking owners running businesses that looked fine on paper and felt stressed every single month, because nobody had ever sat down and shown them what their numbers actually meant.

I'm direct, and I keep it plain. I'm here to make your cash flow make sense — and hand you something you'll still be using long after our 90 days are up.

Ready to stop the cash surprises?

Spots limited each month.

Investment: $3,200 paid in full — or $1,200/month for 3 months.

Start the Conversation →Not Ready, but keep me on the list

This sprint covers advisory analysis and strategic guidance. It does not include bookkeeping cleanup, AP/AR processing, or payroll administration. If your books need cleanup before we begin, that's arranged separately — never a reason to wait to reach out. Client time commitment: a few focused hours a week over the 12-week engagement.