Small Business Finance OS
The spreadsheet that shows you cash, margin and runway every Monday morning.
A complete finance system for a one-owner business: 12-month cash flow, pricing and margin calculator, inventory with reorder alerts, invoice tracker with overdue status, expense log and a dashboard that reads all of it. Ships with a fully worked example business so you see it running before you type a number.
What's inside
Start Here & Settings
Business name, currency, opening cash, expense categories, payment terms and fee rates. Every other sheet reads from here, so you set things once.
Cash Flow 12M
Three revenue streams, twelve expense categories, net movement, closing balance and runway. Negative months turn red on their own.
Pricing & Margin
Material, labour, packaging, overhead %, payment fee %, target margin % in; price, margin and break-even out. Compare ten products side by side.
Inventory, Invoices, Expenses
Operational sheets with pre-formatted blank rows, dropdowns and conditional formatting. Example rows are marked so you can delete them in one go.
Dashboard
Cash today, revenue and expenses this month, net profit, receivables, overdue count, inventory value and runway, plus revenue-vs-expense and cash-balance charts.
Questions
Does it work in Google Sheets?
Yes. Upload the .xlsx to Google Drive and open with Sheets; formulas, dropdowns and conditional formatting carry over.
Do I need Excel skills?
No. Blue cells are inputs, black cells are formulas. The Start Here sheet walks you through setup in ten steps.
Can I use it for more than one business?
The licence covers one business; your team and your accountant may open it. Buy a second copy for a second business.
Get the weekly cash review worksheet
The one-page ritual from the Playbook, free, downloadable right after you join. I will also write occasionally about the weekly cash review, at most once a week. Unsubscribe any time.